Mollie has signed an agreement to acquire bank payment company GoCardless in a deal aimed at creating what the companies describe as Europe’s most complete payment platform, combining card payments, local payment methods, and bank payments under a single provider.
The proposed transaction would bring together two European fintech businesses with complementary strengths. Mollie, headquartered in Amsterdam, has built a broad payments and money management platform for merchants operating across Europe and the United Kingdom. London-based GoCardless has focused on bank payments, particularly for recurring revenue models, using a network that enables businesses to collect payments directly from customer bank accounts in multiple markets.
If completed, the combined company would serve more than 350,000 businesses, according to the announcement, expanding Mollie’s reach beyond card-centric payments and deepening its ability to support subscription, invoicing, and other recurring payment use cases where payment failures and associated churn can meaningfully impact revenue.
The companies said the combination is designed to address a common pain point for merchants scaling internationally: fragmented payment infrastructure that can require multiple providers, separate integrations, and market-specific workflows. Mollie and GoCardless intend to offer a broader set of tools through a single platform, enabling businesses to accept a mix of cards, bank payments, and local methods while reducing operational complexity.
The announcement also outlines a focus on supporting a range of customers, from small and midsize businesses to larger enterprises seeking to consolidate European payments. It highlights recurring revenue management as a key benefit, positioning bank payments as a way to reduce transaction costs and lower payment failures that can lead to involuntary churn. For SaaS platforms and vertical software vendors using Mollie Connect, the companies said the deal would enable them to embed GoCardless bank payments into their offerings, so end customers can accept both card and bank payments through a single integrated solution.
Local market coverage is also central to the strategy, with plans to continue offering hyperlocal onboarding and integrations with local business software, reporting formats, and popular local payment methods, including iDEAL in the Netherlands, Satispay in Italy, and Twint in Switzerland. The combined product suite is expected to include additional services already offered by Mollie, such as Mollie Capital for financing, as well as fraud monitoring and analytics.
Mollie and GoCardless said GoCardless products will be integrated into the Mollie platform in a phased approach, with an emphasis on maintaining service continuity and localized customer support. The transaction remains subject to customary closing conditions, including regulatory approvals, and is expected to be finalized in mid 2026.
KEY QUOTES:
“Mollie’s mission has always been to make money management effortless. We were founded on the vision to eliminate financial bureaucracy for every business. We see that bureaucracy creates challenges, especially for businesses with recurring revenue. A card-only approach has its limits, leading to high costs due to failed payments and customer churn. GoCardless built the definitive solution to optimize this process with its global bank payment network. By bringing them into Mollie, we take a huge step towards fulfilling our vision and creating one complete platform for sustainable growth.”
Koen Köppen, CEO of Mollie
“We’re incredibly excited to join forces with Mollie. This deal brings together two highly complementary businesses that have built best-in-class products across Europe and beyond. By combining our expertise in card, bank and hyperlocal payments into one provider, we can better serve our customers, accelerate growth and raise the bar for the industry. It’s a win for European fintech and we’re confident that the new company will be greater than the sum of its parts.”
Hiroki Takeuchi, Co-Founder And CEO of GoCardless
