MontyPay

What MontyPay does

MontyPay, operated by Monty Finance SAL (a Lebanon-registered entity headquartered in London with operational offices in Lebanon, the UK, Saudi Arabia, the UAE, and Jordan), is a multi-jurisdiction payment processing platform serving merchants in 50+ countries. Its product surface spans an online payment gateway, point-of-sale (POS) terminals, self-service checkout kiosks, and QCheck, a queue-management and self-service checkout product built for the hospitality vertical. The underlying stack supports 100+ payment methods and includes smart routing / cascading logic intended to optimize transaction routing across acquirers and methods.

The company monetizes primarily through transaction-based fees on processed payments, supplemented by adjacent merchant services including website development, digital marketing, and lending products — indicating a deliberate positioning as a one-stop SMB services provider rather than a pure payments utility. Distribution leverages a Shopify partnership for e-commerce merchant acquisition and a multi-country office footprint for in-person and enterprise sales across MENA. The platform is PCI DSS compliant, and the operating entity holds authorization from the Central Bank of Lebanon (BDL) as a financial institution, which is a precondition for regulated payment activity in the region but also a meaningful entry barrier for competitors.

The business model carries several structural risks worth flagging: reliance on a Lebanon-registered entity introduces jurisdictional and banking-continuity risk in MENA operations; the absence of disclosed funding rounds implies growth has been bootstrapped, which constrains the pace of geographic and product expansion; and the lack of named enterprise customers or disclosed transaction volume means revenue predictability cannot be assessed from public information.

Name

MontyPay

Legal name

Monty Finance SAL

Website

https://montypay.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

MontyPay is a multi-jurisdiction payment processor serving SMB merchants in 50+ countries with an online gateway, POS, self-service checkout, and QCheck (hospitality). It monetizes via transaction fees plus adjacent web, marketing, and lending services.

Ownership category

akta.pro rank

Product category

Payment Processing

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industry

Merchant Cross-Border Collections (Pay-ins) & Local Payment Methods (FSAGAKAD)

Keywords

• Online payment gateway
• Point of sale solutions
• Merchant payment processing
• Self-service checkout
• Hospitality payment solutions

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Services: Transaction-based fees charged to merchants for processing card payments, digital wallet transactions, QR payments, and other payment methods. Revenue scales with transaction volume.
2. Website Development Services: B2B and B2C website design, Shopify store development, and e-commerce implementation services offered as part of digital growth solutions.
3. Digital Marketing Services: Full-service digital growth including performance marketing, content creation, SEO, and social media management.
4. Lending Services: Merchant lending services providing financing solutions to MontyPay merchant customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

MontyPay is an all-in-one payment platform that processes online, in-store, and self-service transactions for merchants across 50+ countries. Its core products include an Online Payment Gateway, a MontyPay Point of Sale terminal, a Self-Service Checkout, and the QCheck hospitality checkout solution, with the platform supporting 100+ payment methods including cards, digital wallets, and QR pay.

Product overview

MontyPay is an all-in-one payment platform providing an omnichannel solution for merchants with global coverage across 50+ countries. The core platform consists of three main products: the Online Payment Gateway for digital commerce transactions, the MontyPay Point of Sale for in-store payments, and Self-Service Checkout for retail environments. These core offerings are supplemented by the QCheck hospitality-specific solution, Website Development services for Shopify-powered e-commerce stores, and integrated modules including Tokenization Service, Recurring Billing, Payment Links, Loyalty Program, Lending Services, Smart Analytics, and Risk Management. The platform also provides a Merchant Dashboard for real-time reporting and supports 100+ payment methods including cards, digital wallets, and QR payments.

Differentiator

Problem solved

Functional benefit

Brands

• QCheck: Self-service checkout solution for the hospitality industry enabling fast checkouts, bill settling, and menu viewing.

Products and services

• Online Payment Gateway Comprehensive online payment gateway enabling digital commerce transactions with support for 50+ countries, 100+ payment methods, smart routing and cascading, pay by link, customer invoicing, recurring bills, QR Pay, and installments. Designed for eCommerce merchants seeking omnichannel digital payment acceptance.
• MontyPay Point of Sale (In-Store Payments) In-store payment solution enabling cashless payments, card payments, QR payments, wallet payments, NFC transactions, and ECR integration for physical retail environments. Built for retailers and brick-and-mortar merchants.
• Self-Service Checkout Self-service checkout solution for retail environments designed to speed up sales and reduce queue times. Targeted at retail merchants seeking unattended or semi-attended payment acceptance.
• QCheck Hospitality-specific self-service checkout solution enabling fast checkouts (saves an average of 17 minutes per table), simple and secure payments, and seamless customer experience. Features include bill settling, menu checking, brand visibility enhancement, and tip boosting. Designed for restaurants, cafes, and hotels.
• eCommerce Services (Website Development and Digital Growth) Full-service website development offering website audit and cost analysis, B2B and B2C Shopify store design, payment gateway integration, and digital growth services including performance marketing, content creation, SEO, and social media management. Targeted at merchants needing end-to-end digital presence.
• Merchant Lending Services Financial services providing lending options for MontyPay merchant customers to support their business growth and working capital needs. Offered alongside the payment processing suite.

Quantifiable outcome

• Saves 17 minutes per table for hospitality merchants using QCheck

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature13 records

Partnerships

One partnership is on record.

• ShopifycoreTechnology or IntegrationMontyPay is a Shopify partner offering payment gateway integration and website development services. As a 'Trusted Shopify Logo Partner', MontyPay helps merchants create Shopify stores with integrated payment processing.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Tap Payments: MENA-headquartered payment gateway and processing platform serving online and in-store merchants in the same geographies as MontyPay. Closely comparable in product scope (online gateway, POS, multi-currency) and target SMB/enterprise segments.
• HyperPay: MENA payment gateway and acquiring processor offering online checkout, POS, and integration with regional wallets. Comparable to MontyPay in regional focus, payment-method breadth, and merchant onboarding model.
• PayTabs: MENA-founded payment gateway with international expansion serving SMB and enterprise merchants. Direct overlap in gateway, POS, and multi-currency capabilities across tier-1 and emerging markets.
• Geidea: Saudi-based payment solutions provider offering POS, gateway, and merchant services across MENA. Direct competitor in KSA and UAE with overlapping SMB and enterprise merchant focus.

Broad incumbents

• Network International: Largest MENA payment processor and acquirer with broader merchant services, issuing, and processing offerings. Overlaps with MontyPay's gateway and POS capabilities but at materially greater scale and capital base.
• Checkout.com: Global payment gateway with strong MENA presence, offering merchant acquiring, gateway, and processing. Comparable technology stack and multi-currency capabilities, but materially larger scale and developer ecosystem.
• Stripe: Global payment infrastructure platform with comprehensive developer APIs, gateway, and processing. Comparable core product, but with vastly broader scale, capital base, and developer adoption.
• Adyen: Global unified payments platform combining gateway, acquiring, and POS. Comparable omnichannel architecture and enterprise focus, but at materially higher scale and listed-company capital base.
• Amazon Payment Services (PayFort): MENA-focused payment gateway (formerly PayFort, owned by Amazon) serving online merchants with similar gateway and checkout capabilities. Closely comparable in regional target market and product scope.

Regional players

• Thawani: Oman-based payment gateway and processor targeting regional merchants with online and in-store payment solutions. Comparable gateway and payment-method support, with primary geographic focus on Oman and adjacent Gulf markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/montypay
• LinkedInlinkedin.com/company/montypay

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 MontyPay