The Mo.one calculator

How much will payments save you? Let us work it out straight.

Upload your settlement statement and we will do the analysis for you - we break down all three parts of the fee, show your real rate and a tailored offer. Without a statement, a quick estimate from three numbers will do.

3transition scenarios
0commitments and blind promises
10 sand you see the result
 Recommended

Upload your settlement statement - we will do the analysis for you.

A photo or PDF of the monthly statement from your current provider is enough - even shot on a phone, page by page. Within a few seconds you get:

  • A breakdown of all three parts of the fee - the processor's margin, interchange and card scheme fees - explained in plain language: what each one means and who you pay it to.
  • Your real rate. Most business owners pay more than they think: the sale often mentions only the processor's margin, and the other two parts - surcharges on corporate cards, for example - show up only on the statement.
  • A tailored offer - your saving on cards and with direct payment, for one year, three years and five years ahead.

We do not store the statement anywhere, do not pass it to anyone and do not use it for anything else. We read the numbers from it and the file is discarded immediately - it stays neither with us nor with any third party.

The analysis takes a few seconds. A statement with several pages? Select as many photos at once as you need.

JPG · PNG · PDF we store nothing no obligation
Or a quick estimate from three numbers

An indicative calculator for a first idea. We use published rates and deliberately the most cautious variant, so the result undershoots rather than overshoots. The analysis from your statement above is more precise: there you do not have to estimate anything.

Not sure? We will use a model 1.30 % - that is what a typical Czech business pays. The analysis of your statement above reveals the real rate.
 Fill in turnover and average transaction - the saving works itself out.

An indicative calculation based on published rates, in the most cautious variant. The real offer tends to be better, because we prepare the price to fit each business.

Go through the result at a meeting
Pricing

Three rules, no asterisks.

No activation fees and one clear rate for a direct payment: 0.49 % for the first 1 000 merchants, after that always 0.78 % at most.

01

Nothing fixed

No maintenance or activation fees. With monthly turnover above 100 000 Kč you pay nothing for the terminal. Below that the terminal costs 350 Kč a month.

02

The price by component

With cards you see interchange, the scheme fee and our margin separately. A direct payment goes without card schemes, so it carries no interchange and no scheme fee.

03

A tailored rate

The final card fee follows turnover, the average payment and the share of direct payments. The more of them there are, the lower the price comes out.

Watch out for commercial cards

One card costs differently than another. A direct payment does not.

The card fee depends on which card the customer pays with. With consumer cards the interchange is capped in the EU, with commercial cards it is not, so it tends to be several times higher. Neither we nor any other acquirer can change that.

A direct payment costs the same every time, whether the customer pays from a personal or a business account. The only thing you can do about it is teach your customers to pay with Mo.one. How to do it and what you get.

Always included

What you get at no extra cost.

A device to match your turnover

A PayPoint or an Orbit terminal depending on your business. From 100 000 Kč of monthly turnover we finance it, with no rental.

The Hub till

Free for two years during the pilot. Till, stock, kitchen and takings.

Overviews and exports

Daily takings, top products, documents for your accountant. Commercial and benefit cards shown separately in the report.

Support and service

Human support, device replacement and help with setup. No extra service packages.

Frequently asked questions

Straight talk about price.

How much does a direct payment cost?
0.49 % of the payment for the first 1 000 merchants, and they keep that rate. After that it will always be 0.78 % at most. No activation fees.
Why do you have no public card rate table?
Because one rate for everybody means most businesses overpay. We put the price of card payments together from turnover, the average transaction and the share of direct payments. The calculator shows an indicative saving on your numbers, the exact offer comes from a consultation with no strings attached.
Does the payment pass through a Mo.one account?
No. The money goes from the customer's account straight to yours through CERTIS, the system of the Czech National Bank. Mo.one only passes the instruction to the customer's bank about who to pay and how much, it never touches the money. That is why the fee is not deducted from individual payments: at the end of the month you get a settlement statement and pay the invoice in the app.
What are the side fees?
No activation fee and no terminal maintenance fees. With monthly turnover above 100 000 Kč you pay nothing for the terminal. Below that the terminal costs 350 Kč a month.
The terminal, do I buy it or rent it?
You get the device from us. From 100 000 Kč of monthly turnover we finance it and you pay nothing for it. We will go through the exact terms for your device and turnover in a consultation.
Can I leave if I am not happy?
Yes. No long-term commitments and no penalties for leaving. We want businesses that stay because it pays off, not because a contract holds them.
How to read the calculation
We do not dress anything up. We use published rates in the most cautious variant and three phases of the transition. What comes out is the lower bound of the saving, not the best possible one.
Cards keep running for you. Direct payments grow at a pace you set yourself.

Would you like to go through it in person?

Choose a time that suits you - half an hour on the phone, online, or at your place of business.