Moneynet

What Moneynet does

Moneynet S.p.A. is an Italian hybrid Payment Institution authorized by Banca d'Italia since May 2012 (operating since 1991), headquartered in Palermo with regional technical operations across 11+ Italian regions. The company provides electronic payment processing for small and medium businesses, large retail chains, condominium administrators, banks, and consumers through a portfolio built around four product lines: OnPos (Android smart POS terminals including the Apos A8 device in partnership with Ingenico/Worldline), OnLine (e-commerce and remote payment gateway with plugins for PrestaShop, WooCommerce, and Magento), POP (a Point of Payment agency network processing over 20,000 payable beneficiaries including MAV, RAV, and PagoPA), and Monni (a corporate welfare voucher program with 750+ South Tyrol merchants). Technical differentiators include POS Condiviso (multi-IBAN shared terminals) and POS Condominio (multi-fiscal-code condominium collection), with integrated VAS spanning loyalty, gift cards, electronic wallets, technology recharges, and moneyback programs.

Moneynet monetizes through a tiered pricing model: subscription fees for POS rental (€10–€25/month depending on merchant turnover), transaction-based commission rates (0.45–1.40% depending on card type and volume tier), and fees on value-added services. Distribution combines direct field sales agents, a self-service onboarding portal, channel partnerships with banks and trade associations (Confcommercio, Confesercenti), POP retail agencies, and e-commerce platform integrations. The company operates under the direction and coordination of IVS Group S.A. and has expanded into cross-border European acquiring through a March 2025 partnership with Shift4.

The business sits at the intersection of payment acquiring, bill payment aggregation, and corporate welfare distribution in the Italian market, with regulatory authorization, regional technical infrastructure, and an integrated VAS-on-POS stack as its core positioning versus larger acquirers such as Nexi, Worldline, and Stripe.

Name

Moneynet

Legal name

Moneynet S.p.A.

Website

https://moneynet.it

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

101–250 employees

Short description

Moneynet S.p.A. is an Italian Bank of Italy-authorized Payment Institution providing electronic payment processing (POS, e-commerce, bill payment) and corporate welfare services (Monni) to SMBs, merchants, condominium administrators, and consumers across Italy.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

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

akta.pro secondary industries

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Electronic payment processing
• POS terminal services
• E-commerce payment gateway
• Corporate welfare vouchers
• Payment institution services

Headquarters

HQ city

Palermo

HQ country

Italy

HQ region

Europe

Offices12 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing / Acquiring: Transaction-based fees from processing card payments through POS terminals and e-commerce platforms. Commission rates vary by card type (Bancomat, debit, credit) and merchant turnover tier.
2. VAS Services: Value-added services including bollettini (bill payment), technology recharges, electronic wallets, loyalty cards, gift cards, welfare services, and moneyback programs generate additional per-transaction or subscription fees.
3. POS Rental and Leasing: Monthly fees for POS terminal rental (Smart POS Android) ranging from €10-25 depending on merchant tier and turnover volume.
4. Payment Accounts: Payment account services (Conto di Pagamento) with associated fees for business and consumer customers, including account opening fees and transaction charges.
5. POP Agency Fees: Revenue from POP (Point of Payment) agencies that pay activation fees (€99) and monthly fees (€5.90) to offer bill payment services, earning €0.70 per cash bill paid.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Moneynet is an Italian Hybrid Payment Institution that processes electronic payments for businesses and consumers through a portfolio of services including Android smart POS terminals (OnPos), an e-commerce payment gateway (OnLine), bill payment agency services (POP), corporate welfare vouchers (Monni), and value-added services such as loyalty programs, gift cards, and technology recharges. It is authorized by Banca d'Italia as a Payment Institution and operates under the direction and coordination of IVS Group S.A.

