Mooney

What Mooney does

Mooney S.p.A. is a Milan-based Electronic Money Institution (IMEL) registered with the Bank of Italy (ABI code 32532) that provides digital payment services to Italian consumers. Operating as a subsidiary of Mooney Group S.p.A. and formerly known as SisalPay, the company serves individual consumers seeking accessible financial services through both a 30,000+ physical retail network (tobacconists, bars, newsstands) and digital channels. Its core offerings span prepaid cards with IBAN functionality (Carta Mooney, Carta VR46, Carta SisalPay, plus discontinued PAYFAN cards), bill payment services (bollettini, bollo auto, pagoPA, MAV/RAV/F24), mobile and gift card recharges, and mobility services. The company also operates co-branded cards targeting specific segments such as motorsports enthusiasts (Carta VR46 with the VR46 Racing Team) and runs special employee conventions with corporate partners including Enel.

The company's technology stack centers on a mobile application ecosystem (Mooney App, MooneyGo) integrated with point-of-sale infrastructure, supporting prepaid card issuance, real-time transaction monitoring, bank transfers including instant transfers (T-Bonifico), and toll and parking payment automation. The MooneyGo mobility service operates within the Telepass network, enabling automated highway toll payments across Italy and access to over 380 affiliated parking facilities. The company maintains a PSD2-compliant Open Banking interface via the CBI Globe platform (live since July 2022), supporting AISP and PISP operations under Berlin Group specifications. Visa-branded cards are issued under Intesa Sanpaolo's Principal Member sponsorship, extending acceptance to merchants worldwide, and the cards are tokenized into Google Pay and Apple Pay wallets.

Mooney monetizes through multiple recurring and transactional streams: annual fees on prepaid cards (€5 for Carta SisalPay, €10 for Carta Mooney, €15 for Carta VR46), transaction commissions on bill payments (€2 for bollettini, €2.50 for bollo auto, reduced to €1 when paid via Mooney cards), monthly telepedaggio subscription fees (€2.50 for MooneyGo), and interchange from card spending. The company operates under a hybrid distribution model combining physical retail proximity with digital self-service, targeting consumers in small municipalities and underserved banking areas. New prepaid card issuance is currently suspended under a Bank of Italy directive issued in 2024 related to anti-money laundering compliance improvements, with the company indicating it had already initiated remediation efforts prior to the action; existing cards remain operational and transaction-based revenue continues.

Name

Mooney

Legal name

Mooney S.p.A.

Website

https://mooney.it

Company type

Private

Operating status

Operating

Headcount range

251–500 employees

Short description

Mooney S.p.A. is an Italian Electronic Money Institution providing prepaid cards with IBAN, bill payments, mobile top-ups, and MooneyGo mobility/telepedaggio services to consumers through 30,000+ retail points and a mobile app across Italy.

Ownership category

akta.pro rank

Product category

Digital Payments

SIC

Finance Services (6199), Transportation Services (4700)

akta.pro primary industry

Utility & Municipal Billing Platforms (FSAMAJAG)

akta.pro secondary industries

Parking & Toll Payment/Reservation Platforms (BPAMAIAL), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)

Keywords

• Prepaid card services
• Digital payment services
• Bill payment processing
• Mobile top-up services
• Telepedaggio mobility services

