# Payments glossary Payments come with a lot of jargon. Here are plain-language definitions of the terms you'll come across in MONEI, with a link to learn more about each one. ### 3D Secure / SCA An extra authentication step for card payments (Strong Customer Authentication under PSD2) that helps reduce fraud and shifts chargeback liability for fraudulent transactions. [Learn more](https://docs.monei.com/fraud-prevention/3d-secure/.md) [ →](https://docs.monei.com/fraud-prevention/3d-secure/.md) ### Acquirer (acquiring bank) The bank that holds your merchant account and receives the funds from card payments. For most MONEI merchants, MONEI handles acquiring for you. [Learn more](https://docs.monei.com/onboarding/connect-redsys-tpv-virtual/.md) [ →](https://docs.monei.com/onboarding/connect-redsys-tpv-virtual/.md) ### API key The secret credential that authenticates your server with the MONEI API. You have separate test-mode and live-mode keys. [Learn more](https://docs.monei.com/testing/.md) [ →](https://docs.monei.com/testing/.md) ### Asynchronous payment A payment that isn’t completed at checkout. The customer gets a reference or request and pays later — at an ATM, in their banking app, or in a shop. The order isn’t confirmed until the funds actually arrive, which can take minutes to days. [Learn more](https://docs.monei.com/payment-methods/multibanco/.md) [ →](https://docs.monei.com/payment-methods/multibanco/.md) ### Authorization Reserving the funds for a payment without taking them yet. You capture them later to complete the charge, or the hold is released. [Learn more](https://docs.monei.com/payments/capture/.md) [ →](https://docs.monei.com/payments/capture/.md) ### BACS The UK’s main bank-to-bank scheme for transfers and direct debits between UK accounts. Only relevant if you receive GBP settlements through a bank that uses the BACS network. [Learn more](https://docs.monei.com/payments/currencies/.md) [ →](https://docs.monei.com/payments/currencies/.md) ### BIN (card prefix) The first 6–8 digits of a card number (Bank Identification Number, also called IIN). They identify the issuing bank, card type, and country, and are used as a signal in fraud checks. [Learn more](https://docs.monei.com/fraud-prevention/fraud-detector-how-it-works-configuration-and-best-practices/.md) [ →](https://docs.monei.com/fraud-prevention/fraud-detector-how-it-works-configuration-and-best-practices/.md) ### Bizum online MONEI's online Bizum: the customer enters their phone number and confirms the payment in their banking app. Your hosted payment page, the Bizum button, and payment links or QR codes all use this single online method. [Learn more](https://docs.monei.com/payment-methods/bizum/.md) [ →](https://docs.monei.com/payment-methods/bizum/.md) ### Bizum Pay Bizum's in-store payment: at the counter the customer taps their phone on the shop's card terminal (contactless NFC), the same gesture as paying with a contactless card. A separate method from online Bizum. [Learn more](https://docs.monei.com/manage-account/monei-fees/.md) [ →](https://docs.monei.com/manage-account/monei-fees/.md) ### Blacklist A list of customers, cards, emails, or IPs you block from paying, to stop repeat fraud or abuse. [Learn more](https://docs.monei.com/fraud-prevention/blacklist/.md) [ →](https://docs.monei.com/fraud-prevention/blacklist/.md) ### Buy Now, Pay Later (BNPL) A payment method that lets customers receive goods now and pay later or in instalments. The BNPL company pays you upfront and collects from the customer directly. [Learn more](https://docs.monei.com/payment-methods/overview/.md) [ →](https://docs.monei.com/payment-methods/overview/.md) ### Capture Taking the funds from a previously authorized payment to complete the charge. [Learn more](https://docs.monei.com/payments/capture/.md) [ →](https://docs.monei.com/payments/capture/.md) ### Card brand / network The card scheme that runs the rails, such as Visa or Mastercard. MONEI accepts all the major brands. [Learn more](https://docs.monei.com/payment-methods/card/.md) [ →](https://docs.monei.com/payment-methods/card/.md) ### Card-not-present (CNP) A payment where the physical card isn’t shown to the merchant — an online or phone order. These carry higher fraud risk than in-person payments, which is why a virtual POS (TPV Virtual) is required in Spain. [Learn more](https://docs.monei.com/onboarding/connect-redsys-tpv-virtual/.md) [ →](https://docs.monei.com/onboarding/connect-redsys-tpv-virtual/.md) ### Cardholder