The Mo.one franchise · digital

Let us do business together

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.

256 / 998active licences
9banks connected
up to 0.16 %reward from portfolio turnover
What it is

Your own business, not on your own

We also call a Mo.one franchisee a hunter. It is the same word for the same role, only shorter, and you will find it in the names Hunter zone and Academy.

01

You do business under a Mo.one licence

Independently, at your own pace, with a licence valid across the whole Czech Republic. We provide the infrastructure, terminals, settlement and regulation - you provide the relationships.

02

You help businesses

You show a café, a salon or a repair shop how much they can save with direct payments, bring them to Mo.one and help them register.

03

You earn from every payment

Every month you get a share of the payments your merchants take. There is no cap on your earnings and the portfolio is yours under contract.

The customer confirms the payment in their bank
The money is in the merchant's account Credited

A Mo.one direct payment - from the customer's bank to the merchant's account, with no card companies.

Why it works

A local relationship, strong infrastructure

Direct payments have just been given the green light in the Czech Republic - and the network that will bring them into businesses is being built now.

the right time

The market has just opened

The ČNB opinion and the fixes to bank interfaces are opening the door to direct payments. Whoever starts building a portfolio now has a head start on everyone who comes later.

your relationship

Local knows local

A merchant trusts a business owner from their own town more than a call centre. You bring the relationship, we bring the infrastructure, terminals and settlement.

solid ground

Infrastructure supervised by the ČNB

You build on a licensed payment institution with its own infrastructure. The portfolio is yours under contract and there is no cap on your earnings.

Our franchisees work across the whole country

On the map you can see where our franchisees work. The larger the circle, the more franchisees in that area. Locations are rounded for privacy.

Verify it on the ČNB website

Mo.one a.s., company ID 02013517. A payment institution licensed by the Czech National Bank, scope AIS and PIS under PSD2, decision 2021/110092/CNB/570.

  1. Open the ČNB register and copy the verification code from the image.
  2. In the left menu click Basic lists and then Submit.
  3. In the list find the section Payment institutions and electronic money institutions.
  4. Open Payment institutions and foreign payment institutions established in the Czech Republic or Third-party providers.
  5. Click Next page. There you will find Mo.one a.s. with company ID 02013517.
Open the ČNB register ČNB opinion RS2025-28
Reward calculator

Work out your reward from a portfolio

Enter how many merchants you sign up and their average monthly turnover. We calculate with a rate of 0.16 % from direct payments on the Standard price list.

Projected income from a portfolio

A model pace, not a promise. A portfolio comes together step by step - but the merchants you sign up keep paying you in later years too. The work adds up.

Your monthly reward
16 000 Kč

a year 192 000 Kč · from portfolio turnover of 10.0 million Kč a month · commission 0.16 %

An indicative calculation at a rate of 0.16 %. Depending on the merchant's price list, commission on direct payments is 0.14 to 0.16 %; on card payments the rates are different and lower. One average merchant with a turnover of 250 000 Kč brings you roughly 400 Kč a month - and pays you every month for as long as their payments run.

Sign up
Investment

What entering the franchise costs

A one-off investment in the licence, no monthly fees. The licence is valid across the whole Czech Republic and the portfolio you build is yours under contract.

64 999

Standard licence

one-off incl. VAT, with a terminal included · 2026 Edition: Bronze to Gold with dozens of terminals, sub-accounts and an artwork from the L1 Art Index

0 Kč

Monthly fees

no ongoing payments for the licence - you pay once and the portfolio keeps earning for you

998

Licences in total, a final number

880 Standard + 118 premium in the 2026 Edition · the licence is valid across the whole Czech Republic

The licence is paid once, in advance. The franchise programme is run by LEGI.ONE CZ s.r.o., company ID 24502995, a subsidiary of Mo.one a.s. - you buy the licence from them and the contract is with them.

Founders until 30 September

The price grows with the value

The price of the licence follows the value you get in it. Every time the franchise has grown by something substantial, the price has grown too - here is how it has developed from the start.

29 990
The beginning 

the starting price for the first franchisees

39 990
The app 

the first version of the Mo.one app

49 990
The banks 

the start of the bank fixes, the first Hunter zone

54 999
Terminal 

terminal included

64 999
FoundersNOW, until 30 September

today's scope of the franchise

79 999
from 1 October10/2026

rollout in large chains

 
further 
 
further 

Prices include VAT. The last three steps are deliberately shown without a figure - we are not announcing specific prices for 2027.

What is included today

  • nine banks connected
  • the ČNB opinion on bank interfaces, issued on the basis of our submission
  • a terminal for cards and direct payment, the first of its kind in Europe
  • a point of sale system, SoftPOS and a payment gateway for e-shops
  • an app and a system for managing your portfolio
  • a two-year buy-back guarantee on the licence - only for licences bought by 30 September 2026, after that this offer ends

Why it costs more from 1 October

  • bank interfaces fixed under the ČNB opinion
  • rollout in large chains, more to follow
  • brand visibility at the tills of large chains

Alongside that we are working on a chat for users to communicate, which comes sooner, and on a marketplace.

Whoever joins now has the price fixed for good, including everything still to come. Founders ends on 30 September 2026.

You already know what matters

Does it make sense to you?

Registration takes two minutes and commits you to nothing. A coordinator will be in touch within three working days.

Not yet? Below you will find how the partnership works, what support you get and who is behind Mo.one. Read on

How joining works

We guide you through the first three months

And the guidance does not end there. The Hunter zone stays with you - a weekly plan, the Academy, a mentor and head office support are with you the whole way.

month 1

Training and first tasks

Training at head office every Tuesday, plus the Academy. The first goal: 10 users of the Díky Tobě! app and 5 merchants as a lead-finder with the team's support.

month 2

Your first deals of your own

The goal for the second month is three deals you close yourself - with mentor support behind you whenever you need it.

month 3

The first commissions

At the end of the third month the first real commissions arrive. After that you go at your own pace, with a weekly review with head office.

