MONEI

MONEI is a European fintech that provides an omnichannel payments platform for businesses. Founded in 2015 in Málaga, Spain, it offers a unified API to accept a broad range of payment methods across online and in-person channels, including Bizum, cards, and digital wallets. The platform emphasizes security (3D Secure 2.0, PSD2, PCI DSS Level 1) and features like payments orchestration, subscriptions, real-time analytics, and fast settlements to help merchants scale.

• Omnichannel payments platform with a unified API
• Accept major methods: cards, Bizum, Google Pay, Apple Pay, PayPal, and local methods like Multibanco
• In-store payments with MONEI Pay and MONEI Pod
• Payments orchestration, smart routing, and dynamic pricing
• Subscriptions and recurring billing
• Real-time sales analytics and 24h settlements
• Security: 3D Secure 2.0, PSD2, PCI DSS Level 1
• Easy integrations with Shopify, Wix, WooCommerce, Magento, PrestaShop; APIs/SDKs/GraphQL
• Pay By Link and hosted checkout with customizable domain
• Tokenization, card vaulting, and PCI compliance
• Developer-friendly with API, SDKs, and plugins

• All-in-one platform for online and offline payments
• Supports cross-border and localized methods like Bizum
• Flexible pricing with dynamic billing and no upfront setup fees
• Fast onboarding and quick settlements (in-store and online)
• Strong security and compliance across payment methods
• Brand customization and hosted checkout for a seamless checkout experience

• Pricing model: Pay What Feels Good with dynamic pricing; no setup fees
• MONEI X: Interchange++ starting at 0.1% + €0.24 per card transaction; scalable pricing starting at 0.15% + €0.24; Setup Fee: Free; Daily Fee: €0.10; Settlement: 7 days (up to 30 days based on risk score); Payment Methods: all + alternative methods with €0 setup for methods; Dashboard: 1 included, additional seats €0.16/day; Custom domain: €2.99/week; High Priority Support
• MONEI PLUS: 0.15% to 1.19% per successful card transaction; Setup: Free; Daily: €39.99 for up to 2 processors (€19 for each additional processor); Settlement: what your acquirer offers; Dashboard: Unlimited users; Custom domain: €2.99/week; Include all features and integrations
• MONEI Pay: Cards 0.45% per successful transaction; Bizum 0.9% per successful transaction; Setup: Free; Daily: €0.03; Settlement: 24h; Dashboard: 1 included (additional seats €0.16/day); Custom domain: €2.99/week; Chargebacks: €17.00 per chargeback
• Other notes: VAT-exempt payments-related fees per artículo 20 de la Ley 37/1992; integrates with MONEI Connect for platform/marketplace onboarding; “Proudly used by more than 5000 stores.”