Build your own portfolio of merchants. For the payments they take, Mo.one sends you a reward every month. There is no cap on what you earn and the portfolio is yours under contract.
The phrase passive income turns our stomach as much as it does yours. Which makes it all the more of a shame when somebody files us under it before looking at what we actually do.
We are not a pyramid. We are a digital franchise supervised by the Czech National Bank.
You build your own portfolio of merchants and get a share of the payments made in it. The money the rewards are calculated from flows through the ČNB payment system.
mo.one/?ref=your-name, the kind everyone knows from anywhere on the internet today.Mo.one a.s. is licensed by the Czech National Bank and builds payments that go straight from account to account, with no intermediaries. We want to take payment technology further. A physical card that lights up a dragon's eyes on a picture when you tap it on a terminal is not innovation as far as we are concerned.
The money goes from account to account, with no card companies in the middle.
Mo.one a.s. is a payment institution licensed by the Czech National Bank.
With each one we went through what does not work and by when it will be fixed.
The price for a merchant, for the first 1000 businesses. After that always 0.78 % at most. No terminal rental, no fees for statements.
The guest taps their phone on the NFC tag and the money reaches the merchant.
A business is convinced by a neighbour, not by a salesperson who drove over from Prague for an hour.
Not for hours sat through. A franchisee answers to themselves.
No recruitment meetings and no motivational weekends. We are not multilevel.
It used to be a necessary tax on convenience. Today a payment can go directly, with no intermediaries. That money belongs to Czech business owners and their customers.
The bank that issued the customer's card takes 0.2 % of every payment. With business cards up to 1.6 %. For issuing the card and giving the client the means to pay in a shop.
Visa or Mastercard guarantee that a card payment really reaches the right account. That costs around 0.3 % of the payment on average. Thanks to instant payments and open banking, banks can now do this directly between themselves. We are not saying cards should disappear. They are still needed for payments from foreign customers. It is just that an ordinary Czech payment no longer needs that step in between.
The third part is taken by whoever supplied the merchant with the terminal and settlement. It is often calculated on the MIF++ model, that is, bank and scheme fees plus the processor's margin on top. A card therefore commonly comes to around 1.3 % of turnover in the Czech Republic. When a merchant accepts cards with us, Mo.one is that processor. But even we cannot influence the first two parts.
The payment goes straight from account to account. No terminal rental, no fees for statements. That is why we can take the price where cards cannot go.
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CARD SCHEME
„Hardly anyone can afford a global brand's franchise. We built our partnership so that anyone who can work with the people around them can start a business of their own. A hunter is not our employee - they are a partner. They do not sit out paid hours - they build their own portfolio. And that makes an enormous difference to how much you enjoy the work. It makes sense both ways: the better Mo.one does, the easier it is for a hunter to sell. And the better hunters do, the stronger Mo.one is. A shared interest, no magic."
You drop in on a business and show them plainly how much they pay for accepting cards today and how much they would pay with Mo.one. No pressure. Either it makes sense or it does not.
When it does make sense, you take the merchant through registration right there and help them set payments up.
The merchant has your number, not a call centre line. When they need something, they deal with a person they know. A happy portfolio is your whole business.
Anyone can promise earnings and it means nothing. Let us put it differently. Every payment made at a merchant carries a fee. With cards, a large part of it leaves the Czech Republic and you get nothing from it, because somebody else decides about it. With us, part of that fee goes to you. Every month, for as long as payments run at that merchant.
You do not get paid for turning up somewhere. You get paid because something works.
When someone is paid by the hour, it pays them for the work to take a long time. We all know building sites that drag on for years because of that logic. When they are paid for the result, it is the other way round: it pays them to do the work well and quickly, because from that moment it starts bringing something in. The merchant saves, the franchisee has a share in it working, we have a growing network.
And something personal on top. We do it for money too, of course - we feed families like everyone else. But also because we want something decent to be left behind us for our children. That is why, alongside payments, we are preparing things like a secure chat or a fair marketplace. It may sound naive. We think this is exactly how payment technology should be built.
From 1 October, 79 999 Kč. We write it here so you do not have to go looking. Registration takes two minutes and commits you to nothing. Questions? Call us, a person picks up. Weekdays 9 am to 5 pm.
Registration takes two minutes and commits you to nothing. Within three working days a coordinator will be in touch and you will go through the licences, the first steps and your plan together.
We have sent you a verification message. Tap the link in it and continue in the Mo.one app. Within three working days a coordinator will be in touch.
