Payouts and settlements
This page explains when you get paid, how the settlement period is calculated, how to download the operations file for a payout, and how to change your .
When will I get paid?
MONEI sends the money from your sales to the IBAN linked to your MONEI account. Each bank transfer is a payout.
How long you wait to be paid for a sale is your settlement period. By default, it's 7 days (): you're paid for a sale no later than 7 days after it, or on the next bank working day if that day is a weekend or a public holiday. Most payouts include several days of sales — see How the settlement period is calculated. As your account builds a low-risk track record, MONEI can shorten it, down to the next day (D+1).
Your settlement period depends on:
- The risk level of your business
- Sales volume
- How long you've been a MONEI user
Many merchants ask for D+1 payouts right after approval. A shorter settlement period is earned, not requested: you can't select it at sign-up, and MONEI can't grant it on request. MONEI assigns it automatically based on the factors above and shortens it as your account builds a positive track record.
MONEI makes payouts on bank working days only, so there are no transfers at weekends or on public holidays. If a payout date falls on a Saturday or Sunday, the payout is made on the next Monday, and it also includes the sales from that weekend. If it falls on a public holiday, the payout is made on the next bank working day. This applies to all payouts.
In-person card payments
Card payments you take in person, for example with MONEI Pay, are always paid the next day (D+1). This is the same for every account:
- There's no 30-day wait for the first payout.
- MONEI doesn't hold a rolling reserve on them.
- They arrive in their own payout, separate from your online sales.
Your first payout
A new account waits longer for its first payout: 30 days after your first sale. During this time, MONEI completes the verification and risk assessment of your account.
The wait applies to all your sales from those 30 days, not only the first one. MONEI pays nothing for them before day 30. On day 30, you're paid for everything you sold up to the day before. After that, your sales are paid on your normal settlement period.
For example, with the default 7-day settlement period:
| You make a sale on | You're paid on |
|---|---|
| June 1 (first sale) | July 1, in your first payout |
| June 12 | July 1, in your first payout |
| June 29 | July 1, in your first payout |
| July 1 | July 8, in your next payout |
If day 30 falls on a weekend or a public holiday, the first payout is made on the next bank working day.
Sales from the day of a payout go into the next payout. Sometimes sales from the one or two days before a payout do too.
Each payment method and each store is paid in its own payouts. If you start using a new payment method near the end of the 30 days, its sales are paid on day 30 or on their normal payout date, whichever is later.
The 30-day wait applies only to online payments. In-person card payments are paid the next day from your first sale — see In-person card payments.
How the settlement period is calculated
A payout doesn't pay your sales one by one. It collects them, and pays them together:
- Your next sale starts a new payout. The payout date is the day of that sale plus your settlement period.
- Every sale you make before the payout date goes into the same payout.
- On the payout date, MONEI pays everything in it. Your next sale starts a new payout.
So with D+7, you usually receive one payout a week, with about a week of sales in it. With D+1, you usually receive one payout each bank working day.
Each payment method and each store has its own payouts. So on one day, you can receive several payouts.
MONEI counts days in UTC, from 00:00:00 to 23:59:59 UTC, whatever your local time zone. Peninsular Spain is one hour ahead of UTC in winter (CET) and two hours ahead in summer (CEST). So in Spanish time, a new day starts at 01:00 (winter) or 02:00 (summer), not at midnight. A sale made between midnight and that time counts as a sale of the previous day.
When you a payout against your own records, group your transactions by UTC day. Or export your payments in the UTC time zone, which matches the payout dates exactly.
Understanding your pending balance
Your pending settlement balance in the dashboard is updated once a day. It's a daily snapshot, not a live, real-time total.
This means the figure you see during the day does not yet include the current day's transactions — those are added at the next daily update, before your payout goes out. As a result, the amount that's actually settled can be higher than the you saw earlier (more payments are still being added) — or lower, if refunds are processed against it. The pending balance is not definitive until the payout is completed; that final figure is the amount that reaches your account.
Rolling reserve
A is a portion of each settlement that MONEI holds back temporarily as a buffer against future refunds and chargebacks. It protects you and MONEI when a payment is or reversed after you've already been paid out.
Here's how it works:
- When a settlement is processed, MONEI withholds a percentage of that period's balance as the reserve — 10% by default, adjusted to your business risk profile.
- At the same time, the reserve held from your previous settlement is released and added back into your current payout.
- Because every settlement releases the prior reserve while holding a new one, you always have roughly one settlement period's worth of funds in reserve — the balance "rolls" forward from one period to the next.
Lower-risk accounts may have a smaller reserve — or none at all. As you build a consistent, low-risk transaction history, your reserve percentage can be lowered or removed entirely.
Each payout's reserved and released amounts are in its Preview, which you open from the payout's actions menu under Settings → Payouts.
View your payout history
To view payouts in your dashboard, go to Settings → Payouts.
You can expect the bank transfer for each payout to take place after the Completion date.
Using your own acquirer
If you use payments orchestration with your own , that bank settles payments to you directly, on its own schedule and terms. The settlement times, rolling reserve, pending balance, and payout history above are specific to MONEI built-in acquiring and don't apply — check timing and terms with your acquirer.
Fees
Each payout is charged a €0.20 fee (VAT-exempt). For current rates, see Pricing.
Download your payout operations file
Every completed payout has a downloadable — a line-by-line breakdown of the payments, refunds, and related adjustments settled in that payout. It's the file to use when you reconcile a payout against your own records or accounting.
To download it:
-
Find the payout you want, then open its actions menu (the ⋯ button).
-
Click Download operations file.
Download operations file is in the menu only while the payout's status is Completed; a payout that is still pending offers Preview alone. Preview opens the payout's breakdown, which holds the same download button.
If you'd rather receive settlement files automatically on a schedule, see SFTP reports.
Change your IBAN
If you'd like to settle money into a different IBAN, please contact support and someone from the team will help you.
Common questions
Can I keep a balance in my MONEI account?
No. MONEI is not a wallet or a bank account, and your sales never sit as a spendable balance. Every settlement leaves on its schedule, minus the rolling reserve, and goes to the IBAN on your account. The one exception is the prefunded balance for payouts to customers, which is money you send in for that gated feature and can only spend on payouts.
Does my first payout include only my first sale?
No. MONEI pays nothing before your first payout, 30 days after your first sale. On that day, you're paid for every sale from those 30 days. See Your first payout.
Does MONEI hold on to my money?
No. Funds move out on your settlement period. The only amount held back is the rolling reserve, and each settlement releases the previous one as it holds a new one.
Can I be settled in a stablecoin?
No. Settlements reach the bank account on your MONEI account, in ordinary currency. Payouts to customers are ordinary currency too, sent to a card or a Bizum phone number. EURM is not a settlement option.