# Using the MONEI Pay app

[MONEI Pay](https://docs.monei.com/monei-pay/overview/.md) turns any smartphone into a payment terminal. Accept in-person payments with **Tap to Pay** (contactless cards and digital wallets on the phone itself), **[QR codes](https://monei.com/qr/)**, **[Bizum](https://docs.monei.com/payment-methods/bizum/.md)**, and **payment requests** — no extra POS hardware. For what MONEI Pay is and which devices it supports, see the [overview](https://docs.monei.com/monei-pay/overview/.md).

This page covers everything you do **in the app**. For app-to-app integration with native SDKs, see [Developer](https://docs.monei.com/monei-pay/app-integration/getting-started/.md).

## Getting started[​](#getting-started "Direct link to Getting started")

MONEI Pay runs on your existing MONEI account. Once your account is approved for online payments, in-person payments are enabled automatically — no separate signup.

1. [Sign up for MONEI](https://dashboard.monei.com/signup) and complete account setup and approval. New to MONEI? See [how to get started](https://docs.monei.com/get-started/get-started-with-monei/.md).
2. Install MONEI Pay on the device that will accept payments, or use the web app at [pay.monei.com](https://pay.monei.com/).
3. Sign in with your MONEI account credentials.

Once approved you can accept [Tap to Pay](#tap-to-pay), [QR code](#qr-payments), and [Bizum or payment-request](#payment-requests) payments right away.

## Download and sign in[​](#download "Direct link to Download and sign in")

Use the app from any device by going to [pay.monei.com](https://pay.monei.com/login) and signing in with your MONEI credentials. To install the mobile app:

[![Download MONEI Pay on the App Store](/img/app-store-icon.svg)](https://apps.apple.com/app/monei-pay/id1624647668)[![Get MONEI Pay on Google Play](/img/google-play-icon.svg)](https://play.google.com/store/apps/details?id=com.monei.moneibusiness)

The web app accepts QR and payment-request payments in any browser; Tap to Pay requires the mobile app.

## The home screen[​](#home "Direct link to The home screen")

After signing in you land on your store's home screen. At the top you see today's **gross volume** and **payment count**, followed by your most recent payments. Tap **Create payment** to take a new payment, **Show all payments** to view history, or the **gear icon** to open settings.

![MONEI Pay home screen showing today's volume and recent payments](/img/monei-pay/en/iphone-3.png)

## Create a payment[​](#create-payment "Direct link to Create a payment")

1. On the home screen, tap **Create payment**.

2. Enter the amount on the keypad. Optionally tap **Add info** to attach a note or customer details.

3. Choose how to collect the payment:

   <!-- -->

   * **Tap to Pay** — the customer taps their contactless card or phone ([details](#tap-to-pay)).
   * **QR code** — the customer scans a code to pay from their phone ([details](#qr-payments)).
   * **Bizum** — send the charge to the customer's phone number ([details](#payment-requests)).
   * **Request payment** — send a payment link via WhatsApp or SMS ([details](#payment-requests)).

![Create payment screen with amount keypad, Tap to Pay and Bizum](/img/monei-pay/en/iphone-5.png)

## Accept Tap to Pay[​](#tap-to-pay "Direct link to Accept Tap to Pay")

Tap to Pay accepts contactless cards, [Apple Pay](https://docs.monei.com/payment-methods/apple-pay/.md), [Google Pay](https://docs.monei.com/payment-methods/google-pay/.md), and other digital wallets directly on your phone — no card reader or dongle.

![Enable Tap to Pay screen in MONEI Pay](/img/monei-pay/en/iphone-1.png)

1. Create a payment and enter the amount.
2. Tap **Tap to Pay**.
3. The customer holds their card or phone near the top of your device until the payment confirms.

The first time you use it:

* **On iPhone**, MONEI Pay uses **Tap to Pay on iPhone**. Tap **Enable Tap to Pay** and accept Apple's terms of service once. Requires iPhone XS or later on iOS 17.4+.
* **On Android**, you may be prompted to install a free companion app that powers Tap to Pay in the background — just install it, no login or setup needed. Requires an NFC-capable device.

If your device doesn't support Tap to Pay, the option is hidden — use QR codes or payment requests instead.

## Accept QR code payments[​](#qr-payments "Direct link to Accept QR code payments")

With [MONEI QR](https://monei.com/qr/) you generate a digital QR code from your device that the customer scans to pay — no physical QR codes or POS hardware needed.

1. Tap **Create payment**, enter the amount, and choose **QR**.
2. Tap **Show QR Code** to display the code.
3. The customer scans it and pays from their phone.

![MONEI Pay digital QR code with amount and store name](/img/monei-pay/en/iphone-4.png)

You can also share the same payment as a [Pay By Link](https://docs.monei.com/payments/pay-by-link/.md) message: tap the **share** icon to copy the link and send it via WhatsApp, email, or SMS — useful when the customer isn't physically present.

