Monoova for Platforms
Build payments into your platform – and your growth model
Give your customers a seamless way to onboard, collect, manage and pay funds without leaving the platform they already use.
Monoova for Platforms brings together multiple payment methods, automated reconciliation, real-time payouts and flexible integration options in one Australian payment solution.
Talk to a platform payments expert today
Take a closer look at your payments
Flexible payment flows
Control how money moves through your platform
Your customers collect payments
Enable businesses using your software to accept one-off or recurring payments from their customers.
Example: A childcare management platform enables centres to collect fees using PayTo, Direct Debit, cards or BPAY
Your platform collects and distributes funds
Collect money through the platform before paying the appropriate merchant, supplier or service provider.
Example: A marketplace accepts a customer payment, deducts its platform fee and pays the remaining amount to the seller.
Your platform splits payouts
Divide a single pool of funds among multiple recipients.
Example: A fitness membership platform distributes membership revenue across participating gyms and studios.
Your platform makes payouts
Send funds to customers, suppliers or service providers independently of an incoming payment.
Example: A lending platform disburses approved funds to a borrower in near real time.
Your customers collect recurring payments
Enable scheduled collections for subscriptions, memberships, fees or instalments.
Example: A membership platform gives organisations access to PayTo, Direct Debit and card payments through its software.
Three ways to integrate
Choose how you bring payments to market
There are three ways to connect your platform with Monoova.
Co-branded referral experience
01 Plug & Play
Introduce payments without a major development project.
Connect customers with Monoova through a dedicated co-branded referral and onboarding experience.
You get:
- A faster route to market
- Minimal development requirements
- A co-branded customer journey
- Visibility over referred customer performance
- An agreed revenue-sharing model
Best for: Platforms that want to add payment capabilities quickly and validate customer demand before investing in a deeper integration.
Fully branded, customised experience
02 Build
Create a payment experience around your product
Use Monoova’s APIs to build onboarding, payment collection, reconciliation and payout capabilities into your existing workflows.
You get:
- Greater control over the customer experience
- Access to multiple payment methods
- Customisable money movement
- Real-time transaction data and notifications
- Automated reconciliation capabilities
- Infrastructure that can scale with your platform
Best for: Established and fast-growing platforms that want payments to become a core part of their product and commercial model.
Pre-built embedded components
03 Switch On
Embed payment components directly in your interface
Add pre-built Monoova components to your platform to create a native payment experience without building every interface from scratch.
You get:
- Faster implementation than a fully customised build
- An in-platform customer experience
- Pre-built onboarding and payment functionality
- Consistent access to Monoova’s payment infrastructure
- Control over how payment functionality appears within your product
Best for: SaaS and platform businesses that want embedded payments with less front-end development.
Onboard, receive, manage and pay – all in one solution
Everything you need to power payments through your platform
Onboard customers through an experience that suits your business
Make it easier for customers to activate payment services without introducing disconnected processes or unnecessary administrative work.
Depending on your partnership model, you can:
- Send customers through a dedicated, co-branded onboarding experience
- Embed onboarding forms within your platform
- Build a customised onboarding journey using Monoova’s APIs
- Track customers referred through your platform
- Reduce the operational burden of payment onboarding
- Draw on Monoova’s compliance capabilities and local expertise
The platform benefit: Get more customers payment-ready while retaining control over the experience.
Give customers more ways to receive payments
Offer payment methods suited to recurring billing, invoicing, account-to-account payments and online checkout.
Your customers may be able to accept:
- Cards, including debit cards, credit cards, Apple Pay and Google Pay
- PayTo for authorised account-to-account payments
- PayID for real-time incoming payments
- Direct Debit for scheduled and recurring collections
- Virtual Accounts for easier payment identification
- BPAY using an existing or newly established biller code
The platform benefit: Serve more customer use cases through one payment relationship rather than connecting separate providers.
Control how money moves
Support more sophisticated fund flows for platforms, marketplaces and multi-party business models.
Depending on your solution, Monoova can help you:
- Collect payments on behalf of customers
- Route funds to the appropriate recipient
- Split payouts between multiple parties
- Deduct agreed platform fees
- Make bulk or individual payouts
- Send payments independently of an incoming transaction
- Pay recipients locally or internationally
The platform benefit: Build payment flows around your business model instead of forcing your business model to fit a standard checkout.
Automate reconciliation across payment methods
Monoova can help your platform:
Receiving a payment is only one part of the process. Your customers also need to identify, reconcile and report on every transaction.
