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Digital payments for a modern public administration
MONEI is a Banco de España-licensed payment infrastructure serving Spanish municipalities, provincial councils, regional bodies, and any public administration. Accept taxes, fees, fines, public transport payments, etc — online, in person, by QR, by Bizum, or Tap to Phone — all from one platform, fully compliant with European regulations.
No fixed fees. Live in under 10 business days. No citizen data leaves the EU.
Some use cases
From municipal taxes to social service payments — every collection need covered, without switching tools.
Municipal Taxes & Fees
IBI, vehicles, waste, capital gains, curb access. Online portal integrated with your website. Recurring tokenisation for recurring payments.
Fines & Traffic Sanctions
Pay by web, app, or QR code printed on the notification. Reduction of payment delays and defaults.
Facilities & Ticketing
Theatres, pools, sports centres, markets. Instant payment, automatic confirmation, capacity control.
Social Services & Subsidies
Payment and refund management for benefits. Programmable payments with EURM stablecoin for conditional grants.
Markets & Fairs
Mobile POS for market stalls — no hardware investment. Unified dashboard for the municipality.
Education & Enrolments
Courses, music schools, nurseries, sports. Waiting list management and automated refunds.
Digital Administration
Tax payment integrated into the citizen services portal. Fulfilment of the e-administration obligation.
Transport & Parking
Integration with public transport systems, blue zones, and parking meters. Payment via Bizum, app, or QR.
Supra-Municipal Management
MONEI Connect for provincial councils and county councils: one control point, consolidated reporting, delegated management with budget separation.
Cuaderno 60 Payments
Full AEB 60012 standard support. Citizens scan the barcode on their document and pay in one tap. Fortnightly reconciliation file auto-generated.
All your payment channels in one platform
From online payment gateways to in-field mobile terminals — all channels unified in a single dashboard, single API, and single reconciliation system.
- Online Payment Gateway — Hosted checkout page (zero PCI risk) or custom integration via REST API. Compatible with SAP, Oracle, Aytos, Gestiona.
- NFC payments — Any NFC device becomes a certified payment terminal with Tap to Phone for Android & Tap to Pay for iPhone. No hardware. No maintenance.
- No account or app required — Print payment QR codes & payment links on documents, or share them by email or SMS.
- Virtual POS 24x7 — Virtual Point of Sale terminal for manual transaction management from the dashboard. Available 24/7, including weekends and holidays.
- MONEI Connect — For provincial councils: centralised multi-entity management, consolidated reporting, delegated budget separation.
| Uptime SLA | 99.99% · < 53 min/year |
| Payment confirmation | < 2 seconds |
| Deployment time | < 10 business days |
| ERP integration | SAP · Oracle · Aytos · Gestiona |
| API | REST · OpenAPI 3.0 · GraphQL |
| SDKs | PHP · Python · Node.js · Java · .NET |
| Fund settlement | Real-time or D+1 · 100% segregated |
| Payment methods | 40+ incl. Bizum, Apple Pay, SEPA |
| Data residency | EU only · GDPR compliant |
| Fixed fees | None · per-transaction only |
Payments security built on twelve verifiable credentials
Regulation is not an administrative formality: it is the concrete guarantee that citizen payments are handled with maximum security and transparency.
- Payment Institution #6911 — Authorised and continuously supervised by the Banco de España. Licence obtained 14 June 2021.
- PCI DSS Level 1 — Highest global security certification for card data. Audited annually by an accredited QSA. No card data ever touches the administration's servers.
- ISO/IEC 27001 — Certified Information Security Management System to the international standard.
- SWIFT Member — BIC MONIES2M. Direct connectivity with any banking entity worldwide under regulated standards.
- European Payments Council — Official member since 1 January 2025. Active in SCT Inst, R2P, and Digital Payment Solutions working groups.
- Servired Direct Member — Member of Spain's primary domestic payments scheme. Native processing without intermediaries.
- ECB Digital Euro Pilot — One of 70 European entities selected by the ECB for Digital Euro infrastructure tests, alongside CaixaBank and Bizum.