## Bizum and payment requests[​](#payment-requests "Direct link to Bizum and payment requests")

Instead of having the customer scan a QR code or tap a card, send the charge straight to their phone:

1. Tap **Create payment**, enter the amount, and choose **Bizum** or **Request payment**.
2. Enter the customer's mobile phone number.
3. Tap **Request payment**.

![Request payment screen asking for the customer's phone number](/img/monei-pay/en/iphone-2.png)

If the number is registered with [Bizum](https://docs.monei.com/payment-methods/bizum/.md), the customer gets a notification to confirm the payment in their banking app. Otherwise they receive a payment link via WhatsApp (or SMS if WhatsApp is unavailable).

## Issue refunds[​](#refunds "Direct link to Issue refunds")

You can issue **full and partial refunds** in the app. Open MONEI Pay or sign in to [pay.monei.com](https://pay.monei.com/).

note

If you also use MONEI for e-commerce, those transactions appear in the app too. For e-commerce refunds, follow [these instructions](https://docs.monei.com/payments/refunds/.md) instead.

1. Tap **Show all payments** to see recent transactions.
2. Select the payment to refund.
3. Tap the **three dots** (top-right) and select **Refund payment**.
4. Tap **Refund** for the full amount, or enter a smaller amount for a **Partial Refund**.

![Refund screen with amount keypad and partial refund option](/img/monei-pay/en/iphone-7.png)

A confirmation appears once the refund is processed.

## Send digital receipts[​](#receipts "Direct link to Send digital receipts")

After a successful payment, open the payment and tap **Send Payment Receipt** to email the customer a receipt. Customers can also enter their email while paying to receive one automatically.

![Successful payment detail with Send Payment Receipt button](/img/monei-pay/en/iphone-6.png)

## Secure the app with a PIN[​](#app-lock "Direct link to Secure the app with a PIN")

Protect the app on shared or staff devices with a passcode and biometrics:

* Set a **4-digit PIN** to lock MONEI Pay.
* Unlock with **Face ID** or your device's biometrics instead of typing the PIN.
* After several incorrect attempts the app locks for security — open the [MONEI Dashboard](https://dashboard.monei.com/) if you're locked out.

## Configure payment methods[​](#payment-methods "Direct link to Configure payment methods")

Because you go through the regular [onboarding process](https://docs.monei.com/get-started/get-started-with-monei/.md), credit cards and digital wallets including [Apple Pay](https://docs.monei.com/payment-methods/apple-pay/.md) and [Google Pay](https://docs.monei.com/payment-methods/google-pay/.md) are enabled by default. To activate [Bizum](https://docs.monei.com/payment-methods/bizum/.md) or configure additional methods, see [how to configure payment methods](https://docs.monei.com/payments/configure-payment-methods/.md).

## Add users and multiple stores[​](#users "Direct link to Add users and multiple stores")

Equip your staff so they can accept payments from any location:

1. In your [main dashboard](https://dashboard.monei.com/), go to [Settings → Authorized users](https://dashboard.monei.com/settings/users).
2. Add users with read-and-write or admin access.
3. They can then sign in at [pay.monei.com](https://pay.monei.com/login) and create transactions on the go.

If you operate more than one location, register, or staff member, bind each user to a **store** or **point of sale** when you add them. Payments that user takes in MONEI Pay are then tagged automatically with that store and point of sale, so you can report on each one separately. See [Managing stores and points of sale](https://docs.monei.com/guides/managing-stores/.md) for how grouping, reporting, and per-store settlement work.

## Customize the appearance[​](#customize "Direct link to Customize the appearance")

Add your logo and brand colors to the app and QR payment codes — the same way you [customize your checkout page](https://docs.monei.com/manage-account/customization/.md).

Go to [Dashboard → Settings → Branding](https://dashboard.monei.com/settings/branding):

* The **logo** appears in the center of the QR payment code and as the payment-page icon.
* The **primary color** is used for the app and the payment page.

## Test your account[​](#test "Direct link to Test your account")

Sign in at [pay.monei.com](https://pay.monei.com/login) or in the app, then run a test by [creating a payment](#create-payment), paying it yourself, and refunding it.

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

### Can I assign fixed prices to QR codes?[​](#retail-prices "Direct link to Can I assign fixed prices to QR codes?")

Yes. Create or edit a QR code point of sale in [Dashboard → Settings → Points of Sale](https://dashboard.monei.com/settings/points-of-sale), choose the fixed amount payment flow, and set the amount and currency. See [QR code payments](https://docs.monei.com/integrations/use-qr-payments/.md#dashboard-points-of-sale) for the full setup.

### Can customers enter the payment amount after scanning a QR code?[​](#customer-amount "Direct link to Can customers enter the payment amount after scanning a QR code?")

Yes. Use a QR code point of sale with the manual amount payment flow. The customer scans the permanent QR code, enters the amount, and completes the payment without staff entering the amount first.