Get payment flexibility across your entire supplier network. Designed for SMBs and freelancers with universal Visa acceptance.
Take control of your cash flow with up to 45 days payment flexibility. Accepted everywhere Visa is accepted with no annual fees.
MonduCard is designed specifically for SMBs and sole proprietorships, who need better working capital solutions. Many businesses struggle to qualify for traditional commercial credit cards from banks, often only receiving debit cards that don’t address payment flexibility needs.
Through our proprietary risk assessment technology and proven track record with SMB payments, Mondu can approve businesses that traditional banks often turn away.
Unlike typical corporate cards that offer limited settlement time, MonduCard provides a 15-day settlement period following your 30-day billing cycle. This extended timeframe of up to 45 days gives your business substantially more breathing room than most commercial cards on the market.
Bridge the timing gap between procurement and revenue generation.
Pay suppliers globally, online and in-store, also available via your digital wallet.
No annual fees, no interest when paid within terms.
MonduCard works with any supplier that accepts Visa payments – from your regular office supplies to major equipment purchases. This universal acceptance means you can enjoy flexible terms, even with suppliers who don’t offer their own payment flexibility.
Compatible with:
Create a user account in Mondu’s portal (or log in if you have one), and request MonduCard.
Complete the KYC process via the portal and download the Mondu app for secure authentication.
Virtual cards available instantly, physical cards arrive in 3-5 business days.
Track all transactions in your user account’s dashboard.
Use your MonduCard anywhere Visa is accepted
All purchases consolidated into a monthly statement
Additional time to pay after statement date
Settle your bill via bank transfer by the deadline
Continue with full payment flexibility
MonduCard incorporates comprehensive security measuresÂ
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. More information regarding how to use MonduCard, troubleshooting and support is available in our comprehensive Buyer FAQ page.
MonduCard is a business credit card, meaning you pay your full balance each month rather than carrying debt. Unlike debit cards that use your existing funds, MonduCard provides 45 days of payment flexibility (30-day billing cycle + 15-day settlement period). Unlike revolving business credit cards, there’s no option to make minimum payments or carry balances month-to-month, which keeps your finances predictable and reconciliation straightforward.
No, MonduCard doesn’t include cashback programs. While other commercial cards focus on expense management and rewards, MonduCard focuses on providing extended payment flexibility that can be more valuable for businesses managing cash flow gaps. The extended payment window (up to 45 days) often provides more financial benefit than typical cashback rates.
This feature is not yet available, but will be added during 2026. You will be able to issue additional cards for key personnel such as company directors or authorized team members. All cards share the same company purchase power* (limit) by default, with the option to assign custom per‑card limits. You maintain control over the total spending across all cards through your Mondu portal, with all activity consolidated into one monthly statement. We’re continuously enhancing multi-user management features including spending controls and approval workflows.
* Purchasing power is tailored per customer (company) and may adjust over time according to repayment behavior
Foreign exchange: 1.5% on non-EUR transactions*
* Subject to change, check our T&Cs for updated information
MonduCard is currently available to businesses based in the following countries:Â
Additional markets will be added based on customer demand.
The card works globally wherever Visa is accepted, but your business must be registered in one of these eligible markets to apply.
Your MonduCard credit limit is part of your overall Mondu purchasing power – both draw from the same credit limit. Using MonduCard may reduce your available BNPL limit, but consistent usage and timely payments can help increase your overall purchasing power over time.
You can apply to increase your purchasing power (limit) in the MonduCard tab within the Buyer Portal. Mondu then conducts a more comprehensive review with decisions usually provided within 24 hours. Consistent usage, timely repayments, and strong payment history help us better understand your business profile and may qualify you for higher limits. For large increases, we may require additional documentation such as recent financial statements.
Each month, you’ll receive a digital statement by email with payment details including the amount, due date, and reference number. This statement will also be available in your Buyer Portal.
You can settle any outstanding amount by bank transfer using the provided details. In case of late payment, Mondu applies dunning and collections practices, in line with our T&Cs.
