Top payment solutions for Dutch businesses in 2025

Choosing payments infrastructure should be simple: Customers pay, and money appears in your account. Instead, you're comparing transaction fees, wrestling with currency conversions, and wondering whether your checkout process is costing you sales because it doesn't support the payment methods your customers want to use. Every payment solution claims to be the best for Dutch businesses, but they all emphasise different strengths, from varied local payment methods and international reach to superior developer tools and transparent pricing. It can be hard to cut through the marketing.

This guide breaks down the five payment solutions worth considering in 2025, what each one does best, and how to choose the right fit for your business needs and growth agenda.

Overview of the Dutch payment landscape in 2025

The Netherlands has built one of Europe's most distinctive payment cultures, where 98% of consumers use debit cards compared to just 37% who have credit cards¹, iDEAL handles 92% of e-commerce payments², and digital payments dominate.

Given iDEAL's popularity, understanding how to offer it effectively can make or break your local market success: check out our iDEAL guide for everything you need to know.

Physical debit cards are losing ground to digital wallets, with cards dropping from 60% to 48% of transactions by 2027^3, as the region records one of the highest adoption rates of Apple Pay worldwide.

Plus, Buy Now, Pay Later (BNPL) is surging as an alternative to credit cards. The BNPL market is expected to grow 14% in 2025, reaching $10.29 billion⁴. With Dutch consumers culturally averse to traditional credit, services like Klarna and Riverty offer payment flexibility without the debt association of credit cards.

The businesses that thrive prioritise payment solutions that support both current consumer habits and emerging trends.

What is an online payment solution?

An online payment solution is the invisible infrastructure that turns a customer's ‘buy now’ click into money in your bank account. It's the technology bridge between your checkout page and the complex web of banks, card networks, and regulatory systems that move money around the world.

Think of it as your business's financial translator. Your payment solution speaks fluent iDEAL to local customers, handles Visa and Mastercard transactions for international buyers, manages fraud detection automatically, and ensures you're compliant with European payment regulations.

The best solutions do this invisibly so your customers get a seamless purchasing process whilst you get paid reliably and securely. If you’re specifically looking for a payment gateway, we’ve compared the best options for Dutch businesses here.

A quick look at the top 5 payment solutions for Dutch Businesses in 2025

The Dutch market offers everything from local specialists to global platforms designed for different business needs and growth stages.

Airwallex leads for businesses thinking internationally. Built around multi-currency accounts and competitive FX rates, it's the platform for companies juggling euros, dollars, and pounds without getting stung by unnecessarily high conversion fees. Think global commerce with local Dutch payment support.

Mollie is common among Dutch and EU-focused SME businesses. Seamless iDEAL integration and transparent pricing makes it a great option for companies that want European expansion without complexity.

Pay.nl promises the fastest path from signup to first payment: 15 minutes. Its omnichannel approach means your online store, physical shop, and mobile payments all work through one system. It also bills itself as a Buy Now, Pay Later specialist.

Buckaroo operates in the subscription economy. 30,000+ Dutch businesses rely on the platform for subscriptions, recurring billing, and debt management.

Stripe is often seen as the developer's choice. Extensive customisation options make it ideal for businesses building unique payment experiences rather than using off-the-shelf solutions (although they have those, too).

What to look for in a payment solution for your Dutch business

Local payment support

If you're focused on selling locally, you’ll want to offer iDEAL, instant SEPA transfers, and digital wallets like Apple Pay. If you're expanding internationally, look for global card acceptance and local payment methods for each target market.

Check how smoothly the provider handles payment failures and refunds across all methods, not just whether they technically support them.

International capabilities

FX rates can vary wildly between payment solutions – traditional banks often charge 2-3% above interbank rates, whilst other platforms offer 0.5-1% markups. It’s also worth finding a partner that lets you hold multiple currencies (especially those you use most) in your account to avoid forced conversions on every transaction.

For more information on cross-border payments, check out our guide for Dutch companies going global.

Integrations

To avoid creating new headaches and silos, look for a payment solution that connects with your existing business systems. That might mean native plugins with major eCommerce platforms like Shopify, WooCommerce, and Magento. Check for API connections to accounting software like Exact Online and Twinfield that sync data automatically.

Compliance and security

Your provider should be PCI DSS certified, so you don't need to worry about storing sensitive payment information. Look for Strong Customer Authentication (SCA) compliance to add security protection and fraud detection technology with adjustable risk settings. Data residency within the EU also matters – it keeps you compliant with GDPR requirements.