The person who owns the card and is making the payment — your customer. [Learn more](https://docs.monei.com/troubleshoot/declined-charges/.md) [ →](https://docs.monei.com/troubleshoot/declined-charges/.md) ### Channel manager Software hotels use to manage room availability and rates across booking sites like Booking.com or Expedia from one place. It also holds guests’ card details; MONEI connects to it to tokenize those cards so the hotel can charge them later. [Learn more](https://docs.monei.com/hotels/overview/.md) [ →](https://docs.monei.com/hotels/overview/.md) ### Chargeback When a cardholder disputes a charge with their bank and the bank reverses it, returning the funds to the customer. A chargeback fee may apply. [Learn more](https://docs.monei.com/fraud-prevention/chargebacks/.md) [ →](https://docs.monei.com/fraud-prevention/chargebacks/.md) ### Click to Pay A faster online checkout backed by Visa, Mastercard, and Discover. Customers save their cards once and pay across participating sites without re-entering card numbers. [Learn more](https://docs.monei.com/payment-methods/click-to-pay/.md) [ →](https://docs.monei.com/payment-methods/click-to-pay/.md) ### Credential on file (COF) A payment method (such as a saved card) the customer has agreed you can store and charge again later. Card networks require a reference from the first authorized payment to be sent with each later charge. [Learn more](https://docs.monei.com/guides/save-payment-method/.md) [ →](https://docs.monei.com/guides/save-payment-method/.md) ### Currency / multi-currency The currency a payment is charged in. MONEI can present prices and charge in several currencies depending on your configuration. [Learn more](https://docs.monei.com/payments/currencies/.md) [ →](https://docs.monei.com/payments/currencies/.md) ### Customer- vs merchant-initiated (CIT / MIT) A customer-initiated payment happens while the customer is present (they may complete 3D Secure). A merchant-initiated (off-session) payment is one you charge when they’re not present, such as recurring billing. [Learn more](https://docs.monei.com/guides/save-payment-method/.md) [ →](https://docs.monei.com/guides/save-payment-method/.md) ### CVC / CVV The short security code printed on a card (usually 3 digits) used to verify the cardholder has the physical card. [Learn more](https://docs.monei.com/payment-methods/card/.md) [ →](https://docs.monei.com/payment-methods/card/.md) ### Digital wallet An app or service that stores a customer’s cards for quick, secure checkout — such as Apple Pay, Google Pay, or Click to Pay. [Learn more](https://docs.monei.com/payment-methods/overview/.md) [ →](https://docs.monei.com/payment-methods/overview/.md) ### Dispute Another word for a chargeback — a customer formally contests a payment through their bank. [Learn more](https://docs.monei.com/fraud-prevention/chargebacks/.md) [ →](https://docs.monei.com/fraud-prevention/chargebacks/.md) ### Dynamic pricing MONEI’s progressive pricing for e-commerce: your per-transaction fee decreases as your monthly sales volume grows. [Learn more](https://docs.monei.com/manage-account/monei-fees/.md) [ →](https://docs.monei.com/manage-account/monei-fees/.md) ### EURM A euro stablecoin developed by MONEI that keeps a 1:1 value with the euro for digital payments. (Preliminary — details may change.) [Learn more](https://docs.monei.com/eurm-stablecoin/.md) [ →](https://docs.monei.com/eurm-stablecoin/.md) ### Express checkout One-tap wallet buttons (Apple Pay, Google Pay) shown high in the flow so returning customers can pay instantly. [Learn more](https://docs.monei.com/integrations/express-checkout/.md) [ →](https://docs.monei.com/integrations/express-checkout/.md) ### Failed-payment retries (dunning) Automatically retrying a recurring payment that failed, before pausing or cancelling the subscription, to recover revenue. [Learn more](https://docs.monei.com/subscriptions/handle-failed-payments/.md) [ →](https://docs.monei.com/subscriptions/handle-failed-payments/.md) ### False positive A legitimate payment that a fraud system wrongly flags and blocks. Lowering your Fraud Detector threshold to catch more fraud also raises the chance of false positives — real orders declined by mistake. [Learn more](https://docs.monei.com/fraud-prevention/fraud-detector-how-it-works-configuration-and-best-practices/.md) [ →](https://docs.monei.com/fraud-prevention/fraud-detector-how-it-works-configuration-and-best-practices/.md) ### Fraud