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Integrate Moni. Get Paid Instantly. Grow Globally.

Fast, low-cost payments for businesses moving money across borders.
Become a partner

Seamless integration and access to global payments

Connect Moni in a few clicks

Lower cost than banks or SWIFT

Keep more of what you earn.

No banking delays

Receive payments in seconds, not days

Backed by investors who believe in a better future

Moni is supported by leading investors who share our vision of making cross-border money movement faster, fairer, and more accessible for everyone.

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Who It's For

Whether you run a market stall or a service company, Moni helps you get paid fast and stay in control of your money.

Local stores

Accept customer payments quickly and manage daily earnings with ease

Local stores
Payout agents

Provide fast, secure cash-out services with seamless Moni integration

Payout agents
Services

Get paid instantly for digital services - no delays, no complexity

Services
Street vendors

Accept customer payments quickly and manage daily earnings with ease

Street vendors
How Moni Works

In 3 Simple Steps

Goodbye 5% card fees. Hello instant dollars.

Step 1

Register (takes less than 10 Minutes)

We give you a custom QR code or POS device.

We give you a custom QR code or POS device.

No new hardware needed. No bank account required.

No new hardware needed. No bank account required.

No Chargebacks. Instant payout. Like cash, but digital.

No Chargebacks. Instant payout. Like cash, but digital.

Register (takes less than 10 Minutes)
Step 2

Start accepting payments

Customers scan your QR and pay in USD.

Customers scan your QR and pay in USD.

You get notified instantly - just like a cash register.

You get notified instantly - just like a cash register.

Start accepting payments
Step 3

Access your money, instantly

Funds are yours right away.

Funds are yours right away.

No card fees. No settlement delays. No chargebacks.

No card fees. No settlement delays. No chargebacks.

Access your money, instantly

Run business from your phone. Convenient. Fast. Secure

Built with compliance-first technology that keeps your business protected

Become a partner
Users interface
For Users

Send money quickly and easily to family and friends

Safe, affordable transfers with clear fees and instant updates - right from your phone

Learn more
Developer coding interface
For Developers

Build with Moni's SDKs and APIs

Easily integrate cross-border payments into your app or platform with simple, flexible developer tools.

Have any questions?

We've got you.
Yes. Transfers move through regulated partners named in our Terms of Service, you see the exact rate and fee before you confirm, and we notify you the moment a transfer's status changes. If anything feels off, reach out to our support team. Chat with support on WhatsApp
Just your phone, a valid ID, and your recipient's details. Setup takes only a few minutes.
Transfers are typically completed within seconds to minutes, depending on the destination and amount.
Your money doesn't disappear. If a transfer fails (for example, your recipient's ID doesn't match or a pickup code expires) or it takes longer than expected, in the large majority of cases the funds are returned automatically to your Moni balance, and we notify you the moment the status changes. If it stays stuck, our support team follows up until it's resolved.
No hidden fees. Moni charges a fixed fee per transfer, currently $1.98, with no hidden FX spread, and you'll see the exact amount at the moment of your transaction.
Always. Moni shows you the exchange rate, any fee, and exactly how much your family receives before you confirm — no surprises.
No, you don't need a traditional bank account. Moni works with various payment methods and digital wallets.
Yes! You can pay at stores and online with the Moni card wherever Visa is accepted.
Your family and friends can pick up cash at thousands of locations across Latin America. They just need to bring a valid ID and the in-app code — no bank account needed.
Yes. You can send money directly to your family's bank account, and they receive the full amount.
Not yet, but it's coming soon. We're building a simple way to cover your family's bills and services abroad — right from the app.
No. Moni currently charges no opening fee and no maintenance fee.
Contact support