Mollie Connect: Overview
Mollie Connect lets software platforms and marketplaces offer payment and money management capabilities to their merchants under their own brand. Your merchants can create accounts, access finance, get paid online or in-person and manage their money without leaving your product umbrella.
Mollie handles the regulated aspects: licensing, compliance, identity checks and risk. This lets you offer a wide range of services without becoming a payments institution and allows you to earn commission on the payment volume you process.
You can connect your merchants using OAuth, onboard them with Client Links, and let Mollie handle payment processing, regulatory compliance and settlement for you, while you focus on scaling your business.
Online and in-person payments are available across Europe. Business accounts and Mollie Capital are rolling out by market. Contact your partner manager to check current availability for your business location.
Mollie Connect capabilities
Mollie Connect covers the full payment lifecycle for multi-party businesses:
| Capability | Description |
|---|---|
| OAuth and app registration | Securely connect your merchants to your platform with standard delegated authorization. |
| Merchant onboarding | Verify and onboard merchants through Mollie's business verification (KYB) using Client Links and co-branded onboarding. |
| Payment processing | Accept online and in-person payments on behalf of connected merchants across all available payment methods. |
| Monetization | Earn revenue per transaction via application fees or resell pricing (Platforms). |
| Split payments and routing | Distribute funds across multiple sellers in a single checkout, with upfront or delayed routing (Marketplaces). |
| Balance transfers | Move settled funds between organizations within your Mollie ecosystem. |
| Reporting | Access transaction-level fee data, holding balance overviews and settlement reports. |
For the entities behind these capabilities and how money moves, see Core concepts.
Platform or Marketplace
Connect for Platforms
Connect for Platforms is for SaaS businesses where each merchant runs their own payment operation. Your merchants accept online and in-person payments under their own name and handle their own refunds and disputes, while you earn commission on every transaction (through application fees or resell pricing). Mollie verifies your merchants, manages risk and provides loss protection (in case a merchant can not cover those), so a merchant's failure is not yours to absorb.
Connect for Marketplaces
Connect for Marketplaces is for platforms that own the payment. You collect from the shopper once (online or in-person), hold the funds in a compliant balance, route them to your sellers and keep your commission as the portion you do not route. As the payment owner you manage refunds and disputes (with Mollie's risk management and loss protection backing you), and Mollie allows you to process transactions that would otherwise require your own license.
| Feature | Connect for Platforms | Connect for Marketplaces |
|---|---|---|
| Best for | SaaS platforms where each merchant runs their own payment operation | Platforms with multiple sellers per single checkout |
| Payment owner | Merchant | Your platform |
| First-line chargeback liability | Merchant | Your platform |
| Monetization | Application fees or resell pricing | Commission, by retaining a portion of funds you do not route |
| Multi-seller checkout | No (one merchant per checkout) | Yes |
| Fund routing | Single payout to the merchant | Funds routed to multiple sellers |
| Delayed routing | No | Yes, up to 90 days |
| In-person payments | Yes | Yes |
| Co-branded onboarding | Yes | Yes |
Additionally, ask yourself the following questions:
- Whose name should appear on the customer's bank statement?
- Who will handle support, refunds and disputes?
- Do your merchants need to accept payments from multiple sellers in one checkout?
If your merchants accept payments under their own business name and own the day-to-day disputes, choose Connect for Platforms.
If your platform owns the whole payment's lifecycle and distributes funds to sellers, choose Connect for Marketplaces.
Next steps
- Core concepts: account model, how money moves, OAuth authorization basics and more.
- Glossary: shared vocabulary used across these guides.
- Getting started: integrate Connect end-to-end.
Updated 4 days ago