- Banco de España Sandbox · EURM — First Spanish stablecoin to complete the Regulatory Sandbox. Pegged 1:1 to the euro, backed by Spanish Treasury bonds.
- AWS Architecture Award — Recognised by Amazon Web Services as a serverless architecture reference for startups in southern Europe.
- VISA Innovation Program — Selected by invitation to VISA's programme for the most innovative fintechs in Europe.
- PSD2 · SCA · 3DS 2.0 — Strong Customer Authentication implemented ahead of the mandatory European deadline. Operates as authorised PISP and AISP.
- DORA Compliant — Meets all Digital Operational Resilience Act requirements for financial entities operating in the EU.
Read more about payments security at MONEI.
We don't compete with banks, we complement them
Administrations working with MONEI keep their existing banking relationship. MONEI acts as a specialised technology layer between the institution and payment channels. Funds are settled directly to the administration's bank account.
| Capability | Traditional Bank | MONEI · Payment Institution |
|---|---|---|
| Core activity | Deposits, lending, investment, capital management | Processing and facilitating digital payments — exclusively |
| Integration speed | Long processes, non-standard APIs, complex integration | Modern REST API · live in days · public documentation |
| Fund management | May use client funds (fractional reserves) | Legal obligation to segregate 100% of funds |
| Payment methods | Typically card + basic transfer | 40+ methods: Bizum, Apple Pay, Google Pay, SEPA, Tap to Phone |
| Settlement | Batch processing, days of delay | Real-time · funds in treasury at moment of payment |
| Tender specifications | Drafted for banks — PSPs excluded by default | MONEI advises free of charge on open, compliant tender drafting |
| Cash reconciliation | Manual processes, delays, errors | Automatic reconciliation · zero cash handling |
| Innovation speed | Long cycles due to regulation and legacy systems | Agile cycles · Bizum, Tap to Phone, Digital Euro, AI |
Frequent questions for legal and technical teams
Can a Payment Institution like MONEI legally act as a collaborative collection entity?
Yes, with the same legal authorisation as a bank. Article 9.4.b of Royal Decree 939/2005 (Reglamento General de Recaudacion) explicitly establishes that payment institutions may provide cash services and be considered collaborative entities for tax collection on the same terms as credit institutions.
Does citizen data leave the European Union?
No data leaves the EU. MONEI is incorporated in Spain, supervised by the Banco de Espana (licence number 6911), and its data is hosted exclusively with EU-based providers. It is not subject to the US Cloud Act. All data is managed under strict GDPR compliance.
How are funds settled to the public administration?
In real time or agreed settlement periods, directly to the administration's bank account — without changing bank or using additional intermediaries. Funds are 100% segregated by legal obligation; MONEI cannot use them at any time for its own operations.
What happens if the MONEI system fails?
99.99% SLA with redundant multi-zone architecture — fewer than 53 minutes of possible interruption per year. MONEI is the only PSP in southern Europe with real-time payment orchestration that automatically routes to alternative processors in the event of any incident.
How should a tender specification be drafted to include Payment Institutions?
The tender must allow concurrence of credit institutions and payment institutions under equivalent conditions. MONEI provides free assistance in reviewing technical, regulatory, and solvency requirements to ensure an open and competitive tender without breaching the regulatory framework.
For more information, contact contratacion-publica@monei.com.
What realistic implementation timelines can we expect?
From signature to first transaction: under 10 business days for the standard online gateway. Full omnichannel deployment with municipal ERP integration: 6 to 12 weeks depending on complexity. MONEI assigns a dedicated project manager from day one, at no additional cost.
What does it cost the administration?
Per-transaction model, with no fixed fees or minimum commitments. No cost for integration, dashboard access, updates, or technical support. Cost is proportional to actual transaction volume, with competitive and transparent rates presented in writing during the tender process.
Does MONEI support Cuaderno 60?
Yes. MONEI supports the full AEB Cuaderno 60 (60012) standard for public administration payments. Citizens can pay taxes, fees, and self-assessments using their printed document's barcode. The fortnightly AEB reconciliation file is generated and delivered automatically.
