Moneder

What Moneder does

Moneder (legal entity: Fidelización Moneder, SLU; NIF B67204396) is a Spanish SaaS company founded in 2018 and headquartered in Manlleu, Barcelona, that provides a cloud-based, multi-tenant platform for the digitalization of local commerce at municipal scale. The platform combines four core products — a configurable loyalty engine (Fidelización), a municipal-branded marketplace, individual ecommerce storefronts linked to that marketplace, and an integrated POS — complemented by modular add-ons for payments, reservations, CRM/communications, geolocation-based business directories, and API integrations with municipal systems (parking, recycling, carriers). It serves three primary customer segments: Spanish municipalities (ayuntamientos) seeking to support local commerce against e-commerce and large retail, merchant associations (asociaciones de comerciantes) pooling digital tools for member businesses, and individual local retail and hospitality SMBs. Moneder also operates Moneder Freemium, a free tier for unaffiliated individual establishments, and Moneder.market, a global marketplace aggregating products across all municipal deployments. The company employs 11–50 staff and reports 3,689 commerce establishments, 262,417 registered end customers, and €64.5M in cumulative platform-processed sales.

Moneder monetizes through multiple streams: tiered SMB subscriptions (free, €10/month Basic, €50/month Premium) with product-count-based limits; annual municipal/association platform fees priced by population or establishment count with à-la-carte modules; a 3% TPV processing commission on the free tier; managed marketplace services on behalf of municipalities; and project-based digitalization work delivered as an authorized agent under Spain's Kit Digital program (EU Next Generation EU funds), where solutions range from €500 to €12,000 per company. Distribution combines direct sales to municipalities and associations, self-service freemium onboarding via web.moneder.cat, the government-subsidized Kit Digital channel, and an associated ecosystem of Javajan-owned platforms (Mercagest for markets, YesWeTicket/Ticketara for events) that interoperate with Moneder and provide additional adjacent functionality. Technical integration partners include Correos (shipping), PayPal, and Bizum for payments. Leadership is founder-led by Jan Bover (founder & CEO); no institutional funding rounds or parent company are disclosed.

Name

Moneder

Legal name

Fidelización Moneder, SLU

Website

https://moneder.es

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Moneder is a Spanish SaaS company providing a cloud-based loyalty, marketplace, ecommerce, and POS platform for municipalities, merchant associations, and local SMBs, primarily in Catalonia. It monetizes via tiered subscriptions, municipal fees, TPV commissions, and Spain's Kit Digital subsidies.

Ownership category

akta.pro rank

Product category

Local Commerce SaaS Platform

NAICS

Software Publishers (513210), Software Publishers (5132)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Marketplace APIs & API Monetization Platforms (BPAMAOAM)

akta.pro secondary industries

Billing, Subscription & Entitlement Management (IAP orchestration) (MPAFAJAC), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Customer loyalty platform
• Local commerce SaaS
• Municipal marketplace software
• SMB ecommerce POS
• Digitalization agent services

Headquarters

HQ city

Manlleu

HQ country

Spain

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription Plans (Freemium Tiers): Tiered subscription model with free, basic (€10/month), and premium (€50/month) tiers for individual establishments. Free tier includes limited products (100), basic offers 500 products, premium offers 5000 products. Each tier includes POS and design customization options.
2. Municipal/Association Platform Fees: Pricing based on number of inhabitants or number of commerce establishments. Additional modules for loyalty, marketplace, ecommerce, payment, communication, reservations, support, and integrations available as add-ons.
3. TPV/Payment Processing Commission: Moneder offers its own virtual TPV with monthly settlements to stores, charging a commission (3% for free tier). Ecommerce transactions can use Moneder TPV with commission or merchant's own TPV.
4. Marketplace Management Services: Option for Moneder to manage the marketplace on behalf of municipalities, handling promotion and operations as professionals acting in the municipality's name.
5. Kit Digital Digitalization Solutions: As authorized digitalization agent, Moneder offers subsidized digital solutions through the Spanish Kit Digital program (Next Generation EU funds) ranging from €500 to €12,000 per company depending on size.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Moneder provides a cloud-based multi-tenant SaaS platform combining customer loyalty, municipal marketplace, ecommerce, and POS solutions for local commerce. Its ecosystem connects municipalities, merchant associations, individual retailers, and end consumers through configurable reward currencies, branded municipal marketplaces, integrated online stores with offline-capable POS, and CRM communication tools. The platform is offered via tiered subscriptions (free, €10/month, €50/month), municipal/association fees scaled by population, and subsidized distribution through Spain's Kit Digital program.

