# Payments overview

MONEI handles the full life of a payment — from accepting it, to settling the money into your bank, to refunding or paying out when you need to. This page is your map to everything in the Payments section.

## The life of a payment[​](#lifecycle "Direct link to The life of a payment")

<!-- -->

## Accept payments[​](#accept "Direct link to Accept payments")

Take payments online, in person, or by sharing a link.

* **[Payment methods](https://docs.monei.com/payment-methods/overview/.md)** — cards, Bizum, Apple Pay, Google Pay, PayPal, Click to Pay, and more.
* **[Pay by Link](https://docs.monei.com/payments/pay-by-link/.md)** — charge customers without a website by sending a link via WhatsApp, email, or SMS.
* **[Subscriptions](https://docs.monei.com/subscriptions/overview/.md)** — charge customers automatically on a recurring schedule.

## Move the money[​](#money "Direct link to Move the money")

* **[Refunds](https://docs.monei.com/payments/refunds/.md)** — issue full or partial refunds, including refunding to a different card.
* **[Payouts to customers](https://docs.monei.com/payments/payouts-to-customers/.md)** — send money from your MONEI balance to customers with Bizum and card payouts.
* **[Currencies](https://docs.monei.com/payments/currencies/.md)** — which currencies MONEI supports for charges and transfers, and how to enable them.

## Optimize and route[​](#optimize "Direct link to Optimize and route")

* **[Payments orchestration](https://docs.monei.com/payments/orchestration/.md)** — configure routing rules across acquirers and processors to improve acceptance and cost.

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

### When is a payment settled to my bank?[​](#when-settled "Direct link to When is a payment settled to my bank?")

A successful payment is captured immediately, then settled to your bank according to your payout schedule. See [payouts and settlements](https://docs.monei.com/manage-account/payouts-and-settlements/.md) for the timeline that applies to your account.

### Can I refund a payment to a different card?[​](#refund-different-card "Direct link to Can I refund a payment to a different card?")

Yes. See [Refunds](https://docs.monei.com/payments/refunds/.md) for when this is possible and how it works.

### How do I send money to a customer, not just refund them?[​](#send-money "Direct link to How do I send money to a customer, not just refund them?")

Use [payouts to customers](https://docs.monei.com/payments/payouts-to-customers/.md) — these draw from a prefunded balance and are separate from refunds.