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MONEI fees per payment method: the prices MONEI publishes

Every price MONEI publishes for merchants established in Europe, in one table: per payment method, country of establishment and channel, with the date each price was read. Choose your country and channel, and the table also shows the methods MONEI offers without a published price. A published rate is a list rate: what you actually pay is set in your quoted rate and your contract.

Retail Payment Methods Transparency Index

MONEI fees by country and channel

MONEI stands in the index with 12 payment methods for merchants established in Europe, and publishes a price for 6 of them.

Each rate is shown as MONEI prints it; the method name links to the page about that method and the date links to the page the rate was read on. A published rate is a list rate: what a merchant actually pays is stated in the quoted rate and the contract.

Payment methodPublished priceChannel
Apple Pay Merchants in SpainThe rate of the card used applies (Apple Pay, Google Pay and Click to Pay are processed as card payments with no additional fee). Cards online: acquiring fee (all volumes): network fees + 0.10%; MONEI fee by monthly volume: €0–500K: 0.90% + €0.25; €500K–1M: 0.60% + €0.25; €1M–5M: 0.25% + €0.25; above €5M: 0.15% + €0.25; MONEI One platform fee: €0.15 per day (VAT exempt, invoiced only in weeks with at least one payment)Interchange plus plus, tiered, plus subscriptionRead at source on 7 October 2026Online
Bancontact Merchants in SpainAcquiring fee: €0.22 (€0.24 per refund); MONEI fee: 1.40% + €0.02; one-off setup fee: €10; MONEI One platform fee: €0.15 per day (VAT exempt, charged only in weeks with payments)Percentage plus fixed amount, plus subscriptionRead at source on 28 September 2026Online
Diners Club Merchants in SpainNo price publishedRead at source on 7 October 2026Online
Discover Merchants in SpainNo price publishedRead at source on 7 October 2026Online
Google Pay Merchants in SpainThe rate of the card used applies (Apple Pay, Google Pay and Click to Pay are processed as card payments with no additional fee). Cards online: acquiring fee (all volumes): network fees + 0.10%; MONEI fee by monthly volume: €0–500K: 0.90% + €0.25; €500K–1M: 0.60% + €0.25; €1M–5M: 0.25% + €0.25; above €5M: 0.15% + €0.25; MONEI One platform fee: €0.15 per day (VAT exempt, invoiced only in weeks with at least one payment)Interchange plus plus, tiered, plus subscriptionRead at source on 7 October 2026Online
JCB Merchants in SpainNo price publishedRead at source on 7 October 2026Online
Mastercard Merchants in SpainNo price publishedRead at source on 28 September 2026Online
Mastercard Merchants in SpainNo price publishedRead at source on 28 September 2026In-store
MB WAY Merchants in SpainAcquiring fee: 1.00% + €0.08 (€0.25 per refund); MONEI fee: 0.40% + €0.20; one-off setup fee (Multibanco and MB WAY, once per merchant, not per method): €10 (VAT exempt); MONEI One platform fee: €0.15 per day (VAT exempt, charged only in weeks with payments)Percentage plus fixed amount, plus subscriptionRead at source on 5 October 2026Online
Multibanco Merchants in SpainAcquiring fee: 1.20% + €0.45 (€0.10 per refund); MONEI fee: 0.90% + €0.20; One-off setup fee (Multibanco and MB WAY, once per merchant, not per method): €10 (VAT exempt); MONEI One platform fee: €0.15 per day (VAT exempt, charged only in weeks with payments)Percentage plus fixed amount, plus subscriptionRead at source on 28 September 2026Online
PayPal Merchants in SpainPayPal's own fees under your own agreement (negotiated and paid directly to PayPal) + MONEI fee 0.20% + €0.10; MONEI One platform fee: €0.15 per day (VAT exempt, charged only in weeks with payments)Plus the method owner’s fee, plus subscriptionRead at source on 9 October 2026Online
UnionPay Merchants in SpainNo price publishedRead at source on 7 October 2026Online
Visa Merchants in SpainNo price publishedRead at source on 28 September 2026Online
Visa Merchants in SpainNo price publishedRead at source on 28 September 2026In-store
Compare MONEI with other providers in the indexChoose your own country, channel and payment method

All providers in the index

Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 28 September 2026 and 9 October 2026. A provider that believes a row is wrong can write to index@ecomstream.nl. Every reported correction is checked at the source.

Retail Payment Methods Transparency Index

Questions about MONEI fees

What does MONEI charge for PayPal?

MONEI publishes PayPal's own fees under your own agreement (negotiated and paid directly to PayPal) + MONEI fee 0.20% + €0.10; MONEI One platform fee: €0.15 per day (VAT exempt, charged only in weeks with payments) for PayPal (Spain, online), read at source on 9 October 2026. That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does MONEI publish no price?

MONEI offers these payment methods without a published price (Spain, online): Diners Club, Discover, JCB, Mastercard, UnionPay, Visa.

Your rate

A published rate is the starting point, not the outcome

For a merchant with volume the published list is where the negotiation starts. The quoted rate decides what reaches your statement: the percentage and the fixed fee per transaction, the surcharges for international cards and currency conversion, how the rate is built for each payment method, and the terms on payouts, chargebacks and refunds. Two merchants with the same payment mix can be on the same list and pay different amounts.

EcomStream reviews a contract with MONEI on merchant mandate against what the market quotes for comparable volume and payment mix, and renegotiates it, without a change of provider, on a no cure no pay basis. Start with cutting your PSP costs, or run the payment set-up check on your own figures first.