What Monri Payments does

Monri Payments d.o.o. is a privately held Croatian payment and fiscal-cash-register technology company headquartered in Zagreb that operates across 10 Southeast European markets (Croatia, Serbia, Bosnia and Herzegovina, Montenegro, Slovenia, North Macedonia, Albania, Kosovo, Romania, Moldova). The company sells a vertically integrated stack combining card payment processing — through its own payment gateways (WebPay, WSPay) with SecureVault tokenization, in-store POS terminals (SinglePOS), mobile SoftPOS, and the Monri Loop cashless system — with fiscal cash register software for the HoReCa industry, including the Remaris and Smart hospitality registers, the Thor retail register, the Start mobile register, and the January 2026-launched Remaris X with AI-powered business reports. The platform connects to 25+ financial institutions and is certified to PCI DSS v4.0.1 Level 1, PCI P2PE v3.2, and PCI 3DS, with compliance coverage for GDPR, DORA, NIS2, and the European Accessibility Act.

The company makes money through a mix of transaction-based fees on processed card payments (in-store and online), monthly gateway service fees indexed to CPI/PPI, sales and rentals of fiscal cash registers and POS hardware, event equipment rental (peak deployments of 1,100+ registers at festivals serving 500,000+ visitors), and ancillary services such as Omnizon e-invoicing and Euro authentication. Pricing is quote-based and not publicly disclosed; the go-to-market is consultative direct sales supplemented by partner channels and a network of six regional offices, with industry events (Money Motion conference, HoReCa trade shows) driving top-of-funnel demand. The customer base of 15,000+ merchants is concentrated in hospitality, retail, services, events, and increasingly sports venues, with the operational anchor being the 10,000+ active fiscal cash registers installed in the field. Leadership is split across Co-Founder and CEO Damir Čaušević and three other Management Board members (Marko Špegar, Hrvoje Habjanec, Viktor Olujić), and the company's general terms reference entities within the Asseco/Payten Group, suggesting a larger group affiliation.

Name

Monri Payments

Legal name

Monri Payments d.o.o.

Website

https://monri.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

Monri Payments is a Zagreb-based payment processor and fiscal cash register provider serving 15,000+ merchants across 10 Southeast European markets, combining PCI-certified card payment gateways (WebPay, WSPay) with HoReCa-focused cash register software (Remaris, Smart, Thor, Start) and event payment infrastructure.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industries

Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), Payouts, Disbursements & Marketplace Split Payments (CRAFALAI)

Keywords

• Payment processing
• Payment gateway
• POS solutions
• Fiscal cash registers
• Omnichannel payments

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Services: Transaction-based fees for processing card payments in-store and online. Monthly fees for payment gateway services with pricing adjusted by CPI/PPI inflation indexation.
2. Fiscal Cash Register Software: Sales and/or rental of fiscal cash register solutions including Remaris, Smart, Thor, and Start products with associated support services.
3. Event Equipment Rental: Rental of cash registers and POS equipment for events and festivals, with fully prepared devices including price lists, operators, fiscal certificates, and POS integration.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Monri Payments provides an integrated payment processing and cash register platform for merchants across Southeast Europe. The offering combines online payment gateways (WebPay, WSPay), in-store card acceptance (SinglePOS, SoftPOS), and a portfolio of fiscal cash register solutions (Remaris, Remaris X, Smart, Thor, Start) tailored to the HoReCa, retail, and service industries. The company serves 15,000+ merchants across 10 markets, acting as a one-stop shop combining payment acceptance, fiscalization, and back-office management.

Product overview

Monri Payments is a one-stop-shop payment and hospitality technology provider offering an integrated platform combining payment processing and cash register solutions. The portfolio consists of two main pillars: (1) Card payment solutions including Monri WebPay and WSPay online payment gateways, Monri SinglePOS for in-store POS terminals, Monri SoftPOS mobile application, and Monri Loop cashless system; and (2) Fiscal cash register solutions including Remaris (hospitality), Remaris X (new AI-powered generation), Smart (hospitality), Thor (retail), and Start (mobile), complemented by add-ons such as handheld terminals for waiters, self-service kiosks, electronic invoicing via Omnizon, and Euro authentication solutions. The company serves the HoReCa industry with both payment processing and operational management tools.

Differentiator

Problem solved

Functional benefit

Products and services

• Monri WebPay
• Monri WSPay
• Monri SinglePOS
• Monri SoftPOS
• Monri Loop (Cashless)
• Remaris
• Remaris X
• Smart
• Thor
• Start

Quantifiable outcome

• Over 10,000 active fiscal cash registers in use
• +4 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability7 records

Feature7 records

Partnerships

Six partnerships are on record, tiered flagship, core and minor.

