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Transaction costs and payment methods

How do transaction costs work for online payments and why is iDEAL the most affordable option in the Netherlands?

General
Featured
2 min read By Niels Oosterhoff 27 Dec 2025 Last updated 18 Apr 2026

How do costs work at Bookura?

With Bookura, you only pay when a client successfully pays online. There are no monthly fees or setup costs.

The costs consist of two parts:

  1. Bookura fee: 0.6% of the transaction amount
  2. Mollie costs: the costs of the payment method your client uses

Why is iDEAL so affordable?

In the Netherlands, iDEAL is by far the most popular and affordable payment method. iDEAL charges a fixed amount per transaction, regardless of the amount your client pays. This makes iDEAL especially attractive for higher amounts.

Other payment methods like credit cards work with a percentage plus a fixed amount per transaction. This makes them more expensive, especially for higher amounts.

Payment methods overview

iDEAL (recommended for the Netherlands)

iDEAL is the standard payment method for Dutch clients. Almost everyone in the Netherlands has access to iDEAL through their bank.

  • Costs: fixed amount per transaction
  • Advantage: low and predictable rate

Credit cards (Visa, Mastercard)

Credit cards are more expensive than iDEAL because they work with a percentage of the transaction amount plus a fixed amount.

  • Costs: percentage + fixed amount per transaction
  • Different rates: for consumer cards, business cards, and cards from outside Europe

Other payment methods

Payment methods like Apple Pay and Google Pay use the rate of the underlying card. Methods like PayPal and Klarna have their own rate structures.

Calculation example

Suppose a client pays €50 for a treatment via iDEAL:

  • Bookura fee: €0.30 (0.6% of €50)
  • Mollie iDEAL costs: fixed amount
  • You receive: the majority of the €50

With a credit card payment of €50, the costs are higher due to the percentage that credit cards charge.

Current rates

Mollie regularly adjusts rates. Always check the current rates on the official Mollie website:

View current Mollie rates →

When are costs deducted?

Transaction costs are automatically deducted by Mollie before the amount is paid out to you. You don't have to do anything for this and won't receive a separate invoice for these costs.

Our tip: only activate iDEAL

Do you mainly have Dutch clients? We recommend only activating iDEAL as a payment method in your Mollie account. This way you always benefit from the lowest transaction costs and clients can't accidentally choose a more expensive payment method.

Credit cards and other payment methods are mainly useful if you regularly have international clients who don't have access to iDEAL.

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