Pricing structure

It’s worth considering the total cost, including setup fees, monthly minimums, transaction fees, currency conversion rates, and FX costs, to avoid any surprises. Volume discounts often kick in at €100K+ monthly processing, and some providers waive monthly fees if you maintain minimum balances.

Support and settlement

Look for providers offering dedicated account management in your language rather than general support queues, especially if you process significant volumes. Settlement timing can also affect your daily operations: some providers pay instantly, but others weekly, so choose carefully based on your cash flow requirements. [H2] Comparing the best 5 payment solutions for Dutch businesses side by side

* €0/month if you deposit at least €10k per month or hold a minimum balance of £10k. For more information, see here.

How to choose the right payment solution for your business

The right payment solution may depend more on your operational complexity than your transaction volume. Here are some tips for evaluating your options based on how your business looks today.

Smaller businesses

Speed and simplicity may beat feature lists at this stage. Consider:

• Cost: Transparent pricing without hidden setup fees or minimum volume requirements

• Essential features: Reliable payment processing and fraud protection

• Support needs: Dutch language support for quick problem resolution with local customers

• Integration: No-code plugins for your accounting and eCommerce platforms

Ask yourself: Can you start accepting payments today or does setup require weeks?

Some smaller businesses prefer starting out with a payment gateway provider first. Our payment gateway guide covers this in more detail.

Growing businesses

Operational efficiency often becomes challenging as teams and payment workflow increase in complexity. Consider:

• Cost: Whether volume discounts and total cost modelling are worthwhile

• Additional features: Unified expense management and corporate cards to reduce admin overhead as you grow

• Technical needs: API access for custom integrations and multi-platform flows

• International expansion: Local bank details in target markets and the ability to accept and hold key currencies

Ask yourself: Will this platform grow with me, or could I be forced into an expensive migration in 18 months?

Enterprise

It may be time to move beyond off-the-shelf and partially customisable solutions. Consider:

• Cost: If custom pricing is available to negotiate at scaleAdvanced features: whether you can build custom financial ecosystems, manage multiple entities and currencies, and embed payment capabilities into your platform

• Operational needs: ERP integrations, automated bulk payment processing, and real-time visibility across complex international operations

• Support expectations: If you get a dedicated account manager with guaranteed availability or response times

Ask yourself: Does this reduce operational complexity or create integration headaches?

Why smart Dutch business owners use Airwallex

Most payment providers force you to choose between local expertise and international capability. Airwallex eliminates this trade-off by offering a payment solution that understands global trade.

For Dutch businesses, this means access to seamless iDEAL integration alongside 160+ other local payment methods, so you never sacrifice the payment experience your customers expect. You also get competitive FX rates at our competitive rate of interbank + 0.5-1%, whether you're paying suppliers in Asia or receiving payments from US customers, and you can hold funds in 23+ currencies and convert when market conditions suit you.

Beyond payments, Airwallex consolidates currency management, corporate cards, bill pay, and expense tracking into one system. One dashboard could replace your multiple banking accounts and platforms with one support team that understands your workflow.

Conclusion

Whether you’re scaling beyond Europe or managing suppliers in multiple currencies, if you want to compete internationally without traditional banking limitations, Airwallex provides the financial infrastructure to help you scale efficiently.

References

1 https://www.statista.com/forecasts/1150079/debit-card-penetration-forecast-in-the-netherlands

2 https://www.statista.com/forecasts/1226809/biggest-e-commerce-payment-brands-in-the-netherlands

3 https://www.statista.com/statistics/1296718/preferred-payment-methods-netherlands/

4 https://www.globenewswire.com/news-release/2025/03/06/3038344/28124/en/Netherlands-Buy-Now-Pay-Later-Market-Report-2025-Payments-to-Grow-by-14-to-Reach-10-29-Billion-this-Year-Forecasts-to-2030.html

5 https://docs.mollie.com/docs/payment-methods

6 https://help.mollie.com/hc/en-us/articles/115002540294-How-long-does-it-take-to-process-a-payment

7 https://help.mollie.com/hc/en-us/articles/115002540294-How-long-does-it-take-to-process-a-payment

8 https://stripe.com/en-nl/pricing

9 https://stripe.com/en-nl/payments/payment-methods

10 https://docs.stripe.com/payouts

11 https://docs.stripe.com/currencies#:~:text=You%20can%20charge%20customers%20in,native%20currency%20can%20increase%20sales.

12 https://www.pay.nl/en/services

13 https://www.pay.nl/en/solutions

14 https://www.pay.nl/en/features/multi-currency

15 https://www.buckaroo.eu/pricing

16 https://docs.buckaroo.io/docs/payment-methods