Growth

From your first merchant to a team of your own

You start by signing up merchants around you. In time you can lead and train other franchisees as a mentor - with a reward system and a clear path of growth.

training and the Academy mentoring head office support
Your support

The Hunter zone, your office in your phone

The whole acquisition process in one place - businesses in progress, the meeting calendar and the Academy with its courses. Real screens, this is what it looks like.

Home · an overview of the day and the portfolio
Valor · a monthly programme

Work that literally counts

For activity in the Hunter zone you collect valors - points for completed Academy courses, quizzes passed, meetings with merchants and a weekly plan fulfilled. The leaderboard is evaluated every month.

The most active hunters get financial bonuses - and the winner of the month drives a Tesla Model 3 in Mo.one colours for a month.

The winner of the monthly Valor with a Tesla Model 3 in Mo.one colours
The Valor winner with a Tesla Model 3 for a month
The central bank's word

We are not the only ones saying where payments are heading

The ČNB governor talks about instant account-to-account payments too, in MF Dnes and on camera.

„The future is paying by phone through instant payments - no card, no waiting, at a fraction of the cost."
Aleš Michl · governor of the ČNB · 30 April 2025, MF Dnes

Instant account-to-account payments are not a fringe technology. They are discussed at central bank level and European regulation is moving the whole payments market towards them.

That is the environment we are building in. The governor goes on to say on camera that we already have a digital koruna. Links to both sources are below.

The governor's quote refers to instant payments in general. The ČNB does not comment on specific providers and does not endorse Mo.one in any way.

Who looks after you

The franchise is not a call centre, it is these people

From the first call to the hundredth deal - this is the team you will actually be talking to.

Štěpánka Frančíková

Štěpánka Frančíková

Director of the franchise department

She runs the whole franchise department and the licence programme. She built her management career in a director's role at Sazka and for years ran her own art gallery - today she also curates the L1 Art Index collection.

Jan Frančík

Jan Frančík

Head of sales · mentor

A salesperson through and through. He leads sales and the mentoring of hunters - he goes to your first meetings with you and, from years in the field, knows what really works with business owners.

Matěj Štipák

Matěj Štipák

Development and marketing

He looks after the website, the Hunter zone and marketing. If something in the zone makes your work easier - a calculator, the Academy, materials for a meeting - he probably built it.

Kačka Koudelková

Kačka Koudelková

Franchisee support

The first line of support. She guides new hunters from registration to their first deals - when you are not sure what to do, you write to Kačka.

MP

Míra Poskočil

Franchisee support

He makes sure everything runs for you - from terminals and Hunter zone access to the materials you need on the table at a merchant.

Listen to us

How we talk about it in person

Frequently asked questions

What future franchisees ask

What does doing business with Mo.one mean?
Doing business with Mo.one is an opportunity for people who understand that freedom and success are paid for with responsibility. It is a path for those who want to do business in the world of finance, are not afraid of innovation and want to grow not only in wealth but as people. As a partner (a Hunter) you are not merely a distributor. You are the steward of your region. From the Mo.one brand you get first-rate tools, legal backing and know-how, but the result and the running of the region are in your hands. The franchise programme is run by LEGI.ONE CZ s.r.o., company ID 24502995, a subsidiary of Mo.one a.s. - the contract is with them.
Who are we looking for?
We are looking for people who want to be masters of their time, not its slaves. The number of licences is limited because we bet on quality, not quantity. The ideal candidate wants to stand on their own feet, is pragmatic, is good with people, is persistent and thinks like a business partner. We are not looking for people who wait for instructions, but for characters who understand that our profit is the reward for the service we provide to others.
What are the earnings and commissions? Is this passive income?
We do not use the term „passive income“, because it suggests something for nothing. What we offer is regular income from an asset built through hard work. Your income does not wait for „someday“. As a franchisee you get a share both from modern A2A payments and from conventional card transactions. That means a faster return and immediate commissions from the moment a merchant starts using the system. If you build a portfolio, it generates an income for you even while you sleep.
What do the first months of the partnership look like?
We start intensively and we expect commitment. 1) Training takes place at head office every Tuesday (attendance in person required, included in the licence). 2) You take on measurable tasks straight away: the goal for the first month is, for example, 10 „Díky Tobě!“ users and 5 merchants (as a lead-finder with the team's support). 3) The goal is independence - by the end of month 2 we aim for 3 deals closed by you, so that the first real commissions arrive at the end of month 3.
What exactly do we sell and what are our principles?
We go by fairness - you earn by lowering companies' costs. You sell a complete ecosystem: revolutionary A2A payments (money in the account immediately) and optimisation of ordinary payment cards. We cut waste (fees, plastic cards, paper). If the merchant does not earn, neither do we, and neither do you.
Why link your name with Mo.one?
Our goal is clear - revolutionary A2A payments and virtual accounts in the future. But we know what the market needs today. So we not only bring clients the future, we also optimise their existing payments with ordinary cards. You get a school of business, technology as a tool, and you become part of a community of builders. Doing business together has no ceiling - you invest in buying the licence and, above all, your own time.
Is an entry investment and experience required?
Yes, an investment in the licence is required - we are looking for partners and investors in a business of their own, not employees. Experience in finance is not a condition, we will teach you everything. What is a condition is commercial drive, a will to learn and the capital to buy the licence - the current price is always stated above in the Investment section.

Sign up and we will go through the rest together

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.

The account is created in the Mo.one app. Do you already have one? Sign in.