How to Accept Card Payments with Monzo Business

By Olivia Johnson - Trusted UK Business Expert

Last Updated 1st of June 2026

4 minute read

Taking card payments is key for any UK business today. Many owners use Monzo Business, but are unsure how it works for payments. This guide shows you simple steps to accept card payments with ease and confidence.

Monzo Business does not take card payments directly. To accept card payments, you must connect a third-party provider like Square, Stripe, or SumUp. These tools process payments and send funds to your Monzo account, enabling in-store, online, and mobile transactions.

There is more to learn about tools, fees, and the best setup. Keep reading to find the easiest way to accept payments with Monzo and grow your business.

Ready to start taking payments the easy way? Click the link below to learn how Monzo Business can help you accept card payments quickly and securely.

How to Accept Card Payments with Monzo Business

Monzo Business is a popular UK digital bank. It helps small businesses manage money, track spending, and send invoices. But it does not act as a card payment processor. This means you cannot plug in a card machine directly from Monzo.

Instead, Monzo works with other payment tools. These tools handle card payments, while Monzo acts as your business bank account. This setup gives you more choice and flexibility.

To accept card payments with Monzo Business, you need two parts:

• A Monzo Business account (your bank)
• A payment provider (your card processor)

Once connected, payments go from your customer to the provider, then into your Monzo account. This process is fast and easy to manage.

Accepting card payments with Monzo Business is simple when you follow the right steps. Many UK businesses use this setup every day. It works well for shops, freelancers, cafés, and online sellers.

Step-by-Step Guide

Here is how to get started:

Open a Monzo Business Account

You need a Monzo Business account first. This gives you a place to receive money. You can open one online in minutes.

Choose a Payment Provider

Monzo does not process payments, so you must pick a provider. Popular options include:

• Square
• Stripe
• SumUp
• PayPal
• Zettle

Each provider offers different features. Some are better for shops, while others work best online.

Set Up Your Payment Tool

Once you choose a provider, you can set up your system. This may include:

• Card reader (for in-person payments)
• Payment links (for remote payments)
• Online checkout (for websites)

Link to Your Monzo Account

Add your Monzo account details to your provider. This ensures your money is paid into your account.

Start Taking Payments

You are now ready to accept card payments. Customers can pay by:

• Debit card
• Credit card
• Contactless
• Mobile wallets like Apple Pay

If you’re unsure what device you need, explore different card payment machines or simple card readers to match your setup.

Ways to Accept Card Payments

There are many ways to take payments using Monzo Business. Here are the most common:

Card Readers

Card readers are small devices. Customers tap or insert their card to pay.

Best for:

• Shops
• Cafés
• Market traders

Example providers:

• Square Reader
• SumUp Air
• Zettle Reader

Payment Links

You can send a link to your customer. They click and pay online.

Best for:

• Freelancers
• Service businesses

Online Payments

If you have a website, you can add a checkout page.

Best for:

• E-commerce stores

Providers like Stripe and PayPal make this easy.

Tap to Pay on Mobile

Some apps let you take payments on your phone. No card machine needed.

Best for:

• Mobile businesses
• On-the-go payments

Does Monzo Offer a Card Reader?

No, Monzo does not offer its own card reader. It focuses on banking, not payment processing.

This is not a problem. Many businesses prefer choosing their own payment provider. It gives more control over fees and features.

Fees to Expect

When accepting card payments, you will pay fees. These come from your payment provider, not Monzo.

Here is a simple breakdown:

Always check the provider’s pricing before you start.

To understand pricing in more detail, see how card machine fees work, including typical transaction fees and ways to find the cheapest card payment machine in the UK.

Pros and Cons of Using Monzo for Payments

Pros:

• Easy to set up
• Works with many providers
• Fast payments into your account
• Great app for tracking money

Cons:

• No built-in card processing
• Requires third-party tools
• Fees depend on provider

Monzo Integrations

Monzo works well with many payment systems:

• Stripe – Best for online payments
• Square – Great all-in-one solution
• PayPal – Widely trusted
• SumUp – Low-cost card readers
• Shopify – Perfect for online shops

These tools connect easily and support business growth.

Is Monzo Business Good for Taking Payments?

Yes, Monzo Business is a strong choice. It is best when paired with the right payment provider.

It suits:

• Small businesses
• Startups
• Freelancers
• Retail shops

The app is simple. You can see payments in real time and manage cash flow easily.

Alternatives to Monzo

Some banks offer built-in payment tools. These include:

• Starling Bank
• Tide
• Traditional merchant accounts

However, Monzo gives more flexibility. You can choose the best payment provider for your needs.

What is the Best Payment Provider for Monzo?

The best provider depends on your business type. For shops, Square or Zettle work well. For online stores, Stripe is a top choice. Freelancers may prefer PayPal or payment links. Always compare fees and features before deciding.

How Fast Do You Get Paid?

Most providers pay within 1–3 days. Some offer instant payouts for a small fee. This means your money reaches your Monzo account quickly. Fast payments help manage cash flow and keep your business running smoothly.

Do You Need a Card Machine?

Not always. You can take payments using links or mobile apps. However, a card machine is helpful for face-to-face sales. It gives customers a quick and easy way to pay.

Tips for Smooth Card Payments

• Choose a reliable provider
• Check fees carefully
• Keep your device charged
• Offer contactless options
• Test your setup before trading

These simple tips help avoid problems and improve customer experience.

Ready to start taking payments the easy way?

Click the link below to compare the best card payment solutions for your Monzo Business account and find the perfect fit for your business today.

FAQ

Can Monzo accept card payments directly?

No, Monzo does not process card payments. You must use a third-party provider like Square or Stripe.

What card readers work with Monzo Business?

You can use SumUp, Square, and Zettle. These devices connect to your payment provider and send funds to Monzo.

How do I take online payments with Monzo?

Use tools like Stripe or PayPal. Add your Monzo account to receive the money.

Are there fees for accepting payments?

Yes, but they come from your payment provider. Monzo does not charge transaction fees.

Is Monzo good for small businesses?

Yes, it is simple and flexible. When paired with a payment provider, it works very well for small UK businesses.

Make getting paid simple and fast. Tap the button below to discover how Monzo Business can transform the way your business accepts card payments today.