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Payment infrastructure

Not just another
payment provider.

We're your growth partner. Work directly with the source. Get started fast. Built to be reliable.

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<30sAvg processing 99.9%Uptime SLA 24/7Live monitoring Scroll

Built to deliver

We're your growth partner. Work directly with the source, backed by a global network of acquiring banks. Get started fast. Run every payment on infrastructure built to be reliable.

Direct acquiringLicensed EMIPCI DSS Level 1

Card processing, Apple Pay, Google Pay, Open Banking, SEPA Instant, BLIK, Skrill, OCT payouts, SEPA-Out and smart routing.

Comprehensive payment solutions

Six rails.
One direct line.

Cards

Card processing

Optimised for high approval rates across all major schemes. Intelligent routing and cascade logic keep declines low and conversion high.

Features

  • Smart payment routing
  • Cascade processing
  • Decline reason analysis
  • Personalised limits
  • Automatic retry logic

Benefits

  • Higher approval rates
  • Fewer declines
  • Improved customer LTV
  • Optimised cash flow

Digital wallets

Apple Pay / Google Pay

Native wallet acceptance so customers pay in one tap. No card entry, no friction, higher conversion.

Features

  • One-tap checkout
  • Device-level authentication
  • Works on mobile and desktop
  • Tokenised transactions
  • Reduced checkout abandonment

Benefits

  • Faster checkout flow
  • Lower fraud risk
  • Higher mobile conversion
  • Improved user experience

Account to account

Open Banking

Direct bank-to-bank payments over open banking rails. Instant, low-cost transfers without card network fees or chargebacks.

Features

  • Instant bank transfers
  • SEPA Instant compatible
  • No chargebacks
  • Strong Customer Authentication
  • Real-time confirmation

Benefits

  • Lower transaction costs
  • No chargeback risk
  • Instant settlement
  • High security standards

Payouts

OCT / SEPA-Out

Fast outbound payouts via Original Credit Transfer and SEPA rails, to cards and bank accounts across Europe.

Features

  • Card-based OCT payouts
  • SEPA Credit Transfer
  • SEPA Instant
  • Bulk payout support
  • Real-time status tracking

Benefits

  • Fast merchant settlements
  • Wide European coverage
  • Automated reconciliation
  • Reliable delivery

E-wallet

Skrill

Accept Skrill wallet payments from millions of users worldwide. Ideal for gaming, forex and digital goods.

Features

  • Instant wallet payments
  • Multi-currency support
  • Rapid payout options
  • Trusted by gaming verticals
  • Simple integration

Benefits

  • Access to Skrill users
  • Fast settlement
  • Alternative to cards
  • Global reach

Poland

BLIK

Poland's most popular mobile payment method. A 6-digit code pays in seconds, with no card details and no redirects.

Features

  • 6-digit one-time code flow
  • Instant confirmation
  • No sensitive data shared
  • Full Polish market coverage
  • Mobile-native experience

Benefits

  • Dominant in Poland
  • High conversion rate
  • Strong consumer trust
  • Fast and secure

Smart routing · Cascade

A decline is not the end of the payment.

  1. 01
    Checkout

    A customer pays 20.00 USD by card.

  2. 02
    Smart routing

    The payment goes to the best-fit acquirer for this card and market.

  3. 03
    Decline

    Acquirer A answers 05 · Do not honour. Decline reason analysis logs why.

  4. 04
    Cascade

    Automatic retry logic sends the same payment to the next acquirer.

  5. 05
    Approved

    Acquirer B approves. The customer only ever sees a successful payment.

CHECKOUT20 USD ROUTER ACQ A05 · DO NOT HONOUR ACQ B00 · APPROVED

Global reach, local impact

Building the future of payments, one transaction at a time.

180+

Countries

Operating in

15+

APMs

Supported

99.9%

Uptime

SLA

24h

Response time

Maximum

Live network

Payments moving across the world.

Our network spans multiple markets and payment rails, routing each transaction along the fastest, most reliable path into Monellyn.

  • Germany
  • Polandvia BLIK
  • France
  • Netherlands
  • Sweden
  • Spain
  • Italy
  • Portugal
  • Canada
  • Kuwait
< 30sAvg processing
99.9%Uptime SLA
24/7Live monitoring

Merchant analytics

Your payments, fully visible.

Every merchant receives regular, detailed analytics reports broken down by payment method, country and approval performance. No guessing, just clear data.

  • Multi-country coveragePer-market breakdowns
  • Approval rate trackingBy payment method
  • Regular deliveryStraight to your inbox
Approval report
Card paymentsCC STANDARD
    Strong ARGood AR

    Sample structure based on the real report format. Actual figures vary by merchant and period.

    At Monellyn, we provide direct, reliable payment processing to digital businesses worldwide. Backed by a global network of acquiring banks, you can count on us to perform.

    • Direct payment processing capabilities
    • Fully licensed electronic money institution
    • Specialised in high-risk verticals
    20 USD
    Card•••• 4417
    RouteAcquirer B
    Status00 · Approved
    Pay 20.00 USD
    Processing terminalPCI DSS L1
    PCI DSS Level 1

    The highest security standard for payment processing.

    Licensed EMI

    Fully licensed electronic money institution.

    High-risk verticals

    Specialised processing with advanced fraud protection.

    Get started in minutes

    Three steps to your first payment.

    1

    Submit your application

    Tell us about your business, your markets and the payment methods you need.

    2

    Complete compliance review

    Our team reviews your documents and sets personalised limits for your volume.

    3

    Start processing payments

    Go live, route your first transactions and get detailed reporting from day one.

    Why choose Monellyn?

    • Direct acquiring relationships
    • 24/7 dedicated support
    • Advanced fraud protection
    • Real-time reporting
    • Competitive pricing
    Instant setup

    Get your payment processing running in minutes, not weeks.

    Global coverage

    Process payments in 180+ countries with local acquiring.

    Merchant analytics

    Approval rates, volume splits and country-level performance in regular reports.

    Get in touch

    Ready to transform your payments?

    Tell us about your project and we'll get back to you within 24 hours with a reliable, tailored offer.

    Send us
    an email
    Email us directly at
    info@monellyn.net
    Reply within 24 hours with a tailored offer