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Cards

You can start accepting Card payments on the Web using Hosted Payment Page or Card Input Component. No additional configuration is required for the Hosted Payment Page. It already supports all available payment methods and does not require coding.

MONEI lets you accept both national and international card payments. When you configure the card payment method, all supported are activated and every card transaction appears in your MONEI Dashboard → Payments.

Our Card Input Component renders a card input to your custom payment page. The Card Input Component lets you securely collect card information all within one component. It includes a dynamically-updating card brand icon as well as inputs for number, expiry and . It is responsive, optimized for mobile devices, completely customizable and localized to 14 languages.

Supported cards​

With MONEI you can accept both national and international credit and debit card payments. Your customers can pay with cards issued by the following networks:

  • Visa
  • Mastercard
  • JCB
  • Diners Club International
  • Discover
  • Union Pay

Visa and Mastercard are the two largest international card networks, so MONEI also supports the large number of co-branded cards on those networks. When you configure the card payment method, all supported card brands are activated, and every card transaction appears in your MONEI Dashboard → Payments.

You can also offer your customers alternative and local payment methods such as Bizum, PayPal, Apple Pay, Google Pay, and Multibanco. Enabling more local payment methods helps you reach more international customers and make more cross-border sales.

Activation​

Card payments are configured automatically once your account is approved. If you bring your own acquirer or processor, you must have your own (virtual POS) — learn what a TPV Virtual is and how to get one.

Once card payments are configured, all supported card brands are activated and the card method becomes available in the Hosted Payment Page. You can also render the Card Input Component on your own checkout. To integrate MONEI with your website, see the Integration section below.

Fees​

Card fees are charged per successful transaction and vary depending on the MONEI plan you choose. For current pricing, see MONEI fees.

Payouts​

We settle payments into the you've added to your MONEI account. If you bring your own acquirer, your settles payments into your IBAN instead.

Send payouts to customers​

You can also send money to a customer's card with a payout. Payouts are a gated feature: they must be enabled for your account by MONEI's risk team and are paid from a prefunded account balance. See Send payouts to customers for how it works.

Before you begin​

This page explains how to add Card Input Component to your custom payment page. If you don't need a custom checkout experience we recommend using our Hosted Payment Page.

To accept card payments you need to have at least one configured Card processor. To configure Card processors go to MONEI Dashboard → Settings → Payment methods → Card payments.

To test your integration:

Integration​

1. Create a Payment Server-side​

Create a Payment on your server with an amount and currency. Always decide how much to charge on the server side, a trusted environment, as opposed to the client. This prevents malicious customers from being able to choose their own prices.

POST https://api.monei.com/v1/payments
curl --request POST 'https://api.monei.com/v1/payments' \
--header 'Authorization: YOUR_API_KEY' \
--header 'Content-Type: application/json' \
--data-raw '{
  "amount": 110,
  "currency": "EUR",
  "orderId": "14379133960355",
  "description": "Test Shop - #14379133960355",
  "customer": {
    "email": "email@example.com"
   },
  "callbackUrl": "https://example.com/checkout/callback"
}'

(Replace YOUR_API_KEY with your actual MONEI API key)

The following parameters are required:

  • amount positive integer - Amount intended to be collected by this payment. A positive integer representing how much to charge in the (e.g., 100 cents to charge 1.00 USD)
  • currency string - Three-letter ISO currency code, in uppercase. Must be a supported currency.
  • orderId string - An order ID from your system. A unique identifier that can be used to the payment with your internal system.
  • callbackUrl string - The URL to which a payment result should be sent asynchronously.

Check all available request parameters.

Included in the returned Payment object is a payment id, which is used on the client side to securely complete the payment process instead of passing the entire Payment object.

