MonduCard solves that. Buyers get a revolving credit line
to purchase from you, and you get paid within 24–48 hours.
MonduCard solves that. Buyers get a revolving credit line to purchase from you, and you get paid within 24-48 hours.
MonduCard is designed specifically for SMBs and sole proprietorships – buyers who often struggle to qualify for traditional commercial credit cards from banks, and end up with debit cards that don’t solve their cash flow problem.
Through our proprietary risk assessment technology and track record with SMB payments, Mondu can approve buyers that banks often turn away.
Unlike typical corporate cards with limited settlement time, MonduCard offers a 15-day settlement period following a 30-day billing cycle. That’s up to 45 days of breathing room for your buyers.
higher conversion rate
increase in average order value
you get paid
credit risk on your books
Your business buyers get a free virtual card with a revolving credit limit. All purchases are consolidated into a single monthly statement, payable on the 15th of the following month – up to 45 days interest-free. The limit resets automatically, so they keep coming back.
A banner on your site, a QR code in-store, or an email points your customers to MonduCard.
They land in the Mondu buyer portal, enter basic company details, and complete identity verification.
Mondu’s credit engine runs KYC and evaluates credit signals in seconds, assigning a limit up to €10,000.
The virtual card goes straight into Apple Pay or Google Pay. Virtual-first, with a physical card launching soon.
We know asking you to offer a new payment product to your customers is a big step.
That’s why we start with a no-strings pilot.
After the pilot, we review the data together – conversion impact, buyer adoption, payment mix – and agree on a model from there. No surprises, no hidden costs.
Advanced Visa security protocols, and Real-time Fraud Decisioning (RTD) by our card processor Marqeta
3D Secure authentication via the Mondu app, and secure tokenization for virtual cards
ISO/IEC 27001 certification
EMI (Electronic Money Institution) license from the Dutch central bank (DNB)
These FAQs provide answers to product-related questions.Â
Your buyer pays with MonduCard like any other Visa transaction, and you get paid within 24 – 48 hours as usual. The buyer then settles their balance directly with Mondu, with up to 45 days of payment flexibility on their side – a 30-day billing cycle plus a 15-day settlement period.
No. Once a purchase is made with MonduCard, Mondu takes on the credit risk. You’re paid as agreed regardless of whether or when your buyer settles their bill with Mondu.
Nothing during the pilot – there are no transaction or setup fees. After the pilot, we review the results together and agree on a model from there.
No. MonduCard runs on the Visa network, so it works at your existing checkout or terminal exactly like any other card payment – no engineering or technical integration required on your end.
MonduCard is currently available to buyers based in Germany and the Netherlands, with more markets being added based on demand. The card itself works globally, anywhere Visa is accepted.
Purchases are consolidated into a monthly statement, and the buyer settles the outstanding amount by bank transfer by the due date. Statements and payment details are available to them anytime in the Buyer Portal.
Yes. MonduCard draws from the same overall purchasing power as a buyer’s other Mondu products, so using one may affect what’s available on the other. Consistent, on-time repayment helps grow their purchasing power over time.