Headquarters

HQ city

Milano

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Prepaid Card Issuance and Management: Annual fees charged on prepaid cards (Carta Mooney €10/year, Carta VR46 €15/year, Carta SisalPay €5/year). Cards include IBAN for transfers, direct debits, and salary accreditation.
2. Payment Transaction Fees: Commissions on bill payments: €2 for bollettini, €2.50 for vehicle tax (bollo auto). Reduced to €1 when paying with Mooney cards. Free for top-ups.
3. MooneyGo Telepedaggio Service: Monthly subscription at €2.50 for parking convenience fee. Weekly toll charges billed to associated payment method. Roadside assistance subscription with monthly payments.
4. VR46 Card Co-branding: Co-branded prepaid card with VR46 Racing Team featuring exclusive discounts at YOLO Sport (-20%), YOLO Viaggio (-15%), VR46 Official Store (-15%), and vr46.com (-15%).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Mooney provides digital payment services to Italian consumers, including Visa prepaid cards with IBAN (Carta Mooney, Carta VR46, Carta SisalPay), the MooneyGo mobility app with telepedaggio (highway toll payment) and parking services, bill payment processing (bollettini, bollo auto, pagoPA, MAV/RAV/F24), phone recharges, gift cards, and bank transfers. Services are accessed through 30,000+ retail points of sale across Italy and via the Mooney mobile app.

Product overview

Mooney is an Italian digital payments ecosystem comprising prepaid cards (Carta Mooney, Carta VR46, Carta SisalPay, and discontinued PAYFAN cards), the MooneyGo mobility app with telepedaggio and transport services, and a mobile app for managing all services. The platform offers bill payment, phone recharges, gift cards, T-Bonifico transfers, and proximity banking services through over 30,000 physical points of sale. New card issuance is temporarily suspended following a Bank of Italy directive regarding anti-money laundering improvements.

Differentiator

Problem solved

Functional benefit

Brands

• MooneyGo: Telepedaggio (toll collection) service and mobility app for highway tolls, parking, and transport payments
• Carta Mooney
• Carta VR46
• Carta SisalPay

Products and services

• Mooney App Mobile application for managing all Mooney services, including prepaid card management, payment execution, top-ups, transaction monitoring with real-time push notifications, temporary card suspension, PIN management, and access to mobility and payment services. Targeted at individual Italian consumers.
• MooneyGo Mobility app and telepedaggio service enabling automatic highway toll payments across all Italian highways, parking in 380+ Telepass-affiliated lots, Area C Milan access, Messina Strait ferry crossing, public transport tickets, and 24/7 roadside assistance subscription via CHARLIE24. Targeted at Italian motorists.
• Carta Mooney Prepaid Visa card with IBAN for daily operations including payments, salary accreditation, direct debits, and ATM withdrawals. Annual fee of €10, €20,000 plafond, with reduced commissions (€1) on Mooney services when paying with this card. New issuance temporarily suspended by Bank of Italy directive (2024). Targeted at individual consumers needing everyday payment functionality.
• Carta VR46 Co-branded prepaid Visa card in partnership with VR46 Racing Team for motorcycle enthusiasts. Features exclusive discounts at YOLO Sport (-20%), YOLO Viaggio (-15%), VR46 Official Store (-15%), and vr46.com (-15%), plus roadside assistance, medical consultation, and purchase protection. Annual fee of €15. New issuance temporarily suspended by Bank of Italy directive (2024). Targeted at VR46 Racing Team fans and motorsport enthusiasts.
• Carta SisalPay Prepaid Visa card previously managed under SisalPay brand (now transferred to Mooney). Annual fee of €5, €20,000 plafond, with cards transferable from Mastercard to Visa circuit. Targeted at consumers seeking an entry-level prepaid card option.
• T-Bonifico Bank transfer service enabling users to send and receive transfers including instant transfers, with funds available within seconds for Mooney card-to-card transactions. Targeted at prepaid cardholders and app users needing account-to-account transfer capabilities.
• Phone Recharges Mobile phone recharge service available at Mooney's 30,000+ points of sale and via the app with no commission fees. Targeted at Italian consumers seeking convenient prepaid mobile top-ups.
• Gift Cards and Digital Codes Digital codes and gift cards for DAZN, PlayStation Store, Amazon recharge, and other services, purchasable at Mooney's 30,000+ points of sale. Targeted at Italian consumers seeking one-stop prepaid content and digital service purchases.
• pagoPA Payments Service for paying Italian public administration bills and taxes through the pagoPA platform, available via Mooney points of sale, website, and mobile app. Targeted at Italian consumers needing convenient payment of taxes, fees, and public utility bills.

