# Monek — Payment Provider

Monek is an FCA-authorised UK payment institution (FRN 920628). It provides card machines, hosted online checkout, a virtual terminal, Pay by Link and a REST API, with in-store, online and phone payments on one account. It acquires in sterling and settles to UK bank accounts, and offers EUR and USD through partner acquiring. It also offers merchant cash advance, buy now pay later, and white-label and ISV partner programmes.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** UK businesses, from small retailers and hospitality venues to larger companies, that want in-store, online and phone card payments on a single account.
- **Fees:** Growing Business (under £200,000/year): 0.99% blended rate on personal debit and credit cards; 1.99% on business credit and debit cards; 2.99% on foreign/non-UK cards; per-transaction fee of £0.05 on UK cards and £0.10 on non-UK cards; PCI compliance fee of £2.99 per month; terminals from £25/month; no setup fees; no monthly minimums. Established Business (over £200,000/year): bespoke IC++ (interchange-plus-plus) pricing, with per-transaction fees of 3p on UK cards and 10p on non-UK cards.
- **Fee model:** interchange-plus
- **Settlement time:** Next business day
- **Categories:** traditional
- **Countries served:** 1 (GB)
- **Payment methods:** amex, apple_pay, discover, google_pay, jcb, mastercard, payment_link, paypal, visa

## Legal & compliance

Legal entities:
- MONEK MERCHANT SERVICES LTD — United Kingdom — licenses: Payment Institution, GB, FCA

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/monek#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=monek&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/monek

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)