Mollie Rolls Out Tap Payment Terminal in the Netherlands
Hey Payments Fanatic!
Tuesday night, I had the pleasure of attending Mollie's event in Amsterdam, where they unveiled their sleek new payment terminal: Tap. It was a great evening, catching up with old friends like Adriaan Mol and seeing the energy around one of Europe's most exciting payments companies.
As a fellow Amsterdammer, I couldn't be prouder of what Mollie has built and what's still ahead. This is a company to watch, believe me.
Before we dive into today's headlines, here's a quick look at their brand-new POS terminal:
Mollie's Tap
Tap marks Mollie's next step into physical payments. It’s compact, contactless, and you can carry it in your pocket.
Running on Android, the terminal connects with the apps that business owners already use in their daily operations. Whether it’s a café, a salon, a market stall, or a taxi, Tap is built to meet businesses where they are: both online and offline.
But Tap is more than just hardware. It brings in-person transactions into Mollie’s broader payments ecosystem, because there'll be a single dashboard for every sale, regardless of whether it happens at a checkout counter or through a website. No need to jump between systems.
As Mollie CEO Koen Köppen puts it: “With Tap, we show that it can be done differently. The terminal is easy to use, similar to a smartphone, affordable, and ready to use within 30 seconds. Moreover, Tap works anytime, anywhere, allowing business owners to grow their businesses both online and offline.”
Tap is now launching in the Netherlands, with Belgium, Germany, and Austria expected to follow soon.
Read more global payment industry updates below 👇 and I'll be back with more tomorrow!
Cheers,
NEWS
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GOLDEN NUGGET
Welcome to 𝐓𝐡𝐞 𝐂𝐚𝐫𝐭𝐞𝐬 𝐁𝐚𝐧𝐜𝐚𝐢𝐫𝐞𝐬 𝐒𝐞𝐫𝐢𝐞𝐬 🇫🇷 — Episode 1 👇 Created by Arthur Bedel 💳 ♻️
𝐂𝐚𝐫𝐭𝐞𝐬 𝐁𝐚𝐧𝐜𝐚𝐢𝐫𝐞𝐬 (𝐂𝐁) is 𝐅𝐫𝐚𝐧𝐜𝐞’𝐬 𝐝𝐨𝐦𝐞𝐬𝐭𝐢𝐜 𝐜𝐚𝐫𝐝 𝐧𝐞𝐭𝐰𝐨𝐫𝐤 — powering over 50% of all payments and processing 14.5B+ transactions annually. CB is more than a scheme. It’s a national infrastructure — built by banks, for banks — delivering performance, privacy, and sovereignty at scale.
𝐓𝐡𝐞 𝐊𝐞𝐲 𝐭𝐨 𝐭𝐡𝐞 𝐅𝐫𝐞𝐧𝐜𝐡 𝐌𝐚𝐫𝐤𝐞𝐭:
► 77M+ CB cards in circulation
► 7.2B contactless payments
► 94.2% CIT (Cardholder Initiated Transaction) conversion rate
► 0.05% e-commerce fraud — lowest in Europe
► Among the cheapest auths in Europe at €0.0026
CB handles ~2/3 of household consumption in France and ~20% of all EU card volumes — making it essential for any issuer or merchant entering the market.
𝐖𝐡𝐚𝐭 𝐢𝐬 𝐂𝐁 & 𝐡𝐨𝐰 𝐝𝐨𝐞𝐬 𝐢𝐭 𝐰𝐨𝐫𝐤?
CB is a not-for-profit, bank-owned network with full-stack infrastructure:
• GIE CB → Scheme governance
• STET → Routing and clearing
• CB2I Consulting, ELITT, FrenchSys → Testing, integration & compliance
It’s a closed-loop ecosystem — processing, securing, and scoring transactions entirely within France — fully GDPR-aligned, with no third-party data monetization.
𝐖𝐡𝐲 𝐦𝐞𝐫𝐜𝐡𝐚𝐧𝐭𝐬 𝐥𝐨𝐯𝐞 𝐂𝐁
→ 𝐍𝐨 𝐜𝐨𝐦𝐦𝐞𝐫𝐜𝐢𝐚𝐥 𝐜𝐡𝐚𝐫𝐠𝐞𝐛𝐚𝐜𝐤𝐬 — payments are irrevocable
→ 𝐁𝐞𝐬𝐭 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐢𝐨𝐧 at checkout and the highest frictionless rates
→ 𝐍𝐨 𝐡𝐢𝐝𝐝𝐞𝐧 𝐟𝐞𝐞𝐬 𝐨𝐫 𝐩𝐞𝐧𝐚𝐥𝐭𝐢𝐞𝐬 — CB collaborates with PSPs to solve issues
→ 𝐂𝐚𝐩𝐩𝐞𝐝 𝐢𝐧𝐭𝐞𝐫𝐜𝐡𝐚𝐧𝐠𝐞 (0.2% debit / 0.3% credit)
→ French data, French support, French infrastructure
𝐓𝐡𝐞 𝐕𝐚𝐥𝐮𝐞-𝐀𝐝𝐝𝐞𝐝 𝐒𝐮𝐢𝐭𝐞 → 𝐅𝐚𝐬𝐭’𝐑, 𝐔𝐩𝐝𝐚𝐭’𝐑, 𝐒𝐚𝐟𝐞’𝐑
► 𝐅𝐚𝐬𝐭’𝐑 — frictionless-first 3DS
• 95%+ frictionless when requested
• Response fallback if issuers are down
• €0.0026 cost per auth
→ CB equivalent of Visa Secure
► 𝐔𝐩𝐝𝐚𝐭’𝐑 — card data updater
• Real-time card refresh
• Boosts recurring conversion by 1–2 points
• No usage-based fees
→ CB equivalent of Visa Account Updater
► 𝐒𝐚𝐟𝐞’𝐑 — merchant-controlled 3DS
• Direct control over SCA
• Fraud reduction + DSP2 compliance
→ CB equivalent of EMVCo delegated authentication
Next Up → Deep dive into 𝐅𝐚𝐬𝐭’𝐑 — CB’s secret to 95%+ frictionless auth
Source: GIE Cartes Bancaires x Connecting the dots in payments...
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