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core, minor and strategic.

• VisacoreTechnology or IntegrationMooney issues Visa-branded prepaid cards (Carta Mooney, Carta VR46, Carta SisalPay) as Associate Member of the Visa circuit. Cards can be used at all Visa-accepting merchants worldwide. Intesa Sanpaolo acts as Principal Member/sponsor bank for the Visa partnership.
• Intesa SanpaolocoreTechnology or IntegrationIntesa Sanpaolo S.p.A. serves as Principal Member of the Visa circuit for Mooney's prepaid card issuance. Intesa Sanpaolo is formally separate from Mooney and bears no responsibility for card usage or electronic money loaded onto the cards.
• TelepasscoreTechnology or IntegrationMooneyGo telepedaggio service operates within the Telepass network, enabling payment at 380+ Telepass-authorized parking facilities. Users benefit from automatic toll and parking payment without taking tickets.
• Enel EnergiaminorGTM or Marketing PartnerEnel Energia partnership promoting fiber internet service to Mooney customers with promotional discount for first 12 months, free modem lending, and no activation fee.
• CBI GlobecoreTechnology or IntegrationCBI Globe (Global Open Banking Ecosystem) provides the technical interface for PSD2-compliant Third Party Provider access to Mooney payment accounts. Mooney uses CBI Globe's infrastructure for AISP and PISP operations.
• myCicero S.r.l.coreTechnology or IntegrationmyCicero S.r.l. owns the MooneyGo mobile application, which provides mobility services including toll payment, parking, public transport tickets, and roadside assistance.
• VR46 Racing TeamstrategicGTM or Marketing PartnerCo-branding partnership with VR46 Racing Team for Carta VR46 prepaid card, offering exclusive discounts on YOLO Sport/YOLO Viaggio (-15% to -20%), VR46 Official Store (-15%), and vr46.com (-15%).
• Enel (Employee Card Program)minorGTM or Marketing PartnerSpecial convention for Mooney card issuance to Enel employees, with dedicated regulation and terms.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Satispay: Italian mobile payment network with millions of users; directly competes with Mooney on consumer payments, top-ups, and bill pay via app, but lacks Mooney's physical retail distribution.
• Hype: Italian prepaid card and mobile account provider (part of Banca Sella group); competes directly with Carta Mooney/Carta SisalPay in the prepaid consumer card segment.
• Telepass: Italian mobility and toll payment service; both partner and competitor — MooneyGo rides on Telepass infrastructure while also competing for telepedaggio and parking customers.

Others

• myCicero: Owns the MooneyGo mobile app and provides the underlying mobility/toll infrastructure for Mooney's mobility offering; a technology partner rather than direct competitor but comparable in mobility-payment scope.
• PagoPA S.p.A. Italian state-owned platform for public administration payments; Mooney is a payment partner (PSP) on pagoPA — useful comparable for the public-bill-payment rail Mooney monetizes.

Broad incumbents

• PostePay: Italian postal service's prepaid card business; massive incumbent with national distribution, competing for the same prepaid card and bill payment customers Mooney targets.
• Nexi: Italy's leading payment processor and card network; operates across acquiring, issuing, and digital payments — competes with Mooney on payment processing and PSD2 connectivity.
• Illimity Bank: Italian digital-native bank with consumer and SME offerings; competes in digital payments and adjacent fintech services with a regulated banking license.
• Sisal Group: Former parent of SisalPay (now Mooney); Italian gaming and payment services giant — historically comparable in product scope and remains adjacent in the Italian payments ecosystem.

Emerging players

• Tinaba: Italian mobile payment and P2P app; smaller competitor to Mooney in digital consumer payments and bill pay via app.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/MooneyGroup
• Facebookfacebook.com/mooneygroup
• LinkedInlinkedin.com/company/mooney

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 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 Mooney