Product overview

Moneynet is an Italian Hybrid Payment Institution authorized by Banca d'Italia offering an integrated portfolio of electronic payment solutions spanning both physical and digital channels. The core product ecosystem includes OnPos (smart Android POS terminals for in-store payments), OnLine/OnMoto/OnLink (e-commerce and remote payment solutions), and POP (bill payment services at third-party agent locations). The Monni corporate welfare card (physical and digital) addresses employee benefits for South Tyrol businesses. VAS add-ons encompass loyalty programs (Fidelity Card), Gift Cards, electronic wallets, technology recharges, and welfare services, all activatable on POS terminals. Account services include business and consumer payment accounts with home banking. The platform operates through partnerships with Shift4 (cross-border payments), Ingenico/Worldline (hardware), and integrates with major e-commerce platforms (Prestashop, WooCommerce, Magento) via native plugins.

Differentiator

Problem solved

Functional benefit

Brands

• Monni: Corporate welfare service offering vouchers and benefits for employees, developed in partnership with Unione Commercio Turismo Servizi Alto Adige. Available as physical card or digital app (Monni Digital) for use in over 750 businesses in South Tyrol.
• Monni Digital
• POP (Point of Payment)
• OnPos
• OnLine
• M-House

Products and services

• OnPos Android-based smart POS terminal service for in-store electronic card payments. Supports all major debit, credit, and prepaid cards (PagoBancomat, Visa, Mastercard, Amex, Diners, JCB) and contactless, with portable 4G and WiFi connectivity, integrated camera, and multi-service App capability. Designed for Italian merchants and businesses of all sizes.
• OnLine E-commerce and remote payment gateway enabling online card payments through native plugins for PrestaShop, WooCommerce, and Magento, or custom API integration. Includes a transaction management dashboard and supports 3D Secure authentication. Targets merchants and e-commerce businesses needing to accept card payments online.
• OnMoto Mail Order / Telephone Order (MOTO) payment service for merchants to process card transactions remotely using card data provided directly by the customer. Designed for sales via email or phone without physical card presence.
• OnLink (Pay By Link) Standalone payment gateway enabling merchants to accept remote payments via shared payment links sent through email, social media, chat, SMS, or invoices without requiring an e-commerce website.
• POP - Pagamento Bollettini Bill payment agency service (POP - Point of Payment) allowing third-party retail agents to accept payments for postal bills (bollettini), MAV, RAV, and PagoPA notices on behalf of over 20,000 beneficiaries including Public Administrations, phone companies, gas/electricity providers, condominiums, and public/private entities. Supports cash and card payments.
• Monni Corporate welfare card and digital voucher solution developed with Unione Commercio Turismo Servizi Alto Adige. Allows companies to provide employee benefits via vouchers (health, welfare, wellness, leisure, shopping) redeemable at participating merchants. Available as physical card (Monni Card) and digital app (Monni Digital) usable via smartphone at over 750 businesses in South Tyrol.
• POS Condominio Specialized POS service for condominium administrators allowing collection of payments from residents via portable smart POS terminal with 4G connectivity. A single terminal supports multiple condominium fiscal codes and IBANs (via POS Condiviso technology), enabling on-site mobile collection with reduced cash handling risk.
• M-House Condominium management solution accessible via the MobyPay app. Enables property managers to execute and track payments for multiple condominiums using a single POS terminal, with functionality to select different residents and payment recipients.
• Conto Corporate con CBI Corporate payment account with Corporate Banking Interbancario (CBI) integration. Enables management of condominium payment operations, transaction monitoring, and integration of results and reporting into business applications.
• Conto di Pagamento (Payment Account) Payment account service enabling businesses and consumers to manage payments, receive bank transfers, direct debits, and F24 tax payments, with a dedicated home banking interface. Includes Conto Business (for entrepreneurs) and Conto Consumer (for individuals) variants.
• Moneynet Mobile App Mobile application for iOS and Android enabling customers to manage payments, access home banking, and use Monni welfare digital vouchers from smartphones.