Product overview

Moneder is a unified platform-plus-modules ecosystem for local commerce digitalization, consisting of three core interconnected products: (1) Fidelización (Loyalty Platform) - the central customer retention engine allowing merchants to reward purchases with configurable percentages; (2) Marketplace - municipal-level digital showcase grouping all local businesses with their own branded domain; and (3) Ecommerce (+POS) - individual online stores with free integrated point-of-sale management. These core products are complemented by optional modules including Pago (payment processing for rewards), Reserva (appointment/table reservations), Comunicación (CRM and multi-channel messaging), Información (municipality-branded web/app), POS (physical store management), Integración (API connections to municipal systems), and Soporte (implementation support). The ecosystem is accessible to individual merchants via the Moneder Freemium sub-brand, supported through Kit Digital subsidies, and products gain global visibility through Moneder.market. The platform enables complete digitalization of local commerce from customer acquisition through loyalty management to online/offline sales.

Differentiator

Problem solved

Functional benefit

Products and services

• Fidelización (Loyalty Platform) Customer loyalty platform enabling merchants to reward customers with configurable percentages of each sale amount. Customers accumulate virtual euros or points redeemable for future purchases. Supports multiple identification methods (loyalty cards, personal data, mobile app) and various reward types including gratifications, sorteos, promotions, gift cards, and prize catalogs. Designed for local retailers and merchants organized through municipal loyalty ecosystems.
• Marketplace Municipal marketplace platform grouping local establishments into a single branded website with the municipality's own domain. Each municipality gets its own marketplace enabling local products and services to be visible and purchasable online while maintaining local identity. Supports up to 5,000 products per commerce with customizable design and parameterization.
• Ecommerce (+POS) Custom online store with personalized image and domain for each commerce, linked to the municipal Marketplace. Includes product and stock management (up to 5,000 products per commerce), multiple payment options (TPV, PayPal, bank transfer, in-store payment), and integration with Correos.es shipping API. Bundled with a free POS program for physical store management with offline capability.
• Moneder Freemium Freemium loyalty and ecommerce offering for individual establishments not affiliated with any merchant association. Available free of charge or with optional paid upgrade packs. Includes a free online store linked to Moneder.market with expandable features and functionality.
• Dinamización Comercial (Commercial Activation Service) Custom commercial activation strategy service executed by Moneder technicians alongside municipalities and associations or autonomously by the entity. Includes needs assessment, trust-building with local commerce, and implementation of loyalty platform strategies to boost local commerce prosperity.
• Soporte (Support Service) Implementation support service including training, webinars, manuals, video tutorials, and ongoing incident resolution support for entity managers deploying and operating the Moneder platform.
• Kit Digital (Digitalization Agent Service) Authorized digitalization agent service for the Spanish government's Kit Digital subsidy program (100% subsidized via Next Generation EU funds), offering digital solutions across 10 categories: websites, ecommerce, social media management, CRM, business intelligence, process management, electronic invoicing, virtual office, SEO, and marketplace. Solutions range from €500 to €12,000 per company depending on size.
• Moneder.market Global online marketplace promoting products from all municipal marketplaces and online stores in a single global showcase, expanding local commerce visibility beyond individual municipality boundaries to a worldwide audience.
• Pago (Payment Module) Payment processing add-on enabling merchants to collect money from customer rewards including gratifications, sorteos, social aids, discount vouchers, subsidies, and social currencies. Supports parameterizable local currencies with configurable expiration, exchange percentages, and minimum purchase amounts. Optional blockchain integration for enhanced security and traceability; includes TPV integration with automatic bank transfers.
• Reserva (Reservations Module) Reservation management add-on allowing customers to book day/time slots at restaurants, hotels, hairdressers, and dentists via app. Includes optional offer/menu reservation, email/SMS confirmation, reservation history, and customer review functionality.
• Comunicación (Communication Module) CRM and communication add-on enabling managers and merchants to engage customers via newsletters, SMS, and push notifications. Includes customer profile creation, segmentation, automatic messages on balance/purchases, and includes 500 SMS plus 10,000 emails annually.
• Información (Information Module) Web and mobile app platform personalized for each municipality where merchants can promote products and services directly. Includes iOS/Android app, sector-classified merchant listings, geolocation, customizable business profiles with contact data, hours, images, videos, and social media links.
• Integración (Integration Module) API and webservice integration add-on enabling connection with other municipal programs and platforms such as parking zones (zona azul), recycling centers (punto limpio), local carriers, RSS feeds, and other municipal services.

