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Build Payments Into Anything

The Monek API gives developers a clean, RESTful interface to accept cards, trigger payouts, and manage merchants. Full UK acquiring sits behind every transaction.

Read the DocsGet Sandbox Access
✓ RESTful JSON API
✓ Sandbox environment
✓ Webhooks
✓ UK acquiring

Everything you need to integrate payments

Fast Integration
Form-encoded REST. Sandbox keys ready before lunch.
PCI DSS Compliant
Card data hits our servers, not yours. PCI scope stays out of your codebase.
GBP acquiring
We acquire in sterling and settle to your UK bank account. EUR and USD are available through partner acquiring.
Webhooks & Events
We POST to your endpoint when something happens. Signed payloads, automatic retry on failure.
SDKs & Libraries
An official WooCommerce plugin, plus a REST API for every other platform.
Reporting API
Pull raw transaction data, reconciliation reports, or pre-built settlement summaries.

Start accepting payments in minutes

  1. 1Post your transaction fields
  2. 2Customer pays on the hosted page
  3. 3Take the result by redirect or webhook
POST /Secure/Checkout.aspx
POST /Secure/Checkout.aspx HTTP/1.1
Host: staging.monek.com
Content-Type: application/x-www-form-urlencoded

MerchantID=1234567
&MessageType=ESALE_KEYED
&Amount=2500
&CurrencyCode=826
&CountryCode=826
&Dispatch=NOW
&ResponseAction=REDIRECT
&SuccessUrl=https://yoursite.com/thanks
&FailureUrl=https://yoursite.com/sorry

RESPONSE (ResponseAction=JSON):
{
  "amount": "2500",
  "result": {
    "crossReference":    "260812101112457459X2R",
    "responseCode":      "00",
    "authorisationCode": "457459"
  }
}

Official Plugins & Integrations

W
WooCommerce
Free plugin · 5 min setup
View plugin →
X
Xero
Free plugin · 5 min setup
View plugin →

Test Without Risk

Our full sandbox environment mirrors production exactly. Use test card numbers, trigger webhooks, and simulate edge cases before you go live.

Test Cards
Visa4015 5011 5000 0216
MC5457 3599 8877 6115
Amex3742 510276 30000
3-D Sec4012 0010 3714 1112

Expiry 12/yy. Amounts under 50.00 approve; anything higher declines, so you can test both paths with the same card.

Sandbox API
Base URL
https://staging.monek.com/Secure/

Same endpoints and fields as production, on the staging host — swap the hostname and your integration runs unchanged.

Request a test Merchant ID →

Payment Terminology

Quick reference for common payment terms. View the full glossary →

3-D Secure 2+
Authentication protocol that verifies the cardholder's identity during online payments, reducing fraud and chargebacks.
API+
Application Programming Interface — allows your software to communicate with our payment system to process transactions.
Chargeback+
A transaction reversal initiated by the cardholder's bank. Prevent these with good record-keeping and customer service.
Interchange+
The fee charged by the card schemes (Visa, Mastercard) to the merchant's bank for each transaction processed.
MOTO+
Mail Order / Telephone Order — card-not-present transactions taken over the phone or via mail.
PCI DSS+
Payment Card Industry Data Security Standard — set of security requirements to protect cardholder data.

Ready to integrate?

Get your API keys and start building today. Our developer support team is on hand if you need help.

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