We offer three different plans depending on the type of business and your needs. We suggest that you start with MONEI X (e-commerce) or MONEI Pay (physical retail). Then if you'd like to upgrade your account to enjoy the benefits of payments orchestration (MONEI PLUS), you can contact support to make the switch.
Below is an overview of the different fees associated with each plan for merchants in Spain and you can compare each in more detail here.
Andorra-based businesses, please contact support for pricing information.
MONEI X (Starter plan e-commerce)
MONEI X is the fastest and easiest way for e-commerce businesses to start accepting online payments. All you have to do is sign up, provide your business details and identification, and as soon as your account has been approved, you'll be ready to start accepting payments.
Credit cards and digital wallets including Apple Pay, Google Pay, and Click to Pay will be enabled in your account by default. You can disable them if you'd like and configure additional payment methods such as PayPal and Bizum, Spain's increasingly popular peer-to-peer payment app.
MONEI X fees
For businesses based in Spain, see DYNAMIC MONEI FEES below. These are the transaction fees applied on top of Interchange ++ 0.1%.
These fees are applicable for:
- Credit card
- Apple Pay
- Google Pay
- Click to Pay
📌 Use our free interchange fee calculator.
Note: The dynamic fees listed below are not applicable for Bizum payments (more information here), PayPal (more information here), and Klarna (more information here). Find more information about each payment method here.
DYNAMIC MONEI FEES FOR PLATFORM USAGE:
As you sell more, your transaction fees will decrease in real-time.
| monthly € volume |
variable fee |
fixed fee per transaction
|
| 10 Milion € onwards | 0.15% | 0.24 € |
| 7 to 10 Milion € | 0.20% | 0.24 € |
| 5 to 7 Milion € | 0.25% | 0.24 € |
| 3 to 5 Milion € | 0.30% | 0.24 € |
| 1 to 3 Milion € | 0.40% | 0.24 € |
| 0,5 to 1 Milion € | 0.60% | 0.24 € |
| 200.000 to 500.000 € | 0.90% | 0.24 € |
| 0 to 200.000 € | 1.19% | 0.24 € |
There are no fees for unsuccessful transactions.
Daily platform usage fees are VAT excluded and are billed and charged on a 7 days basis. Payment of those fees is processed through a SEPA direct debit charge against the merchant IBAN.
There is a €0.2 settlement fee for all payouts with the MONEI X plan.
Compare plans on the pricing page here.
MONEI Pay (Starter plan physical retail)
MONEI Pay is the fastest and easiest way for physical retailers to get started with accepting in-store payments via QR codes. All you have to do is sign up, provide your business details and identification, and as soon as your account has been approved, you can contact support to configure MONEI Pay. Then you'll be able to generate digital QR codes.
With QR codes, you'll save money on expensive POS hardware by accepting and managing contactless in-store payments from your smartphone.
Credit cards and digital wallets including Apple Pay, Google Pay, and Click to Pay will be enabled automatically in your account. You can disable them if you'd like and configure additional payment methods such as Bizum, Spain's increasingly popular peer-to-peer payment app.
MONEI Pay fees
For businesses based in Spain, use MONEI Pay to sell in-store.
- 0.65% per transaction for Apple Pay, Google Pay, PayPal, Visa, Mastercard, Diners Club International, Discover, and Union Pay
- 0.9% per transaction for Bizum
- Daily platform fee: €0.03
- QR stickers welcome pack: €19.99 (not mandatory, it's also possible to generate digital QR codes)
- POS terminal: €59.99 (Only necessary if you prefer POS hardware instead of accepting payments through a smartphone or other mobile device)
Compare plans on the pricing page here.
MONEI PLUS (Enterprise plan e-commerce)
MONEI PLUS includes advanced functionalities such as payments orchestration for e-commerce merchants. For the time being, it's not available for in-store payments. We suggest that you start by setting up your account with the MONEI X plan and then contact support if you'd like to upgrade to MONEI PLUS.
This way, credit cards and digital wallets like Apple Pay, Google Pay, and Click to Pay will be enabled immediately in your account. Then once your account has been switched to MONEI PLUS, you can configure payment routing rules.
MONEI PLUS fees
For enterprise businesses, use MONEI PLUS to manage your entire payment stack from one platform (multiple processors, acquirers, and payment methods). Prices start at €39.99 per day and the same dynamic fees for platform usage (listed above) apply to the MONEI PLUS plan. Contact support to upgrade.
Compare plans on the pricing page here.
MONEI Subscriptions
If you're interested in MONEI Subscriptions, please contact support for more information about account setup and pricing.
Pay what feels good policy
Did you have something else in mind? Are you considering switching to MONEI from another payment service provider and want to see if we can price match? We can't guarantee it, but learn more about our pay what feels good policy here and contact support.
Additional information
Pricing on some schemes and verticals may have a high-risk fee on top of the previously mentioned fees. For example, this fee can go up to 10% for crypto exchanges using MONEI to process fiat payments, and for stores selling, gambling, travel, gaming, or CBD products.
MONEI reserves the right to update and change the Pricing Definitions from time to time. If MONEI makes a material change to the Pricing Definitions, MONEI will notify the user/merchant. Such notice may be provided via email or by posting a notice in the administrative dashboard for the merchant(s) and/or in the support docs.