# Getting Started

Accept NFC payments from your own merchant app using the MONEI Pay SDKs.

## How It Works[​](#how-it-works "Direct link to How It Works")

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1. Your **backend** generates a POS auth token using your MONEI API key
2. Your **merchant app** receives the token via your own API
3. The app calls `acceptPayment()` with the token and amount
4. The SDK opens MONEI Pay (or CloudCommerce on Android) for NFC tap-to-pay
5. The payment result is returned to your app

iOS Beta

MONEI Pay for iOS is in beta. Join via TestFlight: <https://testflight.apple.com/join/kZU2j445>

### Download MONEI Pay[​](#download-monei-pay "Direct link to Download MONEI Pay")

[![Download MONEI Pay on the App Store](/img/app-store-icon.svg)](https://apps.apple.com/app/monei-pay/id6478438783)[![Get MONEI Pay on Google Play](/img/google-play-icon.svg)](https://play.google.com/store/apps/details?id=com.monei.pay)

## Step 1: Get Your API Key[​](#step-1-get-your-api-key "Direct link to Step 1: Get Your API Key")

1. Sign up at [dashboard.monei.com](https://dashboard.monei.com/register)
2. Go to **Settings → API Keys**
3. Use the **test** key for development, **live** key for production

## Step 2: Generate a POS Auth Token[​](#step-2-generate-a-pos-auth-token "Direct link to Step 2: Generate a POS Auth Token")

Your backend calls the MONEI API to create a token for each payment session. The token is valid for **24 hours** — you can reuse it for multiple transactions within that window. Never expose your API key in the merchant app. See the full [Create POS Auth Token](https://docs.monei.com/apis/rest/pos-auth-token-create/.md) API reference.

* cURL
* Node.js
* Python
* PHP

```
curl -X POST https://api.monei.com/v1/pos/auth-token \

  -H "Authorization: YOUR_API_KEY" \

  -H "Content-Type: application/json" \

  -d '{}'

# Optional: include pointOfSaleId to associate payments with a specific terminal

# -d '{"pointOfSaleId": "pos_abc123"}'
```

server.js

```
import {Monei} from '@monei-js/node-sdk';



const monei = new Monei('YOUR_API_KEY');



const {token} = await monei.posAuthToken.create({

  // pointOfSaleId: 'pos_abc123', // optional

  // storeId: 'store_xyz',        // optional

});

// Send `token` to your merchant app
```

server.py

```
import Monei



monei = Monei.MoneiClient(api_key="YOUR_API_KEY")



result = monei.pos_auth_token.create(

    # point_of_sale_id="pos_abc123",  # optional

    # store_id="store_xyz",           # optional

)

token = result.token

# Send `token` to your merchant app
```

server.php

```
<?php

require_once 'vendor/autoload.php';



use Monei\Model\CreatePosAuthTokenRequest;

use Monei\MoneiClient;



$monei = new MoneiClient('YOUR_API_KEY');



$result = $monei->posAuthToken->create(

  new CreatePosAuthTokenRequest([

    // 'point_of_sale_id' => 'pos_abc123', // optional

    // 'store_id' => 'store_xyz',          // optional

  ])

);

$token = $result->getToken();

// Send $token to your merchant app

?>
```

### Request Parameters[​](#request-parameters "Direct link to Request Parameters")

| Parameter       | Type   | Required | Description                                                                                           |
| --------------- | ------ | -------- | ----------------------------------------------------------------------------------------------------- |
| `pointOfSaleId` | String | No       | A unique identifier of the Point of Sale. If specified the payment is attached to this Point of Sale. |
| `storeId`       | String | No       | A unique identifier of the Store. If specified the payment is attached to this Store.                 |

### Response[​](#response "Direct link to Response")

```
{

  "token": "eyJhbGciOiJSUzI1NiIs..."

}
```

The token is a JWT (RS256-signed) containing the account ID and merchant metadata. It expires after **24 hours**. Generate one per session — you don't need a new token for each transaction.

## Step 3: Integrate Your App[​](#step-3-integrate-your-app "Direct link to Step 3: Integrate Your App")

Install the SDK, configure your project, call `acceptPayment()` with the token from Step 2, and handle results. Each guide covers installation, platform setup, SDK reference, example app, and troubleshooting.

* **[iOS](https://docs.monei.com/monei-pay/app-integration/ios/.md)** — Swift SDK via SPM or CocoaPods
* **[Android](https://docs.monei.com/monei-pay/app-integration/android/.md)** — Kotlin SDK via GitHub Packages or JitPack, Direct vs Via MONEI Pay modes
* **[React Native](https://docs.monei.com/monei-pay/app-integration/react-native/.md)** — Expo module, cross-platform with one API

## Verify Payments Server-Side[​](#verify-payments-server-side "Direct link to Verify Payments Server-Side")

The SDK returns a `PaymentResult` to your app, but you should **always verify the payment from your backend** before fulfilling an order. This prevents client-side tampering.

Use the [Get Payment](https://docs.monei.com/apis/rest/payments-get/.md) endpoint with the `transactionId` returned in the result:

```
curl https://api.monei.com/v1/payments/{transactionId} \

  -H "Authorization: YOUR_API_KEY"
```

Alternatively, configure a `callbackUrl` when creating payments to receive asynchronous webhook notifications. See [Verify signature](https://docs.monei.com/guides/verify-signature/.md) for details on validating webhook payloads.

## Common Issues[​](#common-issues "Direct link to Common Issues")

| Problem                                                | Cause                                                                | Solution                                                                                                               |
| ------------------------------------------------------ | -------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------- |
| SDK returns "app not found"                            | MONEI Pay (or CloudCommerce on Android Direct mode) is not installed | Install the required app on the device                                                                                 |
| Token rejected / 401                                   | Token expired (>24h) or wrong API key environment                    | Generate a fresh token; ensure test key for test mode, live key for production                                         |
| NFC not working                                        | NFC disabled or device unsupported                                   | Check device settings; see [MONEI Pay overview](https://docs.monei.com/monei-pay/overview/.md) for device requirements |
| Payment succeeds on device but backend shows no record | Missing server-side verification                                     | Always verify via API or webhooks (see above)                                                                          |

## Next Steps[​](#next-steps "Direct link to Next Steps")

* [MONEI Pay overview](https://docs.monei.com/monei-pay/overview/.md) — product features and device requirements
* [MONEI REST API](https://docs.monei.com/apis/rest/.md) — full API reference
* [Testing](https://docs.monei.com/testing/.md) — test cards and sandbox environment
* [Verify signature](https://docs.monei.com/guides/verify-signature/.md) — validate webhook payloads