MONEI Connect overview

MONEI Connect lets a business platform or marketplace offer payments to its own users under its own brand. You onboard merchants, operate their accounts on their behalf, and earn a revenue share — while MONEI handles KYC, compliance, and security.

This page explains, in plain terms, what MONEI Connect is and how the partnership works end to end. When you're ready to build, the MONEI Connect developer guide has the registration link, API keys, endpoints, and webhooks.

What is MONEI Connect?

MONEI Connect is MONEI's integrated payments solution for business platforms and marketplaces. With one partner API, you build end-to-end payment experiences for the merchants on your platform without becoming a payments company yourself: you skip building your own payments stack, MONEI runs KYC and onboarding, and payments compliance and security are built in.

Who uses MONEI Connect

Business platforms and software companies whose own customers need to accept payments — typically in hospitality, hotels, taxis, and ERP. A few MONEI Connect partners:

• Honei (Hospitality)
• Glop (Hospitality)
• Hotelgest (Hotels)
• Taxitronic (Taxis)

How the partnership works

You sign up in the Partner Dashboard and get a partner account. When it goes live, you get a registration link unique to you. Every merchant who signs up through that link is bound to your partner account — these are your . From then on you can operate their accounts on their behalf and see all their activity in one place.

The whole flow is self-service from the Partner Dashboard. For questions before you sign up, contact connect@monei.com.

Sign up

Sign up at partners.monei.com with your email, or with your Google or Apple account. Test mode is active at once, with its own API key, so you can start to build your integration immediately.

Go live

Complete Onboarding in the Partner Dashboard. You need:

• Your company's legal name, tax ID and website, and the services you offer to your merchants.
• The IBAN of the bank account for your partner payouts.
• To accept the MONEI Connect terms of service.

When your partner account is live, you get your live API key and your registration link.

Fully-managed KYC

MONEI fully manages Know Your Customer (KYC) for every merchant bound to your partner account. Each merchant verifies their identity and the legitimacy of their business through MONEI's onboarding — you don't build or operate any of it. Because of regulatory obligations, each merchant must complete onboarding and sign their own contract with MONEI; you can't register merchants on their behalf.

Tracking your merchants

Every merchant who registers through your link is automatically bound to your partner account. You can also append your own external ID to the link so each merchant is easy to match against your own system — the ID is echoed back on every webhook. See Registration link in the developer guide for the exact format.

Supported payment methods

Which methods you can offer your merchants depends on the integration.

Online: every method MONEI supports — cards, local methods like Bizum, MB WAY, and Bancontact, and wallets like Google Pay, Apple Pay, Click to Pay, and more.

In person: cards, Bizum, Google Pay, and Apple Pay, accepted directly inside your own merchant app via the MONEI Pay SDKs.

Security and compliance

MONEI's platform is PCI DSS Level 1 and PSD2 compliant, supports 3D Secure, and enforces Strong Customer Authentication. It also tokenizes sensitive card data so merchants can save payment methods securely.

Partner Dashboard

The Partner Dashboard shows every merchant bound to your partner account in one place.

• Accounts: click a merchant to see its details, analytics, payments, subscriptions, customers, payouts, billing, and documents. You can filter accounts by status.
• Payments: see the payments of all your merchants. You can create a payment, refund it, capture it, cancel it, and send a payment link.
• Subscriptions: see the subscriptions of all your merchants.
• Settings: manage your API keys, webhooks, users, branding, email notifications, security, and Apple Pay certificates.

Branding: the logo you upload is shown on the MONEI sign-up page that your registration link opens.

Your team

To invite a user, go to Settings → Users in the Partner Dashboard. Give each user a role, or select individual permissions:

• Admin: full access, including API keys, webhooks, users, Apple Pay certificates, and the partner account.
• Write: manage accounts, payments, and their configuration. No API keys or users.
• Read: view accounts, payments, and their configuration.
• Finance: read access, plus payouts, invoices, and export files.

Custom integrations

In most cases we can adapt the integrated payments solution to your specific needs. Email connect@monei.com to start the conversation.

Common questions

Can I partner with MONEI to offer payments to my clients?

Yes. If your users need to accept payments, MONEI Connect lets you offer it. As a partner you:

• Skip building and maintaining your own payments solution.
• Let MONEI handle KYC and merchant onboarding.
• Earn a revenue share. See how your commission works.
• Use MONEI's billing system to charge your merchants for additional services.
• Avoid dealing with payment compliance yourself.
• Offer your merchants more payment methods.

Can I add an application fee to a payment?

No. A payment has no application fee field, in the REST API or in the GraphQL API. You do not add your commission to each payment. MONEI charges it to your merchants on their MONEI invoice. See how your commission works.

How is my partner commission charged and paid?

MONEI sets up your commission on your partner account, as your partner agreement defines it. You cannot change it in the Partner Dashboard. To change it, contact connect@monei.com.

The commission can be:

• A percentage of the merchant's successful payment volume.
• A fixed amount for each successful payment.
• A fixed amount for each day.
• A fixed amount for each month, charged on the last invoice of the month.
• A one-time amount.

How the commission works:

1. A merchant signs up through your registration link. MONEI adds your commission to the fees of that merchant.
2. MONEI adds the commission to the weekly MONEI invoice of the merchant, as a separate line. MONEI does not deduct it from payments or payouts.
3. MONEI pays the commission to you. Your partner agreement sets how and when.

A change to your commission applies to merchants that sign up after the change. To change it for your current merchants, contact connect@monei.com.

To see the commission lines, open Accounts in the Partner Dashboard, click a merchant and open its Billing tab.

How do I set up the integration?

Follow the MONEI Connect developer guide for registration and integration steps.

Can I register merchants directly after setting up my partner account?

No. Because of regulatory obligations, each merchant must complete onboarding themselves and sign their own contract with MONEI. MONEI manages KYC, onboarding, security, and compliance for you — see how the partnership works.

What is the Partner API Key?

Generate your Partner API Key in the Partner Dashboard, at Settings → API Access → Create API Key. It lets you call MONEI's APIs on behalf of every merchant bound to your account. Your test API key is available from sign-up. You can create your live API key after your partner account goes live. Details in the developer guide.

Can I test the integration?

Yes. Every partner account comes with a test twin, active from sign-up, so you can build and test the entire integration before you go live and before any merchant signs a contract. See Test mode and live mode and Testing.

What happens if a merchant has onboarding issues?

Merchant onboarding is fully managed by MONEI. If a merchant hits a problem, a MONEI support agent typically responds within 24 to 48 hours.

What integration support do partners get?

For complex integrations we open a free Slack channel during your first two months as a partner.