> ## Documentation Index > Fetch the complete documentation index at: https://docs.payreque.st/llms.txt > Use this file to discover all available pages before exploring further. # Setting Up Payment Providers > Connect Mollie, Stripe, PayPal, or Payoneer to start accepting payments through PayRequest # Setting Up Payment Providers PayRequest works with four payment providers: **Mollie**, **Stripe**, **PayPal**, and **Payoneer**. You only need one to get started, but you can connect all four and let your customers pick their preferred method. Each provider has its own connect flow and runs through your own merchant account. PayRequest never holds your money — payments land directly in your provider's account, and you withdraw on your own schedule. ## Which Provider Should I Pick? There's no wrong answer — most businesses start with one and add a second later as customer demand changes. Best for **European invoicing** and **subscriptions**. Strong on iDEAL, Bancontact, SEPA, and recurring billing. Best for **payment links** with global reach. Auto-localizes prices to the buyer's currency in 150+ countries. Best for **international payment links**. Adds Pay Later and Venmo where eligible — many buyers prefer the familiar PayPal checkout. Best for **creators with global audiences**. Supports 150+ currencies and local payment methods across Asia, LatAm, Africa, and the Middle East. **You can connect all four.** The payment page picks the right one for each transaction, and your customers see whichever methods you've enabled. ## What Each Provider Supports | Capability | Mollie | Stripe | PayPal | | ------------------------- | :----: | :--------------: | :-------: | | Payment links | ✓ | ✓ | ✓ | | Invoices | ✓ | — | — | | Subscriptions | ✓ | — | — | | Customer-currency display | — | ✓ | — | | Pay Later / BNPL | Klarna | Klarna, Afterpay | Pay Later | | Refunds | ✓ | ✓ | ✓ | **Stripe and PayPal currently power payment links only.** Invoices, subscriptions, and customer billing flows continue to use Mollie. We're rolling out broader Stripe and PayPal support in stages. ## How to Connect a Provider The fastest way is through the onboarding wizard the first time you sign in. After that, you can add or swap providers any time from the Provider Settings page. Click your avatar in the top-right and choose **Provider Settings**, or visit `/provider-settings` directly. You'll see a card for each available provider. Click **Connect** on the one you want. PayRequest sends you to Mollie, Stripe, or PayPal to log in (or create an account) and grant permission. You stay on the provider's own pages — we never see your password. Once you authorize, you're returned to PayRequest with the connection live. You'll see a green confirmation banner with the connected account's name. ## Connecting Multiple Providers You can have all three connected at the same time. Each one shows up as its own card in Provider Settings with its own enable/disable switch. PayRequest applies a simple priority: when a customer pays an invoice or subscription, it goes through Mollie. When they pay through a payment link, they see whichever of Stripe and PayPal you've enabled (or both, side by side). If you disconnect a provider while subscriptions are active, those subscriptions will stop charging at the next renewal. Make sure to migrate active subscriptions before disconnecting. ## Setting a Default Gateway When you have more than one provider connected, you can mark one as your **default** to keep things tidy. The default is the provider PayRequest reaches for first when there's no explicit choice (for example, internal invoice flows and automatic routing). Navigate to **Settings → Providers** from the dashboard. Find the card for the provider you want as default. It must be **Active** — you can't set an inactive provider as default. Click the star **Set as default** button in the top-right of the provider card. The button only appears on active, non-default providers. A blue **Default** badge appears next to the active status, and the previous default (if any) is automatically demoted. Only one provider can be the default at a time. If you mostly invoice European customers, set **Mollie** as default. If you mostly run global payment links, set **Stripe**. You can change the default at any time without breaking existing transactions. Setting a default doesn't disable the other providers — customers can still pay through any active gateway on the payment page. The default just decides which provider PayRequest picks when it has to choose for you. ## Provider-Specific Guides Configure iDEAL, Bancontact, SEPA, and recurring billing for European customers. Accept cards, Apple Pay, Google Pay, Klarna, and more — with auto-localized pricing. Add PayPal, Pay Later, and Venmo to your payment links. Reach customers in 150+ countries across Asia, LatAm, Africa, and the Middle East. ## Frequently Asked Questions Free-plan accounts pay a **2% platform fee** that PayRequest takes from each transaction. Paid plans (Freelancer and Business) don't pay any platform fee — you only pay your provider's standard processing fees. The provider's fees go directly to Mollie, Stripe, or PayPal — PayRequest never touches them. Straight to your own merchant account. Mollie deposits into your bank account, Stripe and PayPal hold the balance until you withdraw it. PayRequest is just the storefront and accounting layer — we don't act as a marketplace or payment aggregator. Yes. The connect flow links your existing account — you don't need to create a new one. If you don't have an account yet, the provider will offer to create one during the connect flow. Yes. Disconnect the old one in Provider Settings and connect a new one. Existing transactions stay searchable in your dashboard regardless of which provider is currently active. ## Next Steps See every payment method PayRequest supports across all three providers. Generate a shareable link or QR code your customers can pay through.