Frequently Asked Questions

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Bank payments
The Montonio payment solution enables online stores to accept payments from all major banks in Estonia, Latvia, Lithuania, Finland and Poland with a single integration. You can see the full coverage on our Payments page. You can also offer card payments to your customers using Montonio.
All payments made through Montonio are transferred directly from the customer's bank account to your bank account. You can issue a refund directly from your bank account. Currently, Montonio does not offer automatic refunds, but we are planning to have this feature in the future. If you are using Montonio's card payment feature, you can refund a payment through the Stripe dashboard.
When a customer is checking out on your store, they will be directed to the payment page. On this page, they can select their bank from the options provided and will be directed to the bank's website for authentication.

If the customer has multiple accounts with the selected bank, they will need to choose the correct account before seeing the payment details. If they only have one account, they will see the payment details immediately.

The customer will then confirm the payment and will be redirected back to your store.
To test the Montonio payment solution, you can sign up for our partner system at onboarding.montonio.com. You will then receive an invitation to log in to the partner system.

In the partner system, you will find sandbox API keys that you can use to test the payment solution on your store. Alternatively, you can test the payment solution in the Montonio Sandbox Store.
Yes, you can choose which countries and which banks you want to accept payments from.
Currently, the Montonio payment solution supports EUR payments in Estonia, Latvia, Lithuania, Finland, and PLN payments in Poland.
When a customer is checking out on an online store, they can select their bank from the options provided and will be directed to the bank's website for authentication.

If the customer has multiple accounts with the selected bank, they will need to choose the correct account before seeing the payment details. If they only have one account, they will see the payment details immediately.

The customer will then confirm the payment and will be redirected back to the store. The payment is transferred directly from the customer's bank account to the merchant's account.
Our bank payment links are highly reliable and have a proven track record of success. We work with major banks in Estonia, Latvia, Lithuania, Finland, and Poland to provide a seamless payment experience for customers.
Payments made through Montonio are transferred directly from the customer's bank account to the merchant's account.

Approximately 90% of payments are made as instant payments and will be completed in a few seconds.

When instant transfer is not possible, the money will be transferred as a SEPA payment every few hours on business days. Regular payments initiated during weekends and public holidays will be credited to the merchant's account on the next business day between 08:45-10:00.
For payments made through payment links, banks have a legal obligation to ensure that initiated payments cannot be cancelled.
Yes, our payment solution includes BLIK. Customers in Poland can use BLIK to make payments through our platform.
Card payments
In addition to payment links, Montonio also offers card payments (Mastercard, Visa, Maestro, and American Express) through the international online payment service provider Stripe. The pricing for card payments is the standard Stripe pricing:

For European Economic Area cards:
1.4% + 0.25€ (for EUR payments)
1.4% + 1zł (for PLN payments)

For UK cards:
2.5% + 0.25€ (for EUR payments)
2.5% + 1zł (for PLN payments)

For international cards:
2.9% + 0.25€ (for EUR payments)
2.9% + 1zł (for PLN payments)

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