Mollie Fee Calculator Germany
Calculate exact iDEAL (fixed €0.29), Bancontact (€0.39), EU cards (1.80%), and gross-up invoices in EUR.
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
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Client Invoice Message Generator (Germany) ▼
Frequently Asked Questions (Mollie Germany)
What are Mollie's standard transaction fees in Germany? ▼
In Germany, Mollie charges 1.80% + €0.25 for standard European credit cards, €0.25 flat for SEPA Direct Debit, and 2.99% + €0.25 for Klarna Pay Now.
Why is SEPA Direct Debit essential for German eCommerce? ▼
German consumers favor direct bank debit (Lastschrift). Mollie charges just €0.25 flat with 0% variable rate for SEPA Lastschrift, dramatically lowering transaction drag.
What happened to Giropay and Sofort on Mollie in Germany? ▼
With the phaseout of Giropay and Sofort branding, Mollie routes instant bank payments through Klarna Pay Now and SEPA Instant rails.
What are Mollie's non-European card rates for German businesses? ▼
International, commercial corporate, and non-EEA cards cost 2.90% + €0.25 per transaction.
When does Mollie pay out funds to German bank accounts? ▼
Payouts clear daily or weekly into German commercial accounts (Deutsche Bank, Commerzbank, Sparkasse, Volksbank) with zero payout fees.
How do you calculate a gross invoice for German credit card sales? ▼
To net €1,000 on an EEA card (1.80% + €0.25), use Gross = (1,000 + 0.25) / (1 - 0.0180) = €1,018.58.
What dispute resolution mechanisms does Mollie provide in Germany? ▼
Mollie provides an automated dispute portal to upload proof of delivery and delivery receipts to contest unjustified chargebacks.
Are Mollie fees deductible as Betriebsausgaben in Germany? ▼
Yes. All fees deducted are 100% tax-deductible operational business expenses under German income tax and corporate tax legislation.