2. Collect card details Client-side​

Include monei.js on your checkout page by adding the script tag to the head of your HTML file.

checkout.html
<head>
  <title>Checkout</title>
  <script src="https://js.monei.com/v3/monei.js"></script>
</head>

Add MONEI Card Input Component to your payment page. Create empty DOM nodes (containers) with unique IDs in your payment form.

checkout.html
<form id="payment-form">
  <div class="card-field">
    <div id="card-input">
      <!-- A MONEI Card Input Component will be inserted here. -->
    </div>
    <!-- Used to display card errors. -->
    <div id="card-error"></div>
  </div>
  <button type="submit" id="payment-button">Submit payment</button>
</form>

Initialize Card Input Component

client.js
const container = document.getElementById('card-input');
const errorText = document.getElementById('card-error');

// Create an instance of the Card Input using payment_id.
const cardInput = monei.CardInput({
  paymentId: '{{payment_id}}',
  onChange: function (event) {
    // Handle real-time validation errors.
    if (event.isTouched && event.error) {
      container.classList.add('is-invalid');
      errorText.innerText = event.error;
    } else {
      container.classList.remove('is-invalid');
      errorText.innerText = '';
    }
  }
});

// Render an instance of the Card Input into the `card_input` <div>.
cardInput.render(container);

The Card Input Component simplifies the form and minimizes the number of required fields by inserting a single, flexible input field that securely collects all necessary card details.

note

Card Input Component is also available as a React, Vue, Angular, and Svelte component.

Check the MONEI JS Reference for more options.

3. Confirm the payment Client-side​

To complete the payment you need to confirm it using monei.js confirmPayment function.

You need to provide a paymentId (obtained in step 1) and paymentToken generated with Card Input Component. You can also provide additional parameters like customer.email. Check all available parameters.

client.js
// Handle form submission.
const paymentForm = document.getElementById('payment-form');
const paymentButton = document.getElementById('payment-button');
paymentForm.addEventListener('submit', async function (event) {
  event.preventDefault();
  paymentButton.disabled = true;
  try {
    // Generate a payment token from the card input
    const {token, error} = await cardInput.submit();

    if (error) {
      // Inform the user if there was an error.
      container.classList.add('is-invalid');
      errorText.innerText = error;
      return;
    }

    container.classList.remove('is-invalid');
    errorText.innerText = '';

    // Confirm the payment with the generated token
    const result = await monei.confirmPayment({
      paymentId: '{{payment_id}}',
      paymentToken: token,
      paymentMethod: {card: {cardholderName: 'JOHN DOE'}}
    });

    // At this moment you can show a customer the payment result
    // But you should always rely on the result passed to the callback endpoint on your server
    // to update the order status
    console.log(result);
  } catch (error) {
    console.error(error);
  } finally {
    paymentButton.disabled = false;
  }
});

After the form is submitted MONEI will automatically show a popup window with 3d secure confirmation screen (if needed)

note

As an alternative process you can submit generated paymentToken to your server and then confirm payment on the server-side.

4. Process Webhook Notification Server-side​

After the client-side interaction and any necessary background processing (like or bank ), MONEI sends the final, authoritative payment status via an asynchronous HTTP POST request to the callbackUrl you provided in Step 1.

The request body contains the full Payment object in JSON format.

This is the only reliable way to confirm the definitive payment outcome.

Crucially, you must:

  1. Verify the MONEI-Signature header included in the request. This confirms the webhook genuinely came from MONEI. See the Verify Signatures guide for implementation details.
  2. Return a 200 OK HTTP status code immediately upon receiving the webhook to acknowledge receipt. Any other status code tells MONEI the notification failed.

If MONEI doesn't receive a 200 OK, it will retry sending the webhook.

Once the signature is verified, inspect the status field in the Payment object (SUCCEEDED, FAILED, CANCELED, etc.) to determine whether to fulfill the order or handle the failure.

Before you go live​

Additional information​

Transaction limits​

The default maximum amount per card transaction is 4,000 EUR. In some cases, this limit can be increased after review, depending on your business type and risk level. Contact our Support Team to create a request to adjust it for your account.

Refunds​

Businesses can issue refunds directly through the MONEI Dashboard within 180 days of the transaction date.

Common questions​

Which cards does MONEI support?​

MONEI supports both national and international cards issued by Visa, Mastercard, JCB, Diners Club International, Discover, and Union Pay. See Supported cards for details.

What happens after I enable card payments?​

Once card payments are configured, all supported card brands are activated and every card transaction appears in your MONEI Dashboard → Payments. To integrate MONEI into your e-commerce website, follow the Integration steps above or use the Hosted Payment Page.