• GNK DinamoflagshipStrategic or Co-development Partner · 29 December 2025Exclusive payment partnership for Maksimir Stadium, modernizing payment systems for one of Croatia's largest sports venues. This represents Monri's entry into sports venue payment solutions.
• VisacoreTechnology or Integration · 1 January 2025Visa provides the payment network infrastructure for Monri's card processing operations. Monri is a Validated Service Provider listed on Visa's Global Registry of Service Providers (BID: 10065905), enabling Visa card acceptance at merchant locations.
• MastercardcoreTechnology or Integration · 1 January 2023Mastercard is a key payment network partner enabling Monri's card processing services. Monri received a special recognition from Mastercard in 2023 for multi-sensory transaction confirmation, indicating a strategic technology partnership focused on payment innovation and differentiation.
• 25+ Financial InstitutionscoreTechnology or IntegrationPartnership with over 25 financial institutions in the EU and abroad enables Monri to process card payments from multiple banks and card issuers, providing comprehensive coverage for merchants.
• Zagreb Fair (Zagrebački Velesajam)minorStrategic or Co-development PartnerDuring major events, Monri's technical team temporarily relocates to Zagreb Fair facilities where they assemble, test, and integrate equipment for festivals, indicating a facilities partnership for event operations.
• Money Motion Conference PartnerscoreGTM or Marketing PartnerAnnual fintech conference Money Motion, co-founded by Monri's leadership, gathers 900+ companies and 3,000+ professionals from 20+ countries, serving as a platform for industry partnerships and thought leadership.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• CorvusPay: CorvusPay is a Croatian payment gateway and processor serving online and in-store merchants across SEE. Directly comparable to Monri's WebPay/WSPay online payments and SinglePOS offerings, with overlapping regional merchant base in Croatia, Bosnia, and Serbia.
• Payten (Asseco SEE): Payten is the SEE payments arm of Asseco — the same group referenced in Monri's general terms. Payten offers payment gateway, acquiring, and POS solutions across SEE with overlapping markets and product categories, including fiscal cash registers in some geographies.
• Stancer (Teya): Teya (formerly Teya/Stancer in SEE markets) provides payment processing and POS solutions for SMBs in Central and Eastern Europe, with a regional acquirer-and-gateway model closely paralleling Monri's offering to HoReCa merchants.
• myPOS: myPOS is a European SMB-focused payment processor offering POS terminals, online payment gateway, and business accounts across multiple European markets including SEE. It directly competes with Monri's SinglePOS, SoftPOS, and WebPay products among small merchants.
• SumUp: SumUp provides mobile POS terminals and payment acceptance for SMBs (restaurants, cafes, retail) across Europe, including SEE. Comparable to Monri's SoftPOS and SinglePOS offerings targeting the same HoReCa and small retail segments.

Broad incumbents

• Adyen: Adyen is a global omnichannel payment processor with a single-platform approach to in-store and online payments. While not specifically targeting SMB HoReCa, it competes for the same mid-market and enterprise merchants Monri targets via its 25+ financial institution partnerships.
• Stripe: Stripe is a global payment infrastructure provider serving online and in-person businesses. Its expanding European footprint and payment orchestration capabilities compete with Monri's WebPay/WSPay gateways and signal a long-term competitive threat in SEE online payments.
• Checkout.com: Checkout.com is a global payment processor with European roots and growing presence across the continent. Its enterprise-grade processing, orchestration, and acquirer connectivity compete with Monri's payment processing and gateway offerings for cross-border merchants in SEE.
• Worldline: Worldline is a major European payment processor and merchant acquirer serving retailers, hospitality, and online merchants. Its broad European infrastructure (including SEE through various subsidiaries) overlaps with Monri's HoReCa and retail processing business.

Emerging players

• Toast: Toast is a restaurant-specific POS and payments platform that, like Monri's Remaris/X stack, deeply integrates payments with restaurant operations (kitchen display, order management, analytics). It demonstrates the SaaS+payments model Monri is pursuing in HoReCa, providing a benchmark for vertical depth and ARPU.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@monripayments
• Facebookfacebook.com/MonriPayments
• LinkedInlinkedin.com/company/monripayments
• Instagraminstagram.com/monripayments
• Xx.com/MonriPayments

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

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 Monri Payments