Detector MONEI’s risk engine that scores card payments and can automatically block high-risk transactions based on your settings. [Learn more](https://docs.monei.com/fraud-prevention/fraud-detector-how-it-works-configuration-and-best-practices/.md) [ →](https://docs.monei.com/fraud-prevention/fraud-detector-how-it-works-configuration-and-best-practices/.md) ### Gross payment volume (GPV) The total value of all payments processed through your account before deductions like refunds or fees. Some volume-based fees are calculated as a percentage of GPV. [Learn more](https://docs.monei.com/manage-account/monei-fees/.md) [ →](https://docs.monei.com/manage-account/monei-fees/.md) ### HMAC (signature) Hash-based Message Authentication Code — a way to prove a message came from someone holding a shared secret. MONEI signs every webhook with an HMAC so your server can verify it’s genuine before trusting it. [Learn more](https://docs.monei.com/guides/verify-signature/.md) [ →](https://docs.monei.com/guides/verify-signature/.md) ### Hosted Payment Page A ready-made, MONEI-hosted checkout page you redirect customers to — the quickest way to accept payments with no UI to build. [Learn more](https://docs.monei.com/integrations/use-prebuilt-payment-page/.md) [ →](https://docs.monei.com/integrations/use-prebuilt-payment-page/.md) ### HTTP header A key-value field sent alongside an HTTP request or response carrying metadata such as authentication or content type. MONEI signs each webhook with the MONEI-Signature header. [Learn more](https://docs.monei.com/guides/verify-signature/.md) [ →](https://docs.monei.com/guides/verify-signature/.md) ### IBAN The international bank account number MONEI settles your payouts into. You can change it by contacting support. [Learn more](https://docs.monei.com/manage-account/payouts-and-settlements/.md) [ →](https://docs.monei.com/manage-account/payouts-and-settlements/.md) ### Interchange A regulated fee built into every card payment, set by companies like Visa and Mastercard and passed to you at cost — not set by MONEI. [Learn more](https://docs.monei.com/manage-account/monei-fees/.md) [ →](https://docs.monei.com/manage-account/monei-fees/.md) ### Issuer (issuing bank) Your customer’s bank — the one that issued their card and decides whether to approve or decline each payment. [Learn more](https://docs.monei.com/troubleshoot/declined-charges/.md) [ →](https://docs.monei.com/troubleshoot/declined-charges/.md) ### KYC (Know Your Customer) The mandatory checks MONEI runs to verify your business and identity before activating your account, required by financial regulation. [Learn more](https://docs.monei.com/onboarding/verification/.md) [ →](https://docs.monei.com/onboarding/verification/.md) ### Merchant category code (MCC) A four-digit code that companies like Visa and Mastercard assign to classify what your business sells (for example, restaurants or retail). It helps determine the interchange rate applied to your card transactions. [Learn more](https://docs.monei.com/manage-account/monei-fees/.md) [ →](https://docs.monei.com/manage-account/monei-fees/.md) ### Minor currency unit (cents) API amounts are expressed in the smallest unit of the currency — cents for EUR and USD. So 110 means €1.10, not €110. This avoids rounding errors and is the standard for payment APIs. [Learn more](https://docs.monei.com/apis/rest/payments-create/.md) [ →](https://docs.monei.com/apis/rest/payments-create/.md) ### MONEI Connect MONEI’s program for platforms and marketplaces to onboard merchants under their brand and operate their accounts via the API. [Learn more](https://docs.monei.com/monei-connect/.md) [ →](https://docs.monei.com/monei-connect/.md) ### MONEI Pay MONEI’s mobile app that turns a phone into a card terminal — accept QR and tap-to-pay (NFC) payments in person, no extra hardware. [Learn more](https://docs.monei.com/monei-pay/overview/.md) [ →](https://docs.monei.com/monei-pay/overview/.md) ### MONEI-Signature A header MONEI adds to every webhook so your server can verify the request genuinely came from MONEI before trusting it. [Learn more](https://docs.monei.com/guides/verify-signature/.md) [ →](https://docs.monei.com/guides/verify-signature/.md) ### NFC (tap to pay) The contactless technology that lets a customer pay by tapping their card or phone — used by MONEI Pay’s tap-to-pay. [Learn more](https://docs.monei.com/monei-pay/overview/.md) [ →](https://docs.monei.com/monei-pay/overview/.md) ### Operations