- Capture data-rich payment information
- Match payments with customers, invoices or accounts
- Receive real-time payment status notifications
- Automate reconciliation across multiple payment methods
- Improve transaction visibility for reporting and auditing
- Identify and manage payment exceptions
- Reduce manual work for finance and operations teams
The platform benefit: Help customers spend less time finding and matching payments and more time running their businesses.
Deliver faster, more flexible payouts
Give customers, suppliers, sellers or service providers faster access to funds.
Depending on the payment flow, your platform may be able to:
- Make real-time payments through the NPP and Osko
- Send payments 24 hours a day, seven days a week
- Trigger payouts automatically through your platform
- Make bulk payouts
- Pay BPAY billers
- Send domestic payments through NPP or BECS
- Send funds internationally
The platform benefit: Improve customer experience and cash flow while reducing payout administration.
Embedded payments built for platform growth
Make payments a more valuable part of your platform
Launch payment capabilities faster
Avoid the time, cost and complexity of building payment infrastructure from the ground up. Start with a co-branded referral experience or build a tailored solution using Monoova’s APIs.
Create a new revenue stream
Turn payments from a third-party utility into part of your commercial model. Depending on your partnership arrangement, you may be able to earn revenue share, deduct platform fees or incorporate payments into your product pricing.
Improve your customer experience
Connect onboarding, payment collection, reconciliation and payouts to the workflows your customers already use.
Reduce payment administration
Automate reconciliation across multiple payment methods and use transaction data and real-time notifications to improve payment visibility.
Scale without rebuilding
Add payment methods and capabilities as your platform grows, supported by API-first infrastructure and Australian payment expertise.
Why partner with Monoova?
Elevate your platform with Monoova
Monoova combines API-first payment infrastructure with deep expertise in Australian payment methods and money movement.
Connect your platform to cards, Direct Debit, BPAY and Australia’s real-time payment infrastructure – including PayTo, PayID, NPP and Osko – through one Australian payment partner.
With local technical and commercial support, you can design payment flows around your customers, your operating model and your growth strategy.
- More than $200 billion processed since inception
- Australian-based payment, technical and customer support
- Multi-award winner for payments and fintech
Easy integration
Developer-friendly and built to scale
Monoova is designed for fast, flexible integration.
Our API allows our partners to embed payments, automate workflows and onboard users at scale, all within their existing platform. Whether building from scratch or enhancing a current system, we make it easy to get up and running.
Use our sandbox environment to test payment flows, refine your integration and ensure a smooth rollout. With Australian-based technical support and clear documentation, help is always close at hand.
Multiple ways to pay
Give your customers more payment choice
Card
Let customers accept debit and credit card payments online, including Apple Pay and Google Pay, for seamless one-off and recurring payment experiences.
PayTo
Enable customers to authorise one-off, recurring and account-on-file payments directly from their bank accounts.
PayID
Receive real-time payments using a simple PayID, with data-rich information to support automated reconciliation.
Direct Debit
Direct Debit payments can be processed up to a full day faster than traditional processing times of 3-5 days.
BPAY
Let customers receive payments using an existing BPAY biller code or establish a new one through Monoova.
Virtual Accounts
Assign unique account details to customers or transactions to make incoming payments easier to identify and reconcile.
Payment Links
Let customers accept payments through secure, shareable links—without needing to build a complete checkout experience.
Real-time Payouts
Send eligible payments to customers, suppliers and other recipients in near real time through the NPP and Osko, 24/7.
International Payments
Enable customers to send funds internationally and manage global payment flows through Monoova.
The latest news from Monoova
Marketplace Payments and Seller Payouts: Managing Growth at Scale
Managing FX Risk for Australian Exporters
e-Fraud: What is it and how Australia’s Payments Industry is Fighting Back
Fixing Payment Friction in Education: From Enrolment to Fee Collection
Monoova Payments Pty Limited (ACN 126 015 227 | AR No. 428863) trading as Monoova (Monoova) is the authorised representative of Monoova Global Payments Pty Ltd (ACN 106 249 852 | AFSL 421414) (Monoova Global), being the issuer of the Combined Financial Services Guide & Product Disclosure Statement Non-Cash Payment Products and Services (FSG/PDS), available here. Copies of the FSG/PDS and the terms and conditions of the products and services offered by Monoova and Monoova Global (disclosure documents and terms) are also available by contacting Monoova at support@monoova.com. You should consider the relevant disclosure documents and terms before deciding whether to acquire, or continue to hold, the product or service. Monoova and Monoova Global are enrolled as reporting entities with AUSTRAC. The information provided on this website is factual information, is given in summary form, and does not purport to be complete. The information set out does not take into account your particular investment objectives.