Learn More About Monepik

Let’s Deep Dive!

Through our network of licensed banking, EMI, and payment partners, Monepik connects businesses to the following solutions. All regulated services, including fund safeguarding, BaaS, and PayFac/MoR operations, are performed by our licensed partners.

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Who is Monepik?

ACQUIRING

Visa & Mastercard

Accept Visa and Mastercard payments through acquiring solutions structured for your business type. Reliable card processing for both mainstream and high-risk merchants.

Process with Tier-1 Acquirers

Route transactions through established Tier-1 acquiring banks for stronger approval rates and stability. Benefit from institutional-grade infrastructure and long-term processing reliability.

Multi-MID Structures

Distribute processing volume across multiple merchant IDs (MIDs) to improve resilience and manage risk. Reduce single-point-of-failure exposure and scale transaction capacity.

Approval Rate Optimization

Increase successful transaction rates through smart routing, retry logic, and acquirer selection. Recover revenue that would otherwise be lost to avoidable declines.

Direct IC++ Pricing

Access transparent Interchange++ (IC++) pricing that separates interchange, scheme fees, and processor margin. Gain full visibility into what you actually pay per transaction.

Multi-Currency Processing

Process payments in your customers' local currencies to boost conversion and reduce friction. Settle in your preferred currency while accepting many.

Chargeback, Fraud & Risk Management

Protect revenue with chargeback prevention, fraud screening, and ongoing risk monitoring tools. Keep dispute ratios healthy and maintain acquirer relationships.

PayFac & Merchant of Record Models

Accept card payments from international customers with acquiring coverage across multiple regions. Expand into new markets without setting up local entities everywhere.

Cross-Border Card Acquiring

Keep customer funds protected in safeguarded accounts held with licensed, regulated partners. Meet compliance expectations while maintaining clear separation of client money.

Monepik

Supporting Industries

Online Casino

Sports Betting & Gambling

iGaming

Crypto

Money Remittance

FX / CFD Brokers

Adult

Pharmaceuticals

Nutraceuticals

eCommerce

Global Reach

Geographic Coverage

Where a card is acquired affects approval rates, interchange cost, and settlement speed so acquiring coverage is mapped to where your customers actually are:

UK · EU

Global · SWIFT

Europe & UK

Deep scheme relationships and local acquiring reduce cross-border interchange and lift approval rates on EU/UK-issued cards.

North America

Acquiring access tuned to US and Canadian card networks and dispute frameworks.

Latin America

Local acquiring for markets with fast-growing card volumes and locally-issued card sensitivity.

Asia-Pacific

Coverage for high-growth card markets where local acquiring materially improves conversion.

Middle East & Africa

Acquiring routes structured for regions where high-risk and cross-border merchants are often declined by default.

Common Challenges

The banking problems that stall high-risk and hard-to-bank businesses — and how our partner network solves each one.

Low approval rates.

Generic acquirers not tuned to your risk category quietly suppress approvals. Tier-1 routing and approval-rate optimization recover that lost revenue.

A single MID going down takes the business with it.

Multi-MID structures spread volume so one shutdown doesn't halt processing.

Blended pricing hides markup.

Direct IC++ pricing separates interchange, scheme fees, and margin so you see exactly what you pay.

Rising chargeback ratios put your merchant status at risk.

Integrated chargeback, fraud, and risk tooling keeps dispute ratios inside acquirer thresholds.

High-risk categories can't get acquiring at all.

PayFac and Merchant of Record partners absorb the underwriting risk that stops standard acquiring applications in their tracks.

BANKING

Tier-1 & Alternative Banking Partners

Access banking through our network of Tier-1 institutions and alternative EMI partners, matched to your industry and risk profile. Ideal for businesses that struggle to secure accounts through mainstream banks.

Multi-Currency Accounts

Hold, receive, and send funds across multiple currencies from a single account setup. Reduce conversion costs and simplify treasury for globally trading businesses.

Named IBANs & vIBANs

Get dedicated named IBANs and virtual IBANs (vIBANs) for cleaner reconciliation and segregated client flows. Assign unique account identifiers per customer, entity, or purpose

C2B / B2B / B2C Rails

Move money across consumer-to-business, business-to-business, and business-to-consumer payment flows through a single infrastructure. Built to support collections, settlements, and payouts at scale.

SEPA / SEPA Instant / SWIFT

Send and receive euro and international wire payments via SEPA, SEPA Instant, and SWIFT rails. Combine same-day European transfers with global correspondent banking reach.

Instant Payments Rails

Enable real-time inbound and outbound transfers with immediate confirmation and settlement. Improve cash flow and customer experience with 24/7 payment availability.

Banking as a Service (BaaS)

Embed banking features such as accounts, IBANs, and payments directly into your platform through our licensed BaaS partners. Launch financial products without holding your own banking licence.

Cross-Border Settlement

Settle funds across jurisdictions efficiently with optimized routing and currency handling. Reduce delays and costs on international transactions.

Safeguarded Client Accounts