Quantifiable outcome

• Commission savings up to 50% compared to market average for high-volume merchants (FREE tier)
• +4 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

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

• Shift4coreTechnology or Integration · 10 March 2025Moneynet and Shift4 expanded cross-border payment processing solutions. The partnership combines Shift4's strong acquiring services with Moneynet's expertise in card-present transactions, creating a powerful solution for merchants across Europe. This collaboration expands Moneynet's global commerce enablement capabilities.
• hds (Handels- und Dienstleistungsgenossenschaft Südtirol)coreStrategic or Co-development Partner · 17 May 2022Moneynet collaborated with hds (South Tyrol Trade and Services Cooperative) to develop Monni Digital voucher system, usable at over 750 businesses. The partnership combines Moneynet's payment technology with hds's merchant network to deliver digital welfare vouchers replacing physical cards.
• Ingenico (Worldline)coreTechnology or Integration · 30 March 2021Moneynet partnered with Ingenico (now part of Worldline, Europe's largest payment services provider and 4th largest globally) to deploy SmartPOS Android terminals (Apos A8). This partnership enables Moneynet to offer Android all-in-one POS solutions integrating payment acceptance with VAS apps like loyalty cards, e-wallets, phone recharges, gift cards, and bill payments. The first installations began December 2020 with a target of 3,000 units by end of 2021.
• IVS Group S.A.flagshipOthersIVS Group S.A. exercises direction and coordination over Moneynet S.p.A. This is the parent company relationship providing strategic governance.
• Confcommercio / Unione Commercio Turismo Servizi Alto AdigecoreChannel Partner/ Reseller/ DistributorAssociation partnership providing Moneynet payment services at preferential rates to Confcommercio members. Led to development of Monni welfare card program.
• ConfcommerciocoreChannel Partner/ Reseller/ DistributorPartnership with national Confcommercio for preferential payment service terms for member businesses.
• Confesercenti MessinaminorChannel Partner/ Reseller/ DistributorLocal association partnership for payment services in Messina area.
• Federfarma MessinaminorChannel Partner/ Reseller/ DistributorPharmacy association partnership for acquiring services in Messina.
• PayGlobeminorChannel Partner/ Reseller/ DistributorPartner for acquiring services with sponsored promotional rates.

Scale indicators11 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• SumUp: European SMB-focused mobile POS and payment acceptance provider operating in Italy. Directly competes with Moneynet's OnPos offering for micro and small merchants, with comparable pay-as-you-go pricing.
• Satispay: Italy-founded mobile payment network serving consumers and merchants with low-fee in-app payments. Overlaps with Moneynet's merchant acceptance value proposition for Italian SMBs and competes for the same merchant wallet share.
• Mollie: European SMB-focused payment processor with multi-country acquiring. Competes with Moneynet's OnLine/OnMoto/OnLink offerings for cross-border SMB merchants and shares the SMB-funnel-and-upsell GTM motion.
• Nexi: Italy's largest payment institution and merchant acquirer, offering POS acquiring, e-commerce gateway (Axerve), and payment accounts. Directly competes with Moneynet across all core product lines and is the dominant incumbent Moneynet must displace in the Italian SMB segment.
• Axerve: E-commerce payment gateway operated by the Nexi Group, serving Italian SMB and enterprise merchants. Directly competes with Moneynet's OnLine gateway and plug-in integrations for PrestaShop, WooCommerce, and Magento merchants.
• Trust Payments: European merchant acquiring and payment processing specialist serving SMBs and platforms. Comparable to Moneynet in offering multi-channel acquiring (POS, e-commerce, MOTO) and competing for similar European cross-border SMB merchant accounts.

Broad incumbents

• Adyen: Global unified commerce platform offering acquiring and payment processing for enterprises and digital-native SMBs. Competes with Moneynet for the upper tier of Italian merchants but operates across a much wider portfolio of payment methods and geographies.
• Worldline: Europe's largest payment services provider following the Ingenico acquisition and serving as Moneynet's hardware partner for SmartPOS. Overlaps broadly with Moneynet across acquiring and POS, but at much larger scale and across many more European markets.
• Stripe: Global internet payment platform for online businesses and platforms. Directly competes with Moneynet's OnLine e-commerce gateway for Italian digital SMB merchants, with significantly stronger developer tooling and product breadth.

Emerging players

• Unlimint: European-headquartered fintech providing acquiring, issuing, and banking-as-a-service infrastructure. Adjacent competitor in the European payments stack, with overlapping merchant acquiring capabilities and a more infrastructure/API-led positioning than Moneynet's full-stack SMB focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/MoneynetSpa
• Instagraminstagram.com/moneynet_spa
• Xx.com/MoneynetSpa
• LinkedInlinkedin.com/company/moneynet

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Moneynet