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Stripe Alternative
Stripe is built for the whole world. MONEI is built for selling in Spain and Andorra. Accept major and local payment methods, including Bizum for one-off and recurring payments from a single platform with pricing that scales with your business.
Why switch from Stripe to MONEI?
Pay less as you grow with transaction volume tiers, no setup fee, and no monthly minimum.
Sell more with Bizum, including subscriptions, which Stripe's Bizum doesn't support.
Reach more customers and run your store from Spain or Andorra with a MONEI account.
MONEI vs Stripe at a glance
MONEI and Stripe both cover the essentials. The difference is in what you pay as you grow, how far you can go with Bizum, and where your business is based.
|  | |
|---|---|---|
| Pricing | ||
| Card pricing (standard European cards) | Lower fees: 0.90% + €0.25 + Interchange++ | Higher fees: 1.5% + €0.25, flat rate (premium cards 2.8% + €0.25) |
| Volume discounts | Transaction fees drop as sales increase: 0.60% from €500K, 0.25% from €1M, 0.15% from €5M. | Custom pricing on request, but lacks transparency. |
| Setup fee or monthly minimum for payments | No | No (some add-ons have monthly plans) |
| Payment methods | ||
| Credit and debit cards | ||
| Apple Pay and Google Pay | ||
| PayPal | ||
| SEPA Direct Debit | ||
| Bizum | ||
| Bizum subscriptions | ||
| Pay in installments | MONEI Flex: financed by your customer's bank, 3 months interest-free or 3–12 months, and you're paid in full upfront. +2.4% on installment sales only. | Klarna and other buy now, pay later providers. Klarna from 4.99% + €0.40. |
| Checkout and integrations | ||
| Hosted payment page | ||
| Custom checkout components | Yes (React, Vue, Angular, and Svelte) | Yes (Elements) |
| Payment links | ||
| E-commerce plugins | Yes, for major platforms. | Yes, for major platforms. |
| REST API and webhooks | ||
| Recurring card payments and subscriptions | ||
| Managing payments | ||
| Real-time dashboard with refunds | ||
| Team access with user roles | ||
| Chargeback management in the dashboard | ||
| In-store payments | MONEI POS app and QR codes, no hardware needed. Tap to Pay (iPhone) and Tap to Phone (Android) at no extra cost. | Terminal card readers and Tap to Pay. |
| Security and compliance | ||
| PCI DSS Level 1 | ||
| 3D Secure | ||
| Fraud screening | Yes (Fraud Detector: €0.05 per screened transaction). | Yes (Radar: from €0.05 per screened transaction, or from €10/month). |
| Availability | ||
| Businesses based in Spain | ||
| Businesses based in Andorra | Yes, through our partner Creand. | |
| Route payments to your own acquirer | Yes (0.20%) | Private preview, cards only. |
How MONEI pricing compares to Stripe
Stripe charges most European businesses one flat rate per card payment. MONEI splits your cost into two parts. The first is interchange and scheme fees, set by the banks and card networks and passed through at cost. The second is MONEI's own fee, which decreases as you sell more, saving you money as you grow.
The more you sell, the less you pay
Online card fees drop automatically as your monthly volume grows.
+ €0.25 per transaction · + Interchange++ at settlement
Rates shown are the MONEI fee. Every card payment (online or in person) also carries Interchange++ (scheme fees + a 0.10% acquiring fee), deducted at settlement. Bizum, Apple Pay, Google Pay, PayPal & 30+ methods have their own rates; + €0.15/day platform fee. See full fee details →
Bizum on Stripe vs Bizum with MONEI
Stripe added Bizum in 2026, so you can now take one-off Bizum payments on either platform. The difference is what you can do with them.
Charge Bizum subscriptions. Bill memberships, boxes, and monthly plans with Bizum via MONEI. Stripe's Bizum only supports one-off payments.
Reach customers in Andorra. Accept Bizum from customers with Spanish or Andorran bank accounts by integrating with MONEI.