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability6 records

Feature8 records

Partnerships

Two partnerships are on record, tiered core and flagship.

• Javajan (Serveis d'Internet Javajan SL)coreTechnology or IntegrationJavajan is a related company (same address) providing web development, design, and programming services. They developed the Moneder platform and offer additional services including web apps, marketing, and SEO. Javajan also provides related platforms like Mercagest (market management) and ticketing solutions (yesweticket.com, ticketara.com) that integrate with Moneder.
• Kit Digital / Gobierno de EspañaflagshipStrategic or Co-development PartnerMoneder is an authorized digitalization agent (agente digitalizador) for Spain's Kit Digital program, funded by EU Next Generation EU. This enables Moneder to offer fully subsidized digital solutions to Spanish SMEs through the government program. Solutions range from €500 to €12,000 per company based on size and category.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Toast: Restaurant commerce platform combining POS, payments, online ordering, and loyalty. Comparable to Moneder's hospitality/reservation modules and local merchant TPV offering.
• Square (Block): Payments, POS, ecommerce, and loyalty tools for SMBs. Overlaps with Moneder's TPV, POS, and loyalty offerings; targets similar small-business customers in Western markets.
• Vend (by Lightspeed): Cloud POS and retail management for SMBs, now part of Lightspeed. Comparable to Moneder's POS module and inventory-linked ecommerce functionality.
• Shopify: Global SMB ecommerce and POS platform. Comparable to Moneder's ecommerce + POS module and competes for the same local SMB customer, but at vastly greater scale and with no municipal-government specialization.
• Lightspeed Commerce: Unified commerce and POS platform for retail and hospitality SMBs across Europe. Closely comparable to Moneder's POS + ecommerce + payment stack for local merchants.

Direct peers

• Fivestars: Customer loyalty and marketing automation platform for local SMBs. Direct overlap with Moneder's loyalty engine, multi-channel CRM (SMS/email/push), and rewards-configuration capabilities.
• Smile.io: Loyalty, referral, and VIP programs for SMB ecommerce brands. Competes with Moneder's loyalty platform and community-led commerce activation use cases.
• LoyaltyLion: Loyalty and rewards platform built for ecommerce merchants. Highly comparable to Moneder's loyalty product including point/reward configuration, customer identification, and CRM communications.

Emerging players

• Yotpo: Ecommerce marketing platform with loyalty, reviews, and SMS modules. Adjacent competitor to Moneder's communication suite and loyalty stack.
• Stampede (Hospitality Loyalty): Digital loyalty and marketing platform for hospitality and local merchants. Comparable to Moneder's municipal loyalty offering for restaurants and proximity commerce.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/monedercat
• Facebookfacebook.com/monedercat
• LinkedInlinkedin.com/company/monedercat

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 Moneder