Mollie vs Polar for AI agents
As of 12 Oct 2026, both reach L1 · Needs a person, and with each our agent was stopped at sign up (needs a human).
- Find: Docs for agents: llms.txt, an OpenAPI and an MCP server.
- Access: Can't sign up.
- Use: Work not reached.
- Pay: No plan to buy.
- Leave: Leaving not reached.
Stopped at sign up: needs a human. Next: let an agent sign up on its own
Needs a person to open an account before any work starts. Sign-up stopped at a reCAPTCHA puzzle: the form rejected our agent's browser as odd, then asked it to solve an image challenge, so no checkpoint past it could run. Docs are strong: llms.txt, markdown pages, an Agent Skills index, OpenAPI on GitHub, and an official MCP server with OAuth, but keys come only from the Web App, with no device flow. No call, payment or cancel was reached: pricing is per transaction with nothing to buy to start, and no account existed to delete.
Driven 12 Oct 2026 · The drive and its evidence- Find: Docs for agents: llms.txt, an OpenAPI and an MCP server.
- Access: Can't sign up.
- Use: Work not reached.
- Pay: Payment not reached.
- Leave: Leaving not reached.
Stopped at sign up: needs a human. Next: let an agent sign up on its own
Needs a person before it does anything: L1 · Needs a person. Our agent stopped at signup: email sign-in on /auth shows a Cloudflare Turnstile widget, and it answered "Verification failed. Please try again." to our agent's browser. Other routes are Google, Apple or GitHub OAuth; none lets an API or CLI create an account. Dynamic client registration works headless, but authorizing still routes through that same Turnstile sign-in, so no token, no first call, no work done. Docs are agent-ready: llms.txt, Markdown pages, OpenAPI, a CLI, an OAuth MCP server. Paying and leaving stay untested: plan switches sit behind that same human sign-in, and the API has no operation to delete an account.
Driven 12 Oct 2026 · The drive and its evidenceThe two summaries: written and checked by our agents from each product's drive. How we write.
Where each one stops.
MollieStopped at sign up: needs a human
PolarStopped at sign up: needs a human
| Checkpoint | Mollie | Polar |
|---|---|---|
| Docs | Headless | Headless |
| Sign up | Needs a human | Needs a human |
| Verify | Not reached | Not reached |
| Key | Not reached | Not reached |
| First call | Not reached | Not reached |
| First action | Not reached | Not reached |
| Pay | Not reached | Not reached |
| Cancel | Not reached | Not reached |
| Delete | Not reached | Not reached |
Headless or in a browser.
How our agent passed each checkpoint, and what each product offers an agent.
Checkpoints by route, API, MCP, CLI and SDK
| Mollie | Polar | |
|---|---|---|
| Headless (checkpoints) | 1 | 1 |
| In a browser (checkpoints) | 0 | 0 |
| Needs a human (checkpoints) | 1 | 1 |
| Blocked (checkpoints) | 0 | 0 |
| Not tested (checkpoints) | 7 | 7 |
| Work done | Not measured | Not measured |
| API | Yes | Yes |
| OpenAPI | Yes | Yes |
| MCP server | Yes (official) | Yes (official) |
| CLI | No | Yes |
| SDK | Yes | Yes |
| llms.txt | Yes | Yes |
Bot checks, and where a person was needed.
| Mollie | Polar | |
|---|---|---|
| Bot check | Google reCAPTCHA (score, then image challenge page) stopped it at sign up, with a visible challenge | Cloudflare Turnstile stopped it at sign up, with a visible challenge |
| Wall type | A challenge on the form | A check of our network and browser |
| First wall | reCAPTCHA picture puzzle on sign-up | Cloudflare Turnstile on the email sign-in |
| A person helped | No | No |
A challenge on the form: It asks every visitor to prove they are human. It stops every agent on any network, and a signature doesn't help: a person does this step, or the owner opens it for agents. A check of our network and browser: It judged where our agent connects from and its browser, not a person. An agent that works on its own from a data center doesn't get through unless the owner lets signed agents in. How agents in a person's own browser fare isn't measured yet. Where we drive from.
Level and part scores.
| Mollie | Polar | |
|---|---|---|
| Level | L1 · Needs a person | L1 · Needs a person |
| Agent-ready setup | 100 of 100, good | 100 of 100, good |
| Standards | MCP client registration (current) · OpenAPI 3.1.0 (1 version behind) | MCP client registration (behind) · OpenAPI 3.1.0 (1 version behind) |
Holds up: not measured in these drives. Docs match is measured in an Audit. What the scores mean.
Pay, cancel and delete.
| Mollie | Polar | |
|---|---|---|
| Pay | No plan to buy | Payment not reached |
| Free plan or trial | Free plan | Free plan |
| Cancel | Not reached | Not reached |
| Delete the account | Not reached | Not reached |
How each one takes payment
- Mollie: No plan to buy.
- Polar: Payment not reached.
Mollie vs Polar: the short answers.
Which can an AI agent use, Mollie or Polar?
Both reach L1 · Needs a person, and with each our agent was stopped at sign up (needs a human). Both driven 12 Oct 2026.
Can an AI agent sign up for Mollie and Polar on its own?
Mollie: no, needs a human. Polar: no, needs a human.
Do Mollie and Polar have an MCP server?
Mollie: yes (official). Polar: yes (official).
Can an AI agent delete its Mollie or Polar account?
Mollie: not reached. Polar: not reached.
The drives and the category.
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