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MONEI Flex

MONEI Flex lets your Spanish customers split a card purchase into monthly installments — decided instantly at checkout, with no paperwork and no separate application. The customer's own bank finances the purchase, so you're paid the full amount upfront and take on no credit risk.

It works with the cards your customers already have, so there's nothing extra for them to sign up for. At checkout, customers see the MONEI Flex installment options offered by their bank.

How it works​

When a customer pays by card on your Hosted Payment Page, MONEI checks whether their bank offers installments for that card and amount. If it does, the customer chooses how to pay — in full, or split into monthly installments — and confirms. Their bank approves it in seconds. You receive the full purchase amount in your next settlement, exactly like a regular card sale.

MONEI Flex installment options on the MONEI payment page

Payment options​

Customers can choose between two installment types, depending on what their bank offers:

  • Interest-free (3 months). The customer splits the purchase into 3 monthly payments at no extra cost — no interest and no fees. They pay exactly the purchase price.
  • Standard (3, 6, 9, or 12 months). The customer splits the purchase over 3, 6, 9, or 12 months under the terms of their card agreement. The interest rate and any fees set by their bank are shown before they confirm. The maximum term is 12 months.

The available terms are returned by the customer's bank at checkout, so the exact options vary by bank and card.

Availability​

MONEI Flex is available in Spain, for payments in euros (EUR) made with credit or debit cards issued by Spanish banks. It applies to purchases over €60 — you can raise this minimum for your store, up to €500, and there is no maximum. Some business sectors aren't eligible.

Customers can use MONEI Flex when their card is issued by a participating Spanish bank, including BBVA, Santander, Bankinter, Kutxabank, Unicaja, Ibercaja, Cajamar, Caja Rural, Openbank, Bankintercard, Iberia Cards, Santander Consumer Finance, Arquia Banca, Caja Ingenieros, Eurocaja Rural, and Cajalmendralejo.

Activation​

MONEI Flex isn't enabled by default. To start offering it, contact our Support Team to request activation for your account. Once it's enabled, eligible card payments automatically show installment options at checkout.

Fees​

MONEI Flex adds 2.4% to your standard card transaction fee on each eligible sale. You're settled the full purchase amount upfront and take on no credit risk — the customer's bank carries the financing. For current pricing, see MONEI fees.

Refunds and payouts​

MONEI Flex payments are settled and refunded like regular card payments. You're paid the full purchase amount into the IBAN on your MONEI account, and you can refund a payment from your MONEI Dashboard. The customer's installment plan is then adjusted by their bank.

Integration​

MONEI Flex requires no extra code. Once it's activated for your account, eligible card payments show the installment options automatically and the customer selects a plan on the MONEI payment page.

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MONEI Flex is offered on the Hosted Payment Page and redirect-based checkouts. It isn't available through the embedded card component in a custom checkout.

Common questions​

Who pays the interest on MONEI Flex installments?​

For interest-free installments (3 months), no one pays interest — the customer pays exactly the purchase price. For standard installments (3, 6, 9, or 12 months), the customer pays the interest and any fees set by their bank, shown before they confirm. Either way, you receive the full purchase amount upfront.

Do I take on any risk if the customer doesn't keep paying?​

No. The customer's bank finances the installments and carries the credit risk. You're settled the full purchase amount like a normal card sale, regardless of how the customer chooses to pay it back.

Which customers can use MONEI Flex?​

Customers paying with a credit or debit card issued by a Spanish bank that offers installments, for purchases over €60 in euros. The available plans are decided by the customer's bank at checkout, so options vary by bank and card.

How do customers know MONEI Flex is available?​

On the payment page, eligible customers see the MONEI Flex option to split their payment into monthly installments. If their card or bank doesn't offer installments for the purchase, they simply pay in full as usual.

Does the customer have to pay in installments?​

No. Installments are always optional — the checkout also offers Pay in full (a single payment today). The customer chooses how to pay, and either way you're settled the full amount.