MONEI Pay
MONEI Pay is available as a mobile app (iOS and Android) and a web app that works in any browser and can be installed to your home screen. The mobile app supports NFC tap-to-pay and QR code payments. The web app supports QR code payments only (no NFC).
Features
- NFC Tap-to-Pay — Accept cards and by tapping against your phone (mobile only)
- QR Code Payments — Generate one-time or permanent QR codes for customers to scan and pay (learn more)
- Web App — Accept QR code payments from any browser at pay.monei.com — can be installed to your home screen, no app store needed
- App-to-App Integration — Trigger payments from your own merchant app using native SDKs (see below)
- Multi-store Support — Manage multiple under one MONEI account
Download
Or use the web app at pay.monei.com — works in any browser and can be installed to your home screen.
Supported Platforms
| Platform | NFC Tap-to-Pay | QR Payments | Requirements |
|---|---|---|---|
| iOS | Yes | Yes | iPhone XS or later, iOS 17.4+ |
| Android | Yes | Yes | Android 8.0+ (API 26), NFC-capable device |
| Web | No | Yes | Any modern browser |
Tap to Pay transactions
This table applies to Tap to Pay in the MONEI Pay app and in the in-app Tap to Pay SDK.
| Transaction | Supported | Details |
|---|---|---|
| Sale | Yes | The card is charged at once for the amount you enter. |
| Pre-authorization (authorize now, capture later) | No | Every Tap to Pay payment is a sale. |
| Capture | No | There is no pre-authorization to capture. |
| Cancel (void) an authorization | No | There is no pre-authorization to cancel. To give the money back, refund the payment. |
| Full refund | Yes | From the app, the MONEI Dashboard or the API, up to 180 days after the payment. |
| Partial refund | Yes | Refund part of the amount. You can refund more than once, up to the payment amount. |
| Offline payments | No | The device must be online. The card issuer approves or declines each payment while the customer waits. |
| Tips | No | There is no separate tip amount. Include the tip in the amount you enter. |
| PIN | Yes | When the card asks for a PIN, the customer enters it on your device. |
| Card brands | Visa, Mastercard | A card of another brand, for example American Express, is declined. |
| Currency | EUR | All Tap to Pay payments are in euros. |
Pricing
Tap to Pay is free: no terminal or extra hardware, it uses your phone. In-person card payments, Tap to Pay included, have a MONEI fee of 0.25% with no fixed fee, plus (scheme fees + 0.10%), deducted at settlement. They're paid the next day, with no rolling reserve.
For all rates, the daily platform fee, and volume discounts, see In-person payments pricing.
App-to-App Integration
Launch MONEI Pay from your own merchant app to accept NFC payments and receive results back. Your backend generates a short-lived ; the SDKs handle the rest. No special entitlements or platform approvals required.
Get started with the MONEI Pay SDKs — backend setup, SDK installation, and platform-specific guides.
To accept Tap to Pay on iPhone inside your own iOS app, without the MONEI Pay app, use the in-app Tap to Pay SDK.
Before you begin
- Create a MONEI account.
- Install MONEI Pay on the device that will accept payments.
- Sign in with your MONEI account credentials.