Embed business accounts
Trusted by Over 250,000 European businesses
Unify finances
Give your merchants dedicated IBANs, cards and spending tools so they run their business inside your platform.
Method
Amount
Status
€25.00
Open
€32.00
Paid
€8.00
Pending
€25.00
Open
€16,00
Open
Generate new revenues
Become the financial home your merchants and earn on every account, card and transaction.
Countertop
Active
Kiosk
Active
Outdoor
Shipping
Without the overhead
Mollie holds the licence, safeguarding, and compliance, so you offer regulated accounts without becoming a bank.
Main account
€48,000.25
NL69 MLLE 4206 9666 21
VAT account
€5,351.00
NL23 MLLE 0290 8506 58
Amsterdam store
€10,210.55
NL52 MLLE 0243 2469 01
1
Agree your model
We design a model that fits your platform and customers.
2
Embed accounts
Integrate business accounts with hosted flows.
3
Sign up customers
Get customers a live IBAN and virtual card fast.
4
Start earning
Start earning on accounts, cards and transactions.
Efficient
Flexible
Choose a commercial model that fits your platform and merchants.
Transparent
Agree clear commercial terms upfront, with no hidden complexity.
Centralised
Embed business accounts alongside payments, financing and more.
Tailored
Give customers business accounts to suit their needs.
Multiplier
Grow customer access to financial tooling and unlock new revenues.
Find out what revenue model will work for you
See how business accounts can be embedded into your interface
Work with a dedicated solutions engineer
Embedded Services
€75,000
Waived fees on your next €75,000 in payment processing
For startups with up to €200k in funding
€500,000
Waived fees on your next €500,000 in payment processing
For startups with up to €200k-€2m in funding
€1,000,000
Waived fees on your next €1,000,000 in payment processing
For startups with €2m+ in funding
Frequently asked questions
How do embedded business accounts work?
Mollie provides the accounts, IBANs, cards and compliance; your platform embeds them under your brand and your merchants receive, hold and spend funds without leaving your product.
What is an embedded business account?
An embedded business account is a payment account that a software platform offers to its users directly within its own product, without the user having to open a separate account with a bank.
The platform partners with a licensed payments provider that handles the regulatory, compliance, and technical infrastructure. The platform keeps the customer relationship and decides how the account fits into its product, while the underlying provider issues the account, safeguards the funds, and processes the transactions.
Embedded business accounts are commonly used by SaaS platforms and marketplaces whose users need to receive payments, hold funds, and pay out money as part of using the platform.
How does my platform make money from business accounts?
You can earn on account referrals, online, in-person and outbound payments, with the split agreed upfront.
Are funds in an embedded business account safe?
Yes. Your money is protected at all times, regardless of what happens to Mollie.
As a licensed e-money institution regulated by De Nederlandsche Bank (DNB), Mollie is legally required to keep your funds completely separate from its own. Here's how that works in practice.
Safeguarding accounts
Your funds are held across multiple dedicated safeguarding accounts at partner banks, completely separate from Mollie's own business funds, through a legal entity called Stichting Mollie Payments.
Safe storage: Mollie never invests or lends out your money. It sits in ring-fenced accounts, untouched.
Protection in bankruptcy: If Mollie goes bankrupt, your funds are not part of the insolvency estate. They cannot be used to pay Mollie's creditors.
How long would it take to onboard my customers?
Most customers can complete onboarding in just a few minutes. For sole traders and other straightforward business structures, onboarding and account approval are often fully automated and nearly instant once all required information is provided.
Can I offer cards to my merchants?
Yes. Mollie Business Accounts include up to five virtual debit cards that merchants can use online, in-store, and with Apple Pay or Google Pay with configurable spend limits.
Do merchants get dedicated IBANs?
Yes, each merchant can have one or more dedicated IBANs with automatic sorting of incoming funds.
What compliance do I have to handle myself?
Mollie handles KYC, AML and PSD2 compliance; you keep the brand and merchant relationship.
Which markets are supported?
Mollie operates across 32 markets in the EEA, UK and Switzerland. IBANs are currently issued from the Netherlands.
How do I integrate embedded business accounts?
Working with a dedicated solutions engineer you can integrate via hosted components and Mollie's API.
