Payline by Monext

What Payline by Monext does

Monext (operating as "Payline by Monext") is a France-headquartered, privately-held payment services provider founded in 1996 and operating from Aix-en-Provence with 101–250 employees. The company delivers a unified B2B payment platform spanning online acceptance, in-store/POS, and omnichannel orchestration, combined with card acquiring and card issuance services usable across Europe. Its product portfolio is organized as three core products (Paiement en ligne, Paiement en magasin, Paiement omnicanal), two card services (Émission de cartes, Acquisition), and feature modules including payment links, recurring payments, Smart Display, and Buy Now Pay Later, all exposed through a REST API with public documentation and a GitHub presence.

Monext serves merchants across seven dedicated verticals — Travel & Tourism, Events, Sport & Culture, Grande Distribution, Gaming, Mobility, and Fashion/Home Décor — with named enterprise customers including PMU (26,000 terminals, 300,000 wallets), Sarenza (9 countries), CGR Cinémas, WeezEvent, and Florajet. The platform is distributed via direct enterprise sales, a self-serve SMB subscription at €39.99/year, and pre-built connectors for Shopify, WooCommerce, PrestaShop, Sylius, Salesforce Commerce Cloud, and Hyvä, and supports card schemes and wallets including Visa, Mastercard, Carte Bancaire, Apple Pay, and PayPal.

The business model is anchored on transaction/take-rate fees on processed volume, supplemented by subscription fees and card-issuing service revenue. The company claims to process "billions of transactions" across its platform. It is led by CEO Frédéric Diverrez, has no disclosed external funding rounds, and is structured as a private French payment institution.

Name

Payline by Monext

Legal name

Monext

Website

https://payline.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

101–250 employees

Short description

Monext (Payline by Monext) is a French B2B payment services provider offering online, in-store, and omnichannel payment processing, plus card acquiring and issuance, to merchants across seven verticals including travel, events, gaming, and retail across Europe.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Credit Card Issuing (52221)

akta.pro primary industry

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

akta.pro secondary industry

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Online payment processing
• Omnichannel payment solutions
• Card issuing services
• Merchant acquiring services
• Payment gateway platform

Headquarters

HQ city

Aix-en-provence

HQ country

France

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales

Revenue model

1. Transaction / Take Rate: Monext earns a percentage fee on each payment transaction processed through its platform, both for online and in-store payments. This is the primary revenue driver, with pricing tiers reflecting transaction volume.
2. Subscription / Service Fees: Annual subscription fees for access to the payment platform and services, with a base plan from €39.99 per year for merchants.
3. Card Issuing Services: Fees associated with issuing virtual, mobile, and physical cards to business clients, generating revenue per card issued or per transaction on issued cards.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Monext provides a unified B2B payment platform enabling merchants to accept and process payments across online, in-store, and omnichannel environments, including card acquiring and card issuance services. The company processes billions of transactions for merchants in seven verticals (Travel & Tourism, Events, Sport & Culture, Retail/Grocery, Gaming, Mobility, and Fashion/Home), with a €39.99/year base subscription and volume-based transaction fees.

Product overview

Monext operates as a B2B payment solutions provider offering a modular portfolio of three core payment products — Paiement en ligne (online), Paiement en magasin (in-store), and Paiement omnicanal (omnichannel) — alongside two card-centric services (Émission de cartes and Acquisition) and four feature modules (Paiement par lien, Paiement récurrents, Smart Display, Buy Now Pay Later). The offering is architected as a unified platform enabling merchants to manage the full payment chain from acceptance through to bank account settlement, with support for multiple channels and payment methods.

Differentiator

Problem solved

Functional benefit

Brands

• Updat'r by CB: Card update service mentioned in customer case study with CGR Cinemas for updating cards and recovering revenue.

Products and services

• Paiement en ligne (Online Payment) Comprehensive online payment acceptance solution that integrates cards, digital wallets, and alternative payment methods into a single platform to maximize conversion rates for merchants.
• Paiement en magasin (In-Store Payment) In-store payment solution combining contactless, mobile, and physical card acceptance to optimize costs and transform the point of sale into a differentiated customer experience.
• Paiement omnicanal (Omnichannel Payment) Unified omnichannel payment strategy with a single management portal that delivers consistent cross-channel experiences and adapted payment journeys across online and physical channels.
• Émission de cartes (Card Issuance) Card issuance and management service supporting virtual, mobile (digital wallet), and physical cards usable throughout Europe, targeted at businesses seeking to issue branded payment cards across all sectors.
• Acquisition (Card Acquiring Services) Card transaction acquiring services enabling merchants to accept and process card payments, providing the infrastructure from transaction acceptance to funds settlement on the merchant's bank account.

