MONEI card reader review 2026: tap to pay fees and rating
A payment institution licensed by the Banco de España (reg. 6911). Combines its own acquiring with payment orchestration: Bring Your Own Acquirer lets merchants plug in a third-party acquirer. The rate drops automatically with volume instead of through negotiation. SoftPOS is not a separate product line but a free feature of the same platform that runs the online gateway.
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
MONEI offers MONEI Pay (Tap to Pay on iPhone / Tap to Phone on Android) for iOS + Android. Transaction fee: on request; monthly fee: none. Security certification: PCI DSS. Available in: Spain.
MONEI terms in full
| Product name | MONEI Pay (Tap to Pay on iPhone / Tap to Phone on Android) |
|---|---|
| Provider type | Pure SoftPOS |
| Headquarters | Spanien (Málaga) |
| Founded | 2015 |
| Platforms | both (iPhone XS+ on iOS 17.4+; Android 8.0+ with NFC) |
| Certification | PCI DSS Level 1; ISO 27001; MPoC/CPoC not stated |
| Transaction fee | Interchange++: 0.90% + EUR 0.25 per transaction up to EUR 500,000 monthly volume, 0.60% up to 1m, 0.25% up to 5m, 0.15% above — plus interchange and scheme fees at settlement. Tap to Pay itself carries no surcharge. |
| Monthly fee | EUR 0, no monthly minimum; EUR 0.15 per day platform fee only when alternative payment methods are used |
| Setup cost | 0 EUR |
| Contract term | n/a |
| Cards accepted | Visa, Mastercard, Apple Pay, Google Pay |
| PIN entry on screen | n/a |
| Transaction limit | n/a |
| Target customers | SMEs with omnichannel needs, retail, hospitality, freelancers, public administration |
| Available markets | Spain |
| Website | monei.com |
| Data source | Open primary source ↗ |
Alternatives to MONEI
Comparable providers in Europe:
- Stripe — from 2.70% + 5 ¢, Rating 1.4
- Nexi (Nexi Group) — from 0.99%, Rating 1.6
- Viva.com — from 1.16%, Rating 1.6
- SumUp — from 0.99%, Rating 1.6
- myPOS — from 1.10%, Rating 1.6
Compare all providers in Europe →
Frequently asked questions
MONEI tap to pay: do I need any extra hardware?
No. MONEI is a pure SoftPOS provider — the app turns a phone you already own into the card reader, and there is no terminal to buy or rent. Supported platforms: iOS + Android.
Which countries is MONEI available in?
By our records: Spain. Availability changes, and the date above the table is when we last checked.