Monetico Retail

What Monetico Retail does

Monetico Retail is a French payment solutions brand developed and owned by Euro-Information, the technology arm of the Crédit Mutuel and CIC banking groups, and headquartered in Strasbourg, France. The company provides payment processing services for retail merchants, covering point-of-sale, online, and split or installment-based payments through three sub-brands: Monetico Proximity for in-store commerce, Monetico Online for e-commerce, and Monetico Split for installment payments. Its core product is the Monetico Retail Portal, a centralized dashboard with five modules for tracking encaissements, managing and securing transactions, triggering payments, configuring accounts, and navigating between settlement batches (remises).

Under the hood, the platform is a multi-channel payment processing system with a unified merchant-facing portal that consolidates activity monitoring, transaction management, and account configuration. The offering sits within a broader Monetico-branded suite developed by Euro-Information, and is supported by documentation and integration mode content targeting merchants and developers, though no specific API, SDK, or technical protocol details are disclosed in the available material.

Monetico Retail operates a B2B transaction-fee revenue model, monetizing payment volume processed for retail merchants rather than charging published software or subscription fees. Go-to-market is exclusively indirect: all distribution flows through the Crédit Mutuel and CIC branch networks across France, where merchants are onboarded, priced on a quote basis, and serviced monthly. The end customer is fragmented SMB and individual retail merchants, while the channel side concentrates around two related partner banks. No public pricing, revenue, headcount trend, funding history, or AI/ML capabilities are disclosed in the source data.

Name

Monetico Retail

Legal name

Monetico Retail (brand operated by Euro-Information)

Website

https://monetico-retail.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Monetico Retail is a French payment solutions brand, owned by Euro-Information and distributed through Crédit Mutuel and CIC bank branches. It serves SMB retail merchants with point-of-sale, online, and installment payment processing via a centralized merchant portal.

Ownership category

akta.pro rank

Product category

Payment Processing Services

akta.pro primary industry

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)

akta.pro secondary industry

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)

Keywords

• Retail payment processing
• Point-of-sale solutions
• Online payment acceptance
• Merchant payment platform
• Split payment solutions

Headquarters

HQ city

Strasbourg

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Transaction Processing: Revenue generated from processing payment transactions at point-of-sale and online for retail merchants. The platform serves as an intermediary between merchants and card networks/banks.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Monetico Retail is a multi-channel payment solutions brand that provides point-of-sale, online, and split/installment payment processing for retail merchants in France. The core offering is a centralized dashboard portal with five modules enabling merchants to track encaissements (collections), manage transaction security, trigger payments, configure accounts, and navigate between settlement batches (remises). It is distributed exclusively through the Crédit Mutuel and CIC banking networks.

Product overview

Monetico Retail is a multi-channel payment platform offered by the Crédit Mutuel CIC banking group. The core offering is the Monetico Retail Portal — a centralized dashboard with 5 modules for tracking encaissements, managing transactions, triggering payments, configuring accounts, and navigating remittances. The portfolio includes three specialized sub-brands: Monetico Proximity (in-store payments), Monetico Online (e-commerce payments), and Monetico Split (installment/split payments). Additional modules cover point-of-sale equipment, online payment processing, unified management tools, and security services. All solutions are branded properties developed by Euro-Information.

Differentiator

Problem solved

Functional benefit

Brands

• Monetico Proximity: In-store point-of-sale payment solutions
• Monetico Online
• Monetico Split

Products and services

• Monetico Retail Portal A centralized dashboard portal that enables retail merchants to track encaissements (collections/receipts) and view synthetic summaries of their business activity through five modules covering activity tracking, transaction management and security, payment triggering, account configuration, and remittance navigation. It is offered to merchants who are business customers of Crédit Mutuel or CIC banks in France.
• Monetico Proximity A payment solution for proximity commerce, covering in-store or face-to-face transaction environments for retail merchants.
• Monetico Online An online payment solution covering e-commerce transaction processing capabilities for retail merchants selling through digital channels.
• Monetico Split A payment solution enabling split or installment-based payment options for merchants serving customers who prefer to pay over time.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Euro-InformationcoreOEM/ Whitelabel/ Licensing PartnerEuro-Information is the owner and developer of the Monetico brand and technology platform. The company develops and maintains the Monetico payment solutions that are then distributed through the Crédit Mutuel and CIC banking networks.
• Crédit MutuelcoreChannel Partner/ Reseller/ DistributorCrédit Mutuel is a major French banking cooperative that offers Monetico Retail payment solutions to its business and professional customers through its extensive branch network across France.
• CIC (Crédit Industriel et Commercial)coreChannel Partner/ Reseller/ DistributorCIC (Crédit Industriel et Commercial) distributes Monetico Retail payment solutions to its business customers as part of its professional banking service offerings.

Scale indicators1 record

Recent moves4 records

Expansion highlights5 records

Direct peers

• Mollie: European payment service provider offering multi-method online and in-person payment processing to SMBs and platforms. Comparable to Monetico Retail in targeting European SMB merchants with multi-channel acceptance and unified management dashboards.
• Worldline: French-headquartered global payment processor offering merchant acquiring, POS, and online payment services across Europe. Directly comparable as a multi-channel merchant payments provider operating in the same French SMB market that Monetico Retail serves through Crédit Mutuel/CIC.
• Square (Block): Global merchant payments and POS platform combining card acceptance, online checkout, and business management software. Comparable to Monetico Retail in serving SMB merchants with integrated POS, online, and dashboard capabilities.
• Adyen: Unified global payments platform offering in-store, online, and platform-based payment processing with a single merchant dashboard. Comparable to Monetico Retail's multi-channel proposition and centralized activity management approach for merchants.
• SumUp: European fintech providing card readers, POS, and online payment solutions to SMBs across multiple countries. Comparable to Monetico Retail's SMB merchant focus and multi-channel (POS + online) value proposition, especially in the French small-business segment.
• Stripe: Global payment processing platform providing online and in-person payment acceptance plus a unified dashboard for merchants. Comparable to Monetico Retail's online and centralized portal capabilities, though operating at much larger scale and with a developer-first model.
• Viva Wallet: European cloud-based payment provider offering acquiring, POS, and online payment services to merchants, with a strong presence in Southern Europe. Comparable to Monetico Retail's multi-channel merchant payments offering and SMB focus.
• Checkout.com: Global payment processor serving merchants and platforms with online and in-person payment capabilities. Comparable to Monetico Retail in offering unified merchant payment acceptance, though skewing toward larger enterprise and digital-first merchants.
• Payplug: French payment solution provider for SMBs and online merchants, offering e-commerce and in-store payment tools. A close competitor to Monetico Retail within the French market, particularly for small and mid-sized merchants seeking easy onboarding.

Broad incumbents

• Ingenico (Worldline): Established payment terminal and merchant services provider, now part of Worldline, with deep French and European retail presence. Comparable to Monetico Retail's POS payment acceptance business, though at much larger scale and with a broader hardware-led offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/monetico-retail

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Monetico Retail