Moneynet

Moneynet: Overview For Merchants

If you sell in Italy and want a single partner for in-store and remote payments, Moneynet provides acquiring with smart POS, e-commerce processing, Pay by Link, and MOTO.

What Moneynet Is

Moneynet is an Italian payment institution that serves businesses with point-of-sale acquiring and online payments. You can accept major debit, credit, and prepaid cards in store and remotely. For stores, Moneynet supplies an Android smart POS with maintenance and support. For remote payments, you can integrate an e-commerce solution, send payment links, or key card data for MOTO orders.

Moneynet also offers payment accounts for small businesses and corporates, plus value-added services like bill payment, gift and loyalty programs, employee welfare cards, and meal vouchers. The company is headquartered in Palermo and is part of IVS Group S.A.

Moneynet Payments In Store: OnPos

OnPos is Moneynet’s full-service POS offering. It combines acquiring, hardware, and assistance.

Hardware And Connectivity

• Android smart POS with integrated camera

• Wi-Fi connectivity and a bundled 4G SIM so you can take the POS anywhere

• Option to connect to your LAN if your shop has no Wi-Fi

• Contactless wallets shown as supported, including Apple Pay and Google Pay

Account Flexibility

• You do not need a Moneynet current account to use OnPos

• You can settle to an account at any bank

• You can route payouts to multiple bank accounts and select the account at each transaction

• Shared POS option: multiple VAT numbers can share one terminal in the same location.

OnPos Pricing Options

Moneynet publishes several options so you can match fees to your turnover profile.

OnPos 001

• Activation and POS supply: €0

• Monthly fee: €0

• Commission: 1 percent per transaction

• Offer valid for annual card turnover equal to or above €25,000

OnPos FIX

• You pick a tier based on annual POS turnover. Smart POS is included.

Tiers shown by Moneynet:

• Up to €30,000 per year: FIX25

  • Service fee: €25 per month

  • Transaction commissions: €0

  • Smart POS fee: €0

  • Activation: €50

• Up to €100,000 per year: FLASH

  • Service fee: €0 per month

  • Smart POS fee: €10 per month

  • Published card rates:

    • Bancomat 0.49%

    • Debit and prepaid 0.73%

    • Credit 0.85%

  • Activation: €50

• More than €100,000 per year: FREE

  • Service fee: €0 per month

  • Smart POS fee: €0

  • Published card rates:

    • Bancomat 0.45%

    • Debit and prepaid 0.69%

    • Credit 0.79%

  • Activation: €0

These plans include assistance and maintenance for the terminal. Moneynet notes that offline activation may have additional costs and refers merchants to its information sheets for details.

Moneynet Payments At A Distance: OnLine

OnLine is the remote payments suite for e-commerce and payments without a website.

What You Can Do

• E-commerce checkout: integrate a customizable online payment form

• Pay by Link: send a payment URL via social, email, chat, SMS, or on invoices using OnLink

• MOTO: process mail or telephone orders on a POS by keying customer card data using OnMoto

• Alternative methods: Moneynet indicates you can request activation of principal alternative payment methods

• Plugins: built-in plugins are available to connect with your site

• Dashboard: an online back office to configure services and track performance

OnLine Pricing

Moneynet publishes a single transparent option called OnLine Unique:

• Activation and configuration: €0

• Monthly fee: €0

• Card commissions:

  • European cards: 1.40% + €0.15

  • Non-European cards: 2.40% + €0.15

The OnLine package includes access to the dashboard for monitoring and configuration.

Value-Added Services For Stores

If you want to increase footfall or add services, Moneynet lists several VAS products that can be enabled, typically on the same smart POS:

• Pagamento Bollettini: accept post office bills, MAV, RAV, and pagoPA payments

• Ricariche tecnologiche: top-ups for mobile, pay TV, gaming, and more

• Gift Card: branded gift cards for your shop or local circuits

• Fidelity Card: points and discounts for customer loyalty

• Borsellino Elettronico: closed-loop e-wallets, including local circuits

• Servizi Welfare: welfare cards for employees and customers

• Buoni Pasto: accept meal vouchers on a single POS app for main issuers

• Moneyback: percentage cashback vouchers redeemable on future purchases

These can help you expose additional payment flows and loyalty mechanisms from the same terminal.

Accounts And Corporate Features

Outside of acquiring, Moneynet also markets:

• Small Business payment account: to manage business spending and payments simply

• Corporate payment account: multi-bank, multi-user, multi-company with CBI connectivity

If you run multi-entity operations or need CBI for treasury processes, the corporate account can centralize initiation and visibility. You can activate these accounts separately from acquiring if preferred.

Security And Compliance

• Moneynet publishes a PSD2 TPP section that includes interface specifications and availability statistics for dedicated interfaces.

• The site hosts PSD2 documentation and sandbox access details for third parties.

For merchants, this indicates the provider maintains the regulatory interfaces required under PSD2 and offers controlled access for third-party testing. Security specifics like 3-D Secure configuration and PCI certification scope are not detailed on the public pages referenced below. If you need PCI scope confirmation or SAQ guidance, consult Moneynet’s transparency documentation or request official attestations.

Integration Options

• Plugins for e-commerce: Moneynet states embedded plugins are available to streamline integration

• Custom tools: the OnLine suite can be tailored with personalized tools for your store

• Pay by Link and MOTO to capture remote payments without a web checkout

• Apple Pay and Google Pay support in store, visible in OnPos materials

If you already use a CMS or cart, ask Moneynet which plugins are officially supported and how updates are maintained. For API access, request technical documentation and test credentials from Moneynet’s team.

Pricing Summary

To compare options quickly:

• In store, low to moderate turnover: OnPos 001 keeps it simple with 1 percent per transaction and no fixed fees, subject to the published annual turnover condition.

• In store, predictable lower turnover: OnPos FIX25 trades a €25 monthly fee for zero per-transaction commissions.

• In store, scaling turnover: OnPos FLASH and FREE publish card-type pricing with no service fee, varying smart POS fees, and lower percentage rates at higher volumes.

• Online: OnLine Unique offers zero fixed fees and two published card commission bands based on card region.

Always confirm the latest information sheets for any additional charges such as chargebacks, refunds, terminal replacement, or feature add-ons. Moneynet explicitly refers merchants to its transparency section for complete conditions.

Who Moneynet Fits

Choose Moneynet if you want:

• A single partner to cover smart POS, e-commerce, Pay by Link, and MOTO in Italy

• Published price points you can model without custom quotes

• A shared POS setup for multi-tenant locations or coworking studios

• Settlement to accounts at your chosen bank, including multi-account routing

• Optional retail VAS like bill pay, loyalty, gift cards, and welfare services on the same terminal

If you need advanced omni-channel tokenization, multi-currency settlement, or detailed risk tools, request technical documentation and service descriptions since those specifics are not shown on the pages referenced here.

Key Takeaways

• Moneynet provides both POS acquiring and online payments with published plans.

• OnPos includes hardware, assistance, and flexible settlement options.

• OnLine covers e-commerce, Pay by Link, and MOTO with a single and transparent rate banding by card origin.

• Value-added retail services can be layered on the same device.

• Examine the Transparency documents for complete terms and any additional costs.