# Public Administrations

MONEI provides payment infrastructure for public organizations. Municipalities, regional governments, tax agencies, and public institutions use MONEI to collect payments from citizens — taxes, fees, fines, permits, and public services — both online and in person.

MONEI is a **Payment Institution licensed by the Banco de España** (N.R.B.E. `6911`), so it meets the regulatory, security, and data-protection requirements that public-sector contracts demand.

![Citizen paying a public-administration notice on the MONEI payment page](/img/public-administration-payment-en.png)

## What MONEI offers public organizations[​](#what-monei-offers-public-organizations "Direct link to What MONEI offers public organizations")

* **Cards, Bizum, and in-person payments** — accept Visa, Mastercard, and [Bizum](https://docs.monei.com/payment-methods/bizum/.md) online, and collect in person with [MONEI Pay](https://docs.monei.com/monei-pay/overview/.md) (QR codes and Tap to Pay on iPhone or Android — no dedicated terminal needed).
* **Higher acceptance for Spanish cards** — domestic processing maximizes authorization rates for Spanish-issued cards.
* **Cuaderno 60** — collect from preprinted citizen notices using the AEB Cuaderno 60 (60012) standard, then export the reconciliation fichero for your bank.
* **No-code or full API** — go live with a hosted payment page in days, or integrate your sede electrónica or revenue-collection platform with the [REST and GraphQL APIs](https://docs.monei.com/apis/rest/.md).
* **Security built in** — PCI DSS Level 1 and PSD2 compliant, with [3D Secure](https://docs.monei.com/fraud-prevention/3d-secure/.md) authentication on every eligible payment.
* **Dashboard and reporting** — real-time transaction monitoring, settlement reporting, and downloadable or [SFTP-delivered](https://docs.monei.com/manage-account/sftp-reports/.md) files for accounting and auditing.

## Cuaderno 60[​](#cuaderno-60 "Direct link to Cuaderno 60")

If you collect municipal taxes, fees, or autoliquidaciones from preprinted notices, MONEI supports the Spanish **AEB Cuaderno 60 (60012)** standard end to end:

* Citizens pay from the **Emisora**, **Referencia**, and **Identificación** printed on their notice, on a no-code MONEI-hosted page they reach by QR code or a short `monei.me` link — by card or Bizum.
* MONEI validates the control digits, attaches the Cuaderno 60 data to the payment, and lets you **export the reconciliation fichero** — on demand, or pushed to your bank by SFTP on the AEB filing days.

→ [Set up Cuaderno 60](https://docs.monei.com/public-administration/cuaderno-60/.md)

## Security and compliance[​](#security-and-compliance "Direct link to Security and compliance")

| Standard                                        | What it means                                                                                                                    |
| ----------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------- |
| **PCI DSS Level 1**                             | The highest level of payment-security certification. See [PCI DSS](https://monei.com/pci-dss/).                                  |
| **Banco de España — Payment Institution #6911** | Licensed under the EU Payment Services Directive (PSD2).                                                                         |
| **PSD2 / SCA**                                  | Strong Customer Authentication via [3D Secure](https://docs.monei.com/fraud-prevention/3d-secure/.md) on every eligible payment. |
| **GDPR / RGPD**                                 | Data processed and stored in the EU, under a data-processing agreement conforming to Art. 28 RGPD.                               |

## Activate your account after a contract award[​](#activate-your-account-after-a-contract-award "Direct link to Activate your account after a contract award")

If your administration has awarded a contract or signed a framework agreement with MONEI, how you activate depends on the contract size.

### Tenders under €500,000 — self-serve[​](#tenders-under-500000--self-serve "Direct link to Tenders under €500,000 — self-serve")

Everything you need to go live is in your RFP file and in this documentation — no kick-off calls, no waiting.

1. **Register** at [dashboard.monei.com](https://dashboard.monei.com/auth/register) with a corporate email.
2. **Email your activation details** to <teo@monei.com> with the subject `ALTA CUENTA MONEI — [your organization]`, including:

| Field                     | Description                                                   |
| ------------------------- | ------------------------------------------------------------- |
| Admin email               | The corporate email you registered with                       |
| Organization name         | Official name as it appears in the contract                   |
| Payment descriptor        | What citizens see on their bank statement (max 22 characters) |
| Settlement IBAN           | Bank account where MONEI deposits collected payments          |
| Transaction types         | Online, in person, or both                                    |
| Terminal delivery address | Only if in-person hardware is needed                          |

3. MONEI **activates your account** within 24–48 business hours and emails you dashboard access.
4. **Start collecting** — add users, configure webhooks, and go live.

Bizum is activated automatically if it's included in your contract.

### Tenders over €500,000 — managed onboarding[​](#tenders-over-500000--managed-onboarding "Direct link to Tenders over €500,000 — managed onboarding")

MONEI assigns a project manager and runs a structured onboarding, typically over 8–12 weeks:

| Phase                    | Timing     | What happens                                              |
| ------------------------ | ---------- | --------------------------------------------------------- |
| Kick-off & account setup | Weeks 1–2  | Project kick-off, account creation, credentials delivered |
| Technical integration    | Weeks 2–5  | Sandbox integration, webhook configuration                |
| User acceptance testing  | Weeks 5–7  | Joint testing, security review, DPA signing               |
| Go-live                  | Weeks 7–9  | Production activation with supervised first transactions  |
| Validation               | Weeks 9–12 | First settlement and reconciliation verified              |

MONEI provides a detailed Service Activation Plan at contract signing, covering the full process, responsibilities, and deliverables. [Contact us](mailto:teo@monei.com) to request it.

## Integration options[​](#integration-options "Direct link to Integration options")

| Model                                                                                    | Effort     | When to use                                            |
| ---------------------------------------------------------------------------------------- | ---------- | ------------------------------------------------------ |
| [Hosted payment page](https://docs.monei.com/integrations/use-prebuilt-payment-page/.md) | Low        | Citizen-facing payment portals, no IT team needed      |
| [REST API](https://docs.monei.com/apis/rest/.md)                                         | Medium     | Custom ERP or revenue-collection platform              |
| [MONEI.js SDK](https://docs.monei.com/monei-js/overview/.md)                             | Low–medium | Sede electrónica with a custom frontend                |
| [Platform connector](https://docs.monei.com/e-commerce/woocommerce/.md)                  | Low        | PrestaShop, WooCommerce, and other supported platforms |

All options include Bizum, 3D Secure, [webhooks](https://docs.monei.com/guides/webhooks/.md), and settlement reporting.

## Settlement and reconciliation[​](#settlement-and-reconciliation "Direct link to Settlement and reconciliation")

* **Settlement to your IBAN** — MONEI transfers collected funds to your account on a rolling schedule. See [Payouts and settlements](https://docs.monei.com/manage-account/payouts-and-settlements/.md) for current timing and how to change your IBAN.
* **Reconciliation files** — download a transactions report from the dashboard, schedule [SFTP delivery](https://docs.monei.com/manage-account/sftp-reports/.md), or export the [Cuaderno 60 fichero](https://docs.monei.com/public-administration/cuaderno-60/.md) for your bank.
* **Refunds** — issue full or partial [refunds](https://docs.monei.com/payments/refunds/.md) from the dashboard or API.