file A downloadable breakdown of the payments, refunds, and adjustments settled in a single payout — used to reconcile against your records. [Learn more](https://docs.monei.com/manage-account/payouts-and-settlements/.md) [ →](https://docs.monei.com/manage-account/payouts-and-settlements/.md) ### PAN (full card number) Primary Account Number — the full card number (usually 16 digits). When migrating saved cards from another processor to MONEI, the PAN must be sent encrypted so it never travels in plain text. [Learn more](https://docs.monei.com/guides/migrate-tokens/.md) [ →](https://docs.monei.com/guides/migrate-tokens/.md) ### Pay by Link Create a payment link and send it by email, WhatsApp, or SMS — accept payments with no website or code. [Learn more](https://docs.monei.com/payments/pay-by-link/.md) [ →](https://docs.monei.com/payments/pay-by-link/.md) ### Payment Component (custom checkout) Embeddable card and payment-method fields (via monei.js) you place in your own checkout for full control over the design. [Learn more](https://docs.monei.com/integrations/build-custom-checkout/.md) [ →](https://docs.monei.com/integrations/build-custom-checkout/.md) ### Payment gateway The technology that securely passes a payment from your checkout to the processor for authorization. MONEI is your payment gateway. [Learn more](https://docs.monei.com/get-started/what-is-monei/.md) [ →](https://docs.monei.com/get-started/what-is-monei/.md) ### Payment method How the customer chooses to pay — card, Bizum, Apple Pay, Google Pay, PayPal, and so on. [Learn more](https://docs.monei.com/payment-methods/overview/.md) [ →](https://docs.monei.com/payment-methods/overview/.md) ### Payment modal A pop-up checkout that opens on top of your own page, so customers pay without leaving your site. [Learn more](https://docs.monei.com/integrations/use-payment-modal/.md) [ →](https://docs.monei.com/integrations/use-payment-modal/.md) ### Payment processor The bank or company that actually moves the money between your customer’s bank and yours. MONEI connects to several — its own acquiring, Redsys, Adyen, Stripe, and more — and can route payments between them. [Learn more](https://docs.monei.com/payments/orchestration/.md) [ →](https://docs.monei.com/payments/orchestration/.md) ### Payment service provider (PSP) A platform like MONEI that connects your business to many payment methods and processors through a single integration. [Learn more](https://docs.monei.com/get-started/what-is-monei/.md) [ →](https://docs.monei.com/get-started/what-is-monei/.md) ### Payment token A code that stands in for real card details. MONEI issues a one-time token (created in the browser by monei.js for a single payment) and a permanent token (returned after a successful payment so you can charge a saved card again). [Learn more](https://docs.monei.com/guides/save-payment-method/.md) [ →](https://docs.monei.com/guides/save-payment-method/.md) ### Payments orchestration Rules that decide, per transaction, which processor handles the payment, which payment methods the customer sees, and whether to accept it. [Learn more](https://docs.monei.com/payments/orchestration/.md) [ →](https://docs.monei.com/payments/orchestration/.md) ### Payout (settlement to you) The bank transfer MONEI makes to your account from your collected sales. Not to be confused with a payout you send to a customer. [Learn more](https://docs.monei.com/manage-account/payouts-and-settlements/.md) [ →](https://docs.monei.com/manage-account/payouts-and-settlements/.md) ### Payout to a customer Sending money from your MONEI balance to a customer (with Bizum or card) — the reverse of a normal payment. A gated feature that needs a prefunded balance. [Learn more](https://docs.monei.com/payments/payouts-to-customers/.md) [ →](https://docs.monei.com/payments/payouts-to-customers/.md) ### PCI DSS The card-industry security standard for handling card data. Using MONEI’s hosted or component fields keeps card data off your servers. [Learn more](https://docs.monei.com/get-started/what-is-monei/.md) [ →](https://docs.monei.com/get-started/what-is-monei/.md) ### Pending balance The funds collected but not yet paid out to your bank account. Your dashboard updates this figure once a day. [Learn more](https://docs.monei.com/manage-account/payouts-and-settlements/.md) [ →](https://docs.monei.com/manage-account/payouts-and-settlements/.md) ### Point of sale (POS) A specific checkout within a store — a register, a table, or a QR code — that you can attach to payments to group and report on them. [Learn more](https://docs.monei.com/guides/managing-stores/.md) [ →](https://docs.monei.com/guides/managing-stores/.md) ### POS auth token A short-lived credential (valid 24 hours) your server creates via the API and passes to the MONEI Pay SDK in your own app. It lets the app accept in-person card payments for a specific account without embedding your permanent API key. [Learn more](https://docs.monei.com/monei-pay/app-integration/getting-started/.md) [ →](https://docs.monei.com/monei-pay/app-integration/getting-started/.md) ### Pre-authorization (authorize & capture) A two-step payment: first the funds are authorized (reserved on the card without being taken), then captured later to complete the charge. You can capture the full amount, a partial amount, or let the hold expire and release automatically. [Learn more](https://docs.monei.com/payments/capture/.md) [ →](https://docs.monei.com/payments/capture/.md) ### Property management system (PMS) A hotel’s core software for managing reservations, check-in and check-out, billing, and rooms. In the MONEI hotels integration, your PMS is the backend that calls the API to charge tokenized guest cards. [Learn more](https://docs.monei.com/hotels/overview/.md) [ →](https://docs.monei.com/hotels/overview/.md) ### PSD2 The EU payments directive that requires Strong Customer Authentication (such as 3D Secure) for most online card payments. [Learn more](https://docs.monei.com/fraud-prevention/3d-secure/.md) [ →](https://docs.monei.com/fraud-prevention/3d-secure/.md) ### QR payment A QR code the customer scans to open a payment page and pay from their phone — useful in-store and at the table. [Learn more](https://docs.monei.com/integrations/use-qr-payments/.md) [ →](https://docs.monei.com/integrations/use-qr-payments/.md) ### Reconciliation Comparing your MONEI payout records against your own sales or accounting records to confirm every transaction is accounted for and the totals match. The operations file and SFTP reports are built for this. [Learn more](https://docs.monei.com/manage-account/payouts-and-settlements/.md) [ →](https://docs.monei.com/manage-account/payouts-and-settlements/.md) ### Recurring payment A payment charged automatically on a schedule using a saved payment method — the basis of subscriptions and installments. [Learn more](https://docs.monei.com/subscriptions/overview/.md) [ →](https://docs.monei.com/subscriptions/overview/.md) ### Refund Returning all or part of a completed payment back to the customer. [Learn more](https://docs.monei.com/payments/refunds/.md) [ →](https://docs.monei.com/payments/refunds/.md) ### Rolling reserve A portion of each settlement MONEI holds back temporarily as a buffer against future refunds and chargebacks, then releases on the next settlement. [Learn more](https://docs.monei.com/manage-account/payouts-and-settlements/.md) [ →](https://docs.monei.com/manage-account/payouts-and-settlements/.md) ### SEPA / SEPA Request to Pay The euro-area bank-transfer scheme. SEPA Request to Pay (SRTP) lets you request an instant, irrevocable transfer the customer approves in their banking app. [Learn more](https://docs.monei.com/payment-methods/sepa-request-to-pay/.md) [ →](https://docs.monei.com/payment-methods/sepa-request-to-pay/.md) ### Settlement Grouping a period’s successful payments so the funds can be paid out to your bank account. Settlement periods are calculated in UTC. [Learn more](https://docs.monei.com/manage-account/payouts-and-settlements/.md) [ →](https://docs.monei.com/manage-account/payouts-and-settlements/.md) ### Smart contract A program stored on a blockchain that runs automatically when set conditions are met, with no middleman. EURM uses smart contracts to issue tokens when euros are deposited and remove them when euros are withdrawn. [Learn more](https://docs.monei.com/eurm-stablecoin/.md) [ →](https://docs.monei.com/eurm-stablecoin/.md) ### Smart routing Automatically re-sending a payment to a different bank or card processor when the first one declines it — in milliseconds — to recover sales that would otherwise fail. Part of payments orchestration. [Learn more](https://docs.monei.com/payments/orchestration/.md) [ →](https://docs.monei.com/payments/orchestration/.md) ### SoftPOS Software Point of Sale — technology that turns an ordinary smartphone into a card terminal using the phone’s NFC chip, with no extra