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Accept cards, Bizum, Apple Pay, Google Pay, and more through a single payment gateway built for your website, app, or online store.
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Payment gateway for online businesses
Accept cards, Bizum, Apple Pay, and more payment methods from one platform, built for businesses in Spain and Andorra.
What is a payment gateway?
A payment gateway is the technology that securely authorizes and processes online payments between a customer, a merchant, and the customer's bank or card issuer. It encrypts sensitive data like card numbers and digital wallet credentials, so you can accept payments on your website or app without ever handling that data directly.
MONEI's payment gateway runs on this technology and supports cards, Apple Pay, Google Pay, Bizum, and more payment methods through a single integration.
The problems an online payment gateway solves
Conversion loss
Checkout friction and unfamiliar payment options cause shoppers to abandon their carts before paying. MONEI lets you offer the payment methods customers already trust: cards, Bizum, Apple Pay, Google Pay, and more, so fewer carts are abandoned at checkout.
Complexity
Connecting a bank's virtual POS, a separate fraud tool, and one integration per payment method adds engineering time most businesses don't have to spare. One integration connects every payment method and processor MONEI supports, so there's nothing extra to build or maintain.
Fraud
Card-not-present transactions carry more fraud and chargeback risk than an in-person sale, and that risk falls on the merchant. 3D Secure 2.0 authentication and PCI DSS Level 1 compliance are built in, so fraud protection doesn't depend on bolting on extra tools.
Limited payment methods
Offering only cards means missing the local and mobile wallets that many customers prefer to pay with. Support for Bizum, Apple Pay, Google Pay, and 30+ other methods means a sale doesn't get lost over how someone wants to pay.
Accept the payment methods your customers already use
Support 30+ payment methods through one integration, with more added regularly.
Process online payments without extra engineering work
Connect your existing platform and start accepting payments in as little as 24 hours: no custom development required. Plug in directly with Shopify, WooCommerce, Wix, Magento 2 (Adobe Commerce), or PrestaShop. Integrate with a custom-built website using our payments API.
Meet bank-level security standards without extra work
3D Secure 2.0. Adds an extra layer of authentication at checkout, shifting fraud liability away from you without adding friction for legitimate customers.
PSD2 compliant. Meets the EU's Strong Customer Authentication (SCA) requirement, so your checkout stays compliant with European payment regulation by default.
PCI DSS Level 1. The highest level of card-data security certification. You don't carry your own PCI compliance burden: MONEI carries it for you.
Transparent payment gateway fees
With MONEI, there's no monthly fee, you only pay per transaction. Full rates, based on your business and volume, are on our pricing page.
Why choose MONEI as your online payment gateway?
Skip the headache of getting a virtual POS from your bank. Integrate with MONEI for built-in merchant acquiring and the ability to accept cross-border payments. Onboard in five minutes to enjoy these features and more.
Manage your entire payment stack from a single platform
Boost trust and brand awareness with a customized checkout page
Maximize transaction acceptance rates with payments orchestration
Save money on transaction fees with dynamic pricing and enjoy fast settlements
Earn recurring revenue with flexible subscription plans
Take payments with or without a website using Pay By Link
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.
Payment gateway FAQ
Think of it as the digital version of a card machine: it sits between your checkout and the banking network, encrypting each transaction and passing it along for approval. That's what lets a website accept card and digital wallet payments in the first place, without you ever handling the underlying payment data yourself.
When a customer pays, the gateway encrypts their payment details and sends an authorization request to their bank via the card network. The bank approves or declines the transaction, and the gateway relays that response back to your checkout, usually within seconds.
You can't accept online card payments without one. Banks and card networks require payment data to be encrypted and authorized before funds can move, and a payment gateway handles that so you don't have to build or maintain that security yourself.
There are four common types:
- Hosted (the customer is redirected to a payment page hosted by the provider)
- Self-hosted (the merchant collects payment details directly and sends them to the gateway via API)
- API-hosted or integrated (checkout stays on the merchant's site while the gateway handles the sensitive data behind the scenes)
- Local bank integration gateways (connected directly to a specific bank's own payment infrastructure)
MONEI doesn't charge a monthly subscription. You pay per transaction instead, so cost scales with your sales rather than incurring fixed overhead. Exact rates depend on your business type and volume; our pricing page has the full breakdown.
MONEI's payment gateway currently supports businesses based in Spain and Andorra.
A payment gateway supports multiple payment methods, routes transactions across acquirers, and scales with transaction volume. A virtual POS (TPV virtual) is a more basic, bank-provided web form for taking one-off card payments online. It works for simple, low-volume use cases, but doesn't offer the same flexibility.
Most businesses can start accepting payments in as little as 24 hours after signing up since no custom development is required.
