Monext’s payment platform offers a robust set of standard and advanced features designed to support smooth, secure, and customizable payment experiences for merchants and their customers.

⚙️ Standard Features

💳 Wallet

A virtual wallet stores customer payment and personal data securely to simplify future purchases and enhance loyalty. It avoids re-entering information during future transactions.

🔔 Notifications

Receive real-time notifications upon payment completion. Notifications help retrieve transaction details instantly and assist in fraud alert processing and customer journey management. Highly recommended for all integrations.

🛡️ Risk Management Module

A powerful suite to manage blacklists, control rules, and actions to reduce risks and fight fraud. It helps optimize fraud detection while maintaining user experience.

📊 Reporting

Two essential reports are available:

• Transaction Log
• Transaction File (discount image)

These reports can be shared with your information systems to assist in bank reconciliation and transaction audits.

💰 Payment Methods

Enable fallback payment options in case of refusal. A wide range of alternative payment methods is supported by Payline.

🧾 Return Codes

Track the lifecycle of transaction return codes to better understand transaction statuses and behaviors.

🚀 Advanced Features

🔒 Tokenizer

Replaces sensitive card data with secure tokens to reduce PCI DSS compliance requirements. Encrypted card data is securely stored in Payline’s environment, enabling safe future operations using tokens instead of raw card data.

📦 Batch Interface

Submit and process transactions in offline batch mode. Useful for processing validations, refunds, or cancellations in bulk.

🖥️ Virtual Electronic Payment Terminal (TPEV)

A secure web-based virtual terminal for manually entering payments. Available in multiple languages: French, English, Spanish, Portuguese, German, Polish, and Dutch.

🏷️ White Label Customization

Adapt Payline’s interface to your brand — ideal for resellers or distributors looking to provide a white-label solution.

🌐 Brand Selection

In compliance with European regulations, cardholders can choose between domestic (e.g., CB) and international card networks (e.g., VISA, Mastercard) at checkout.

🔄 Automatic Retry

Increases authorization success rates by automatically retrying transactions based on acquiring bank refusal codes.

🧾 Payment Facilitator Support

Handle transactions on behalf of affiliated merchants as a payment facilitator with shared acquiring contracts.

🧾 Soft Descriptor

Customize how payments appear on your customer’s bank statement by setting a merchant name or store label defined in your distance selling agreement.

✅ 3D Secure Customization

Personalize the 3D Secure authentication page by displaying your brand name to customers.

📮 AVS (Address Verification System)

Verifies the cardholder’s billing address during the transaction to strengthen fraud detection.

🔁 Retry on Failure

Payline can automatically reattempt failed transactions using intelligent retry logic based on the response codes from the acquirer.

🔐 Tokenization

A core feature that replaces card numbers with tokens, helping merchants minimize the handling of sensitive data and PCI DSS scope.

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