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Offer BNPL with MONEI Flex
Let shoppers split any card purchase into installments at checkout with our buy now pay later solution, MONEI Flex. Customers enjoy instant approval and a simple application process while you still get paid the full amount upfront.
More sales, zero added risk
Get paid in full, instantly
You receive the entire purchase amount upfront, just like a standard card payment. The customer's bank finances the installments, so you take on no credit risk.
Improve conversion
Splitting the cost into monthly payments makes larger purchases feel more affordable, leading more shoppers to complete checkout.
Increase average order value
When customers can spread out the cost, they're more likely to add to their cart or go with the higher-priced option.
Build customer lifetime value
A flexible, frictionless payment experience keeps shoppers coming back for their next purchase.
How MONEI Flex works
1
Customer reaches checkout
MONEI instantly checks whether the customer's card and bank support installment payments for that purchase amount, with no extra steps for you or them.
2
Customer chooses how to pay
Once approved by their bank, the customer can pay in full or split the purchase into 3, 6, 9, or 12 monthly installments, including a 3-month interest-free option.
3
You get paid in full, upfront
You receive the full purchase amount immediately, regardless of the installment plan the customer chooses, just like a standard payment.
Payment options that fit every purchase
Let customers split their purchase into three equal monthly payments at no extra cost (i.e., with zero interest). For larger purchases, shoppers can choose 3, 6, 9, or 12-month plans under their own card's terms.
Any interest or fees are set by the cardholder's bank and shown before they confirm, leaving zero surprises at checkout, and you're always paid the full amount upfront.
Bank-level security, built-in flexibility
Every MONEI Flex transaction runs through the same 3D Secure and Strong Customer Authentication (SCA) checks as a standard card payment. Customers aren't signing up for a new account or a third-party wallet; they're using the card and bank they already trust, so verification happens in seconds.
Installments are just one more option at checkout, not a replacement for it. Customers can still pay in full if they'd rather, and the choice appears automatically, without adding steps or friction to your existing checkout flow.
No code activation
MONEI Flex doesn't require any engineering. Once our support team turns it on for your account, installment options will appear automatically at checkout on your Hosted Payment Page.
Real results from businesses using MONEI
50%+
reduction in failed payments
70%+
reduction in payment errors
2x+
annual turnover
66%
uplift in orders
70%+
cross-border growth
What MONEI merchants are saying
Rating127 reviews
Felipe Martin
A week ago
The best online payment aggregate out there
Juan M
A week ago
Super intuitive and easy to use
Beautify Box
A week ago
We have integrated Monei as our secure payment gateway, in a simple, fast and completely secure way. It also offers us payment methods such as Bizum, which increases the conversion of payments and gives options to all customers. The commissions with respect to others are lower and also the customer service in Spain is very efficient. Thank you
OrtoPrime España
Two weeks ago
100% recommended. An optimal payment gateway that quickly adapts to the changes and improvements required in electronic commerce. We are very happy to work with the MONEI team!
Biel Tenias Tenas
A month ago
We use it every day to collect from our firm's clients and I can only recommend it to everyone. VERY LOW commissions and the next day you have the money deposited in your checking account. 10/10.
Mar Sánchez Orduna
A month ago
I give this application a 10 for my online store since thanks to it my clients can pay with bizum and other means of card payment, increasing my conversion rate. It is very simple and intuitive and anyone can connect their ecommerce to Money. They also have a super responsive support that answers all your questions. Highly recommended.
Catherin Barajas guerrero
Two months ago
I use MONEI for my business and so far it works great. It is easy to integrate and the customer service is very good. I recommend it
Andres Varela
Three months ago
Highly recommended
David Hart Socias
Four months ago
Very good service. Our users asked us to pay for bizum and since we implemented it, the conversion rate of the web has increased!
Lluis Cufi
Four months ago
I've been using MONEI apps and MONEI Payments Platform for many years and I have only good words for them. The service is absolutely perfect, great customer service and very reasonable prices. I totally recommend it!
One payment platform for every way you sell
In person
Take contactless in-store card and Bizum payments with Tap to Pay or QR codes using your smartphone or any NFC-enabled device.
Omnichannel
Manage every channel—online, in-store, and marketplace—from one omnichannel payments platform dashboard.
Marketplaces
Embed payments for your users and manage it all through one integration with MONEI Connect.
MONEI Flex frequently asked questions
MONEI Flex lets your customers split a card purchase into monthly installments at checkout, while you receive the full payment upfront. No new integration or paperwork required.
Customers can choose from two installment types, depending on what their bank offers. A 3-month interest-free plan or a 3, 6, 9, or 12-month plan with interest rates and fees set by the customer's bank and shown clearly before they confirm.
No. Customers use the card they already have. Eligibility and approval happen instantly at checkout, based on their existing relationship with their bank.
Participating banks include BBVA, Santander, Bankinter, Kutxabank, Unicaja, Ibercaja, Cajamar, Caja Rural, Openbank, Bankintercard, Iberia Cards, Santander Consumer Finance, Arquia Banca, Caja Ingenieros, Eurocaja Rural, and Cajalmendralejo. Eligibility is checked automatically at checkout, so customers don't need to know their bank's terms in advance.
€60, though you can raise this up to €500 to match your business.
Refunds are processed the same way as a standard card payment. Any adjustment to the customer's installment plan is handled automatically by their bank.
No. Once our support team activates it for your account, installment options appear automatically at checkout. It's available on the Hosted Payment Page and redirect-based checkouts.
That's between the customer and their bank, which finances the plan; it doesn't affect the amount you've already been paid.
Not currently. MONEI Flex is available for transactions in Spain, in euros.