reader. MONEI Pay is a SoftPOS app. [Learn more](https://docs.monei.com/monei-pay/overview/.md) [ →](https://docs.monei.com/monei-pay/overview/.md) ### Stablecoin A type of cryptocurrency designed to hold a fixed value — for example, always equal to €1 — by being backed one-for-one with real money held in reserve, so its price doesn’t fluctuate like Bitcoin. [Learn more](https://docs.monei.com/eurm-stablecoin/.md) [ →](https://docs.monei.com/eurm-stablecoin/.md) ### Statement descriptor The short text that appears next to a charge on your customer’s card or bank statement. A clear, recognizable descriptor reduces chargebacks from customers who don’t recognize the purchase. [Learn more](https://docs.monei.com/manage-account/customization/.md) [ →](https://docs.monei.com/manage-account/customization/.md) ### Store A shop, brand, or business unit within your MONEI account, used to keep locations or businesses separate for reporting and access. [Learn more](https://docs.monei.com/guides/managing-stores/.md) [ →](https://docs.monei.com/guides/managing-stores/.md) ### Strong Customer Authentication (SCA) An EU rule (under PSD2) that requires customers to confirm their identity with at least two independent factors for most online payments. For cards this is handled by 3D Secure; for wallets like Apple Pay, by Face ID or a fingerprint. [Learn more](https://docs.monei.com/fraud-prevention/3d-secure/.md) [ →](https://docs.monei.com/fraud-prevention/3d-secure/.md) ### Sub-merchant (connected account) A merchant account created under and managed by a MONEI Connect partner’s account. The sub-merchant accepts payments through the partner’s integration while MONEI handles its verification and compliance. [Learn more](https://docs.monei.com/partners-connect/about/.md) [ →](https://docs.monei.com/partners-connect/about/.md) ### Subscription A recurring charge MONEI manages for you — it saves the payment method, runs the billing cycle, and retries failed payments. [Learn more](https://docs.monei.com/subscriptions/overview/.md) [ →](https://docs.monei.com/subscriptions/overview/.md) ### T+N settlement (T+1, T+7) How soon your money arrives, counted from the transaction date (T). T+1 means one day after the sale, T+7 means seven. MONEI settles at T+7 by default, dropping to T+1 for trusted merchants. [Learn more](https://docs.monei.com/manage-account/payouts-and-settlements/.md) [ →](https://docs.monei.com/manage-account/payouts-and-settlements/.md) ### Tap to Pay Accepting contactless cards and phone wallets by having the customer tap directly on your smartphone — no separate card reader. MONEI Pay uses Tap to Pay on iPhone and NFC on Android. [Learn more](https://docs.monei.com/monei-pay/overview/.md) [ →](https://docs.monei.com/monei-pay/overview/.md) ### Test mode / live mode Test mode lets you simulate payments with test cards and no real money; live mode processes real payments. Each has its own API keys. [Learn more](https://docs.monei.com/testing/.md) [ →](https://docs.monei.com/testing/.md) ### Tokenization (payment token) Replacing sensitive card data with a safe reference (a token) you can reuse to charge a saved payment method without handling the card details yourself. [Learn more](https://docs.monei.com/guides/save-payment-method/.md) [ →](https://docs.monei.com/guides/save-payment-method/.md) ### TPV Virtual (virtual POS) A virtual card terminal issued by an acquiring bank. You only need your own if you bring your own acquirer; otherwise MONEI provides acquiring for you. [Learn more](https://docs.monei.com/onboarding/connect-redsys-tpv-virtual/.md) [ →](https://docs.monei.com/onboarding/connect-redsys-tpv-virtual/.md) ### Trial period A free or reduced-price window at the start of a subscription before regular billing begins. [Learn more](https://docs.monei.com/subscriptions/overview/.md) [ →](https://docs.monei.com/subscriptions/overview/.md) ### Ultimate beneficial owner (UBO) Any individual who ultimately owns or controls more than 25% of a company. Payment regulations require MONEI to identify UBOs when verifying your account. [Learn more](https://docs.monei.com/onboarding/verification/.md) [ →](https://docs.monei.com/onboarding/verification/.md) ### Webhook An automatic HTTP notification MONEI sends to your server when something happens (a payment succeeds, a refund, a subscription event), so you don’t have to poll. [Learn more](https://docs.monei.com/guides/webhooks/.md) [ →](https://docs.monei.com/guides/webhooks/.md)