Run Bizum and cards through one licensed acquirer. MONEI processes Bizum directly, so you get one contract, one payout, and one dashboard for every payment.
Switch it on without code. Once you activate Bizum on your MONEI account, the Bizum button appears at checkout on Shopify, PrestaShop, WooCommerce, and more e-commerce platforms, or you can build a custom checkout.
Not ready to switch from Stripe to MONEI? Keep it, and add MONEI's Bizum for subscriptions and Andorran customers. Our step-by-step guide shows you how, or read how Bizum works with Stripe.
One integration, endless payment methods
Bizum is just the start. Connect MONEI once and offer cards, Apple Pay, Google Pay, PayPal, Click to Pay, SEPA Direct Debit (beta), MB Way, Multibanco, Bancontact, and more, all managed from one dashboard. Let customers split card purchases into installments with MONEI Flex: their bank covers the financing, and you're paid in full upfront.
How to switch from Stripe to MONEI
You can move to MONEI in four steps, and keep Stripe running until you're ready to switch over.
1
Open your account and get verified.
Sign up and add your business details: companies enter their CIF, and autónomos upload a certificate of census situation. Andorran businesses set up their account through our partner Creand, which also sets their pricing.
2
Connect your store.
Install our plugin for Shopify, WooCommerce, PrestaShop, Wix, or Adobe Commerce. If you built a custom checkout with Stripe Elements, our migration guide maps each Stripe concept to its MONEI equivalent.
3
Turn on your payment methods.
Enable Bizum, cards, Apple Pay, Google Pay, and PayPal, and your checkout updates automatically.
4
Start selling.
Your first payout arrives 30 days after you go live. After that, payouts follow a regular schedule that gets shorter as your account builds a track record.
Selling in person too? Take payments in your shop with our mobile POS app on your phone, no card terminal needed.
What MONEI merchants are saying
Rating
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!
Frequently asked questions
For businesses selling in Spain and Andorra, MONEI is a strong Stripe alternative. It's licensed by the Bank of Spain, supports Bizum for both one-off payments and subscriptions, and uses Interchange++ pricing with a MONEI fee that drops from 0.90% + €0.25 to 0.15% + €0.25 as your sales grow. It also works for businesses based in Andorra, where Stripe isn't available.
Yes. Stripe added Bizum in 2026 for one-off payments from customers in Spain. Stripe's Bizum doesn't support recurring payments, so you can't use it for subscriptions. MONEI supports Bizum for both one-off payments and subscriptions.
Yes, with MONEI. You can bill memberships, subscription boxes, and other recurring plans with Bizum. The subscription amount stays fixed once your customer activates it.
No. As of October 2026, Andorra isn't on Stripe's list of supported countries, so businesses based in Andorra can't open a Stripe account. We work with Andorran businesses through our partner Creand.
Become a Creand client, request a TPV Virtual from Creand, then sign up for MONEI. Creand and MONEI connect your TPV Virtual to your MONEI account and let you know once you're approved. Creand sets the pricing for Andorran businesses. See the full setup steps.
Stripe charges a flat 1.5% + €0.25 for standard European cards. MONEI uses Interchange++, which means you pay interchange and scheme fees at cost, plus a MONEI fee that starts at 0.90% + €0.25 and drops to 0.15% + €0.25 as your volume grows. There's no setup fee and no monthly minimum. See full pricing.
Your first payout arrives after 30 days. After that, MONEI pays out on a D+7 schedule (seven days after each payment) and moves you to D+1 automatically as your account builds a low-risk track record.
Yes. Through Stripe's Custom Payment Methods, MONEI's Bizum appears in your Stripe checkout, and Bizum payments show up in your Stripe dashboard alongside your card payments. Setup requires some development work.
Open and verify your MONEI account, install the plugin for your platform (Shopify, WooCommerce, PrestaShop, Wix, or Adobe Commerce) or connect through the API, turn on your payment methods, and start selling. If you built your checkout with Stripe Elements, the migration guide maps each Stripe concept to its MONEI equivalent.
