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.

Pricing

Bringing your own acquirer is billed at 0.20% of for the payments you route through it — see MONEI fees. MONEI's own acquiring and per–payment-method fees are billed separately; the acquiring cost of your own acquirer is charged by that processor, not MONEI.

Connect your acquirer

• Connect Redsys — bring your Spanish/Andorran TPV Virtual.
• Connect Stripe — bring your Stripe account.

To control how payments are routed across processors, see orchestration rules.