Quantifiable outcome

• WeezEvent achieved +49.7% volume growth per year and 100+ transactions per second with Monext
• +4 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature8 records

Partnerships

Ten partnerships are on record, tiered core.

• ShopifycoreTechnology or IntegrationMonext offers a native integration app listed on the Shopify App Store, enabling Shopify merchants to connect Monext as their payment provider for online checkout processing. This partnership targets e-commerce merchants seeking a seamless, no-code payment integration within Shopify's platform.
• WooCommercecoreTechnology or IntegrationMonext provides a pre-built WooCommerce payment plugin, allowing WordPress/WooCommerce store owners to accept payments via Monext's payment gateway with minimal configuration.
• PrestaShopcoreTechnology or IntegrationMonext offers a native PrestaShop payment module enabling PrestaShop merchants to integrate Monext's online payment acceptance, including support for multiple payment methods and conversion optimization features.
• SyliuscoreTechnology or IntegrationMonext provides a Sylius payment plugin for the Sylius e-commerce platform, allowing merchants on this Symfony-based solution to integrate Monext as their payment gateway.
• Salesforce Commerce CloudcoreTechnology or IntegrationMonext integrates with Salesforce Commerce Cloud (SFCC), enabling enterprise merchants operating on SFCC to connect Monext's payment processing and omnichannel capabilities directly within Salesforce's commerce ecosystem.
• Apple PaycoreTechnology or IntegrationMonext supports Apple Pay as a payment method on its platform, enabling merchants to accept Apple Pay transactions. Customer case studies (Florajet: 14% of sales; Sarenza: 96% success rate) demonstrate significant Apple Pay adoption driven by Monext's integration.
• MastercardcoreTechnology or IntegrationMonext enables Mastercard payment acceptance for its merchant clients, processing Mastercard card transactions as part of its acquiring services.
• PayPalcoreTechnology or IntegrationMonext integrates PayPal as a payment method, allowing merchants to accept PayPal payments through the Monext platform alongside card and alternative payment methods.
• VisacoreTechnology or IntegrationMonext enables Visa payment acceptance for its merchant clients as part of its card acquiring infrastructure.
• Carte Bancaire (CB)coreTechnology or IntegrationCarte Bancaire (the French national card scheme) is a core payment method supported by Monext, particularly for merchants operating in the French market. Monext also integrates CB's Updat'r service for automatic card data updates.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Adyen: Adyen is a global omnichannel payment platform offering unified online, in-store, and platform payments for enterprise merchants. As a broad incumbent, it competes with Monext in European enterprise acquiring and omnichannel payments but operates at significantly larger scale and with broader geographic coverage.
• Stripe: Stripe is a global payment infrastructure provider offering online payment processing, billing, and developer tools to businesses of all sizes. It competes with Monext across the European merchant spectrum with a superior developer experience and a much larger product portfolio, representing the dominant competitive threat.
• Checkout.com: Checkout.com is a global payment processor offering acquiring, digital wallets, and financial services to enterprise merchants and platforms. As a London-headquartered global PSP, it competes with Monext in European enterprise acquiring and digital payments with a broader geographic and product footprint.

Direct peers

• HiPay: HiPay is a French payment service provider offering online payment processing, fraud management, and merchant services across Europe. It is a highly comparable mid-market French PSP serving similar e-commerce and omnichannel merchant segments with a comparable product footprint.
• SumUp: SumUp is a European fintech offering card acceptance, POS terminals, and merchant banking services to small businesses across Europe. While SMB-focused rather than mid-market, it competes with Monext in European in-store and online merchant payment acceptance.
• PayPlug: PayPlug is a French payment service provider (owned by Ingenico/Worldline) offering online payment acceptance, in-store solutions, and merchant tools to SMBs and mid-market merchants. Its French base, merchant focus, and omnichannel ambition make it a close comparable to Monext in size and target customer.
• PPRO: PPRO is a European payments infrastructure provider enabling PSPs and merchants to access local payment methods globally. It is comparable to Monext's local payment method integration capability and serves similar European merchant and PSP clients with cross-border payment orchestration.
• Mollie: Mollie is a European payment service provider based in the Netherlands, offering multi-method payment processing, subscriptions, and merchant tools to SMBs and mid-market merchants. It competes directly with Monext in European e-commerce payment acceptance and developer-led onboarding.
• Worldline: Worldline is a French-headquartered global payment processor and merchant acquirer offering card acquiring, payment processing, and digital services across Europe. It is the most direct large-scale competitor to Monext, sharing a French base, European focus, and full-stack acquiring-plus-issuing capabilities.

Emerging players

• Lemonway: Lemonway is a French fintech offering payment account management and marketplace payment solutions across Europe. It is comparable to Monext in French origin and European focus, with a specialized niche in marketplace and platform payment services rather than broad merchant acquiring.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/paylinebymonext

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Payline by Monext