MONEI

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What MONEI is

MONEI is a payment gateway for businesses in Spain and Andorra, provided by a fintech company founded in 2015 and based in Málaga, Spain. It authorizes and processes online payments through one integration and supports more than 30 methods, including cards, Apple Pay, Google Pay, Bizum, digital wallets, and local options. Direct integrations are listed for Shopify, WooCommerce, Wix, Magento 2, and PrestaShop, with a payments API for custom websites. Hosted checkout pages can use a logo, brand colors, and a custom URL. The gateway supports recurring payments, subscriptions, and Pay By Link payments without a website. MONEI Pay accepts card payments from Android and iOS phones. Security listings include 3D Secure 2.0, PSD2 strong-customer-authentication support, and PCI DSS Level 1 compliance. MONEI One is billed per transaction, with no setup fee or monthly minimum; settlements usually take 1 to 7 days.

Who it suits

MONEI suits businesses in Spain and Andorra that need online, recurring, linked, or phone-based payment acceptance. It also fits merchants using listed commerce platforms or a custom API integration.

What it does well

Supports more than 30 payment methods
Integrates with major commerce platforms
Offers customizable hosted checkout
Handles recurring payments and subscriptions
Provides Android and iOS payment app

What to know first

No free plan
Payouts can take up to 30 days for high-risk merchants
Pricing is transaction-based rather than listed upfront
Target market is Spain and Andorra

Plans

Plan	Billed and limits	Price
MONEI One	per transaction · + Interchange++ at settlement · No setup fee · no monthly minimum · card fee drops to 0.15% as monthly volume grows · €0.15/day platform fee for Bizum, Apple Pay, Google Pay, PayPal & 30+ methods	On request

As monei.com lists them, read 7 Oct 2026. The maker's own page has the final word.

Verdict

MONEI combines broad payment-method coverage, commerce integrations, customizable checkout, and mobile acceptance. Its transaction pricing has no setup fee or monthly minimum, while settlement timing varies by merchant risk.

Facts from MONEI's own pages

Checkout: The hosted checkout can be customized with a merchant’s logo, brand colors, and custom URL. · monei.com, 7 Oct 2026
Company: MONEI says it is a fintech company founded in 2015 and based in Málaga, Spain. · monei.com, 7 Oct 2026
Founded: 2015 · monei.com, 28 Sept 2026
Headquarters: Málaga, Spain · monei.com, 28 Sept 2026
Integrations: MONEI lists direct integrations for Shopify, WooCommerce, Wix, Magento 2, and PrestaShop, plus a payments API for custom websites. · monei.com, 7 Oct 2026
Mobile app: The MONEI Pay app is available for Android and iOS and can accept card payments from a phone. · monei.com, 7 Oct 2026
Payment links: Pay By Link lets businesses take payments with or without a website. · monei.com, 7 Oct 2026
Payment methods: The gateway supports 30+ payment methods, including cards, digital wallets, and local options. · monei.com, 7 Oct 2026
Product: MONEI is a payment gateway that authorizes and processes online payments and supports cards, Apple Pay, Google Pay, Bizum, and other methods through one integration. · monei.com, 7 Oct 2026
Recurring payments: The platform supports recurring payments and subscriptions. · monei.com, 7 Oct 2026
Refunds: MONEI says online payment refunds can be issued through its dashboard or an e-commerce backend, with no refund fee listed on the pricing page. · monei.com, 7 Oct 2026
Security: MONEI says its gateway includes 3D Secure 2.0, meets PSD2 strong customer authentication requirements, and is PCI DSS Level 1 compliant. · monei.com, 7 Oct 2026
Settlements: The pricing FAQ says settlements usually take 1 to 7 days; high-risk merchants such as CBD sellers may have payout periods up to 30 days. · monei.com, 7 Oct 2026
Target market: The payment gateway page describes MONEI as built for businesses in Spain and Andorra. · monei.com, 7 Oct 2026

Where MONEI stands on Freedom251

Payment Gateways#35 of 66
Payment Processing Software#44 of 71