Businesses scaling internationally or building recurring revenue models face a persistent challenge: fragmented payment infrastructure that increases costs and complexity. By combining forces, Mollie and GoCardless will give businesses access to an unmatched suite of tools from a single partner, designed to solve these problems and fuel growth:

• A scalable partner for every merchant: from ambitious SMEs to large enterprises, the new platform provides a single, scalable partner. Large businesses can choose to consolidate their European payment stack, while SMEs gain access to powerful, enterprise-grade tools without the complexity
• Recurring revenue management: directly addresses the core challenge of involuntary churn by enabling businesses to offer reliable bank payments alongside cards. This significantly reduces payment failures, lowers transaction costs, and improves cash flow for subscription models
• A growth engine for SaaS platforms: SaaS platforms and vertical software vendors using Mollie Connect can choose to integrate GoCardless's bank payment network directly into their products, enabling their customers to accept both card and bank payments through a single embedded solution
• Hyperlocal: local onboarding and integrations with local business software, reporting formats, and local payment methods (e.g. iDEAL in the Netherlands, Satispay in Italy, and Twint in Switzerland)
• Frictionless global expansion: a simplified pathway to enter and scale in new international markets
• An integrated offering: access to a full suite of services, including Mollie Capital for financing, advanced fraud monitoring, and powerful analytics

Koen Köppen, CEO of Mollie: "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 optimise 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."

Hiroki Takeuchi, Co-Founder and CEO of GoCardless: "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.”

The transaction is subject to customary closing conditions, including regulatory approvals, and is expected to be finalised by mid 2026.

For more startup news, check out the other articles on the website, and subscribe to the magazine for free. Listen to The Cereal Entrepreneur podcast for more interviews with entrepreneurs and big-hitters in the startup ecosystem.