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Connect your acquirer

By default, MONEI provides acquiring for you — you don't need your own to start taking payments. But if you already process card payments with your own acquirer (or want to keep one you trust), you can connect it to MONEI and use MONEI as your orchestration layer.

This is a powerful, incremental path: keep processing exactly as you do today, then grow into MONEI's acquiring, payment methods, and fraud tools at your own pace — without re-integrating.

How it works​

MONEI sits in front of your acquirers and payment methods and routes each payment based on rules you control.

Start with your acquirer, then grow​

  1. Connect your acquirer. Plug in your existing acquirer and keep processing as you do today — now through MONEI. See Connect Redsys or Connect Stripe.
  2. Split your traffic. Route a share of payments to MONEI's own acquiring (or another acquirer) to compare cost and acceptance, then shift more over time.
  3. Add payment methods. Offer Bizum, Apple Pay, Google Pay, PayPal, and local methods alongside cards.
  4. Turn on features. Add Fraud Detector, orchestration rules, retries, and more.

Acquirer pricing​

The payments you route to your own acquirer are billed at 0.20% of — charged instead of MONEI's per-transaction fee, not on top of it. See Bring your own acquirer for a worked example.

  • MONEI's per-transaction fees — the MONEI fee and Interchange++ — apply only to the payments MONEI acquires. Split your traffic and each payment is billed under whichever model processed it.
  • Your acquirer's acquiring cost is charged by that processor under your contract with it, not by MONEI.
  • The €0.15 daily platform fee still applies. It is per account on MONEI One, whatever the acquirer.
  • Your own bank settles those payments to you directly, on its schedule and terms. MONEI's settlement period and rolling reserve apply only to the funds MONEI acquires.

Connect your acquirer​

You can connect more than one Redsys TPV Virtual and more than one Stripe account. To control how payments are routed across processors, see orchestration rules.

Manage your card processors​

Go to MONEI Dashboard → Settings → Payment methods → Card. Under Payment processors, Your processors lists every processor that can take your card payments:

  • MONEI — the card processing you get under your MONEI contract. In Andorra, this entry is named Creand.
  • Your own processors — each Redsys TPV Virtual and each Stripe account you connected, by the name you gave it. Under the name, you see the processor details, for example Redsys · BBVA · TPV 12345-1, so that two TPVs of the same bank are easy to tell apart.

If you take in-person card payments, they have their own In-person card payments table.

When more than one processor is on, your card payments are split equally between them, and the page tells you each one's share. MONEI counts as one processor. To route them differently, set up orchestration rules.

Add a processor​

  1. Under Connect a processor, click the Redsys or the Stripe row. You can also open the row's ⋯ menu and click Connect.
  2. Enter a Name, for example Redsys BBVA. The name shows in your settings and in your payment rules, and it can have at most 60 characters. If you leave it empty, MONEI shows the processor details instead.
  3. Enter the credentials — see Connect Redsys or Connect Stripe — and click Configure.
  4. If this is the first processor of your account, it starts on. Otherwise it is created off: open the processor's ⋯ menu and click Turn on to start taking payments with it.

Repeat these steps for each TPV Virtual or Stripe account that you want to connect.

Turn on, turn off, edit or delete a processor​

Each processor has a ⋯ menu at the end of its row:

  • Turn on or Turn off turns a processor on or off for new payments. This also applies to MONEI.
  • Edit opens the processor's configuration, where you can change its name or its credentials. MONEI has no configuration to change.
  • Delete removes one of your own processors. Turn the processor off first: Delete is not available while it is on. You cannot undo this. You cannot delete MONEI.

Before you turn off or delete a processor, the dashboard shows what the change stops:

  • Rules that send payments to this processor. Payments these rules would send there skip them and every routing rule after them, and go to a random processor.
  • Payment methods that your customers can no longer use, because no other enabled processor accepts them.
  • Wallets, such as Apple Pay or Google Pay, that your customers can no longer use.

The change applies only when you confirm it.

Processor status​

StatusWhat it means
EnabledThe processor takes payments.
DisabledYou turned the processor off. Click Turn on in its ⋯ menu to turn it on again.
UnavailableThe processor cannot take payments. For one of your own processors, credentials are missing: click Edit in its ⋯ menu to add them. For MONEI, contact support to turn it back on.
Pending activationMONEI is still activating the payment method. This usually takes a few minutes.