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 Monday if that day is a Saturday or Sunday. 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 weekdays only, so there are no transfers at weekends. 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. 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 Saturday or Sunday, the first payout is made on the next Monday.

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:

1. Your next sale starts a new payout. The payout date is the day of that sale plus your settlement period.
2. Every sale you make before the payout date goes into the same payout.
3. 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 weekday.

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. The new reserve is a percentage of this total, so part of the released amount is held again.
• 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.

For example, with a 10% reserve: a period has €900 of sales after fees, and the previous payout held €100. The total is €1,000. MONEI holds €100 as the new reserve and pays €900.

Each payment method has its own reserve

Each payout holds and releases its own reserve. Cards, Bizum, and MB WAY with Multibanco (one payout, shown as Alternative payment methods) each have separate payouts. Each store with its own payouts also has its own reserve.

A reserve held from a card payout is released only into your next card payout, never into a Bizum payout. In-person card payments have no reserve.

When the reserve is released

The reserve is released in the next payout of the same payment method, on that payout's Completion date. MONEI schedules that payout one settlement period after the payout that held the reserve: with D+7, usually 7 days later.

There's no maximum holding period. A reserve is released only when that next payout completes, and a payout completes only when it has more sales than refunds, chargebacks, and fees. The released reserve doesn't count towards this.

If a payment method has no new sales

If a payment method has no new sales in a period, its next payout holds only the released reserve and the payout fee. Its amount is negative, so it doesn't complete on its Completion date:

1. The Completion date moves one settlement period later, and the reserve stays held.
2. If the amount is still negative on the new Completion date, the payout shows the status Suspended and moves one settlement period again. This status applies to that payout only, not to your account.
3. New sales of that payment method go into this payout. On its next Completion date, the payout completes. It pays the new sales and the released reserve, minus the new reserve.

The same happens to a payout whose refunds and chargebacks are more than its sales.

If you've stopped using a payment method and a reserve is still held for it, contact support.

When the Completion date can move

The Completion date in your payout history is the planned date. It can move later when:

• It falls on a Saturday or Sunday. It moves to the next Monday.
• The payout's amount, without the released reserve, is zero or negative. It moves one settlement period later, as described in If a payment method has no new sales.
• Your account isn't active, for example while it's under review or suspended. It moves to the next day, until your account is active again.
• Your payouts are suspended. It moves one settlement period at a time, until the suspension is lifted.
• MONEI doesn't have the bank account or legal name it needs for the transfer. It moves to the next day, until the details are complete.
• It's an MB WAY and Multibanco payout. It's never paid before MONEI receives the funds from the payment processor, so it can move later by up to a week.

View your payout history

To view payouts in your dashboard, go to Settings → Payouts.

Payouts page in the MONEI Dashboard settings, with your bank account and your payout schedule

note

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:

1. Go to MONEI Dashboard → Settings → Payouts.

2. Find the payout you want, then open its actions menu (the ⋯ button).

   Actions menu of a completed payout in the MONEI Dashboard, open over the payouts history with Preview above Download operations file

3. 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.

When will my rolling reserve be released?

In the next payout of the same payment method, on its Completion date: usually one settlement period later. If that payment method has no new sales, the reserve waits for them. See When the reserve is released.

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.