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For business

Money from a payment within three seconds. And the fee stays in Czechia.

The customer holds up their phone, confirms the payment in their own bank and the money is in your account. Account to account, no middlemen. You keep cards.

Sign up Work out the saving
3 smoney in your account
fee 0.49 %and nothing on top
9banks connected
Why we do it
up to 25 billion CZK a year

That is what Czech shops and business owners like you pay in card fees. A large part of it leaves Czechia. We are building payments so that this money stays in the Czech economy. With you and with your customers.

Source: Bank Card Association, 2025 statistics. Card payment volume at merchants in Czechia 1 278 billion CZK.

Mo.one a.s. is a payment institution licensed by the Czech National Bank.

How it works

Three steps. Three seconds.

01

The guest taps their phone

On the Orbit terminal or the PayPoint on the counter. The same gesture as with a card, nothing to learn.

02

They confirm in their bank

With a fingerprint or face, right in their banking app. The security of the payment is handled by their bank.

03

The money is in your account

From account to account through CERTIS at the Czech National Bank. Available right away for buying stock and for wages, not in three days.

3:27
‹ PayREPORT A PROBLEM

Fast payment in progress…

3:27
× Payment Mo.one a.s. from your account 0206173011/0600
To account
000000-5771822073/0800
Variable symbol
740720
Specific symbol
Constant symbol
Due date
19 Sep 2026
Payment type
Instant
Message for the payee
Payment Kavárna Zrnko
Pay 89 Kč
3:27
Payment sent
3:28
‹ Outgoing paymentREPORT A PROBLEM
IBAN
CZ65 0800 0000 1920 0014 5399
Variable symbol
740720
Amount
89 Kč
Note
Payment Kavárna Zrnko
Transaction ID
ZYDYKM
Paypoint
White
Payment status Processing Completed successfully
Where the fee goes

With a card payment, three parties take a share.

Payment card BANK CARD SCHEME
Payment terminal
Issuing bank 0.2 to 1.6 % for issuing the card to the customer
Card scheme around 0.3 % guarantees the payment reaches the right account
Acquirer with the terminal margin on top the only part that can be negotiated

So a card in Czechia usually costs around 1.3 % of turnover. Nobody can change the first two parts, not even us.

Mo.one direct payment

The money goes from the customer's account straight to yours.

3:27
‹ PayREPORT A PROBLEM

Fast payment in progress…

3:27
× Payment Mo.one a.s. from your account 0206173011/0600
To account
000000-5771822073/0800
Variable symbol
740720
Specific symbol
Constant symbol
Due date
19 Sep 2026
Payment type
Instant
Message for the payee
Payment Kavárna Zrnko
Pay 89 Kč
3:27
Payment sent
3:28
‹ Outgoing paymentREPORT A PROBLEM
IBAN
CZ65 0800 0000 1920 0014 5399
Variable symbol
740720
Amount
89 Kč
Note
Payment Kavárna Zrnko
Transaction ID
ZYDYKM
Paypoint
White
Payment status Processing Completed successfully

Customer

PayPoint

+89 Kčcredited · 3 s

Merchant account

The PayPoint is linked to your account. The customer only picks up the requested payment on it and confirms it in their bank. The money goes from their account straight to yours through CERTIS, the system of the Czech National Bank. Mo.one never touches it, it only passes the instruction to their bank.

0.49 % A single fee, for the first 1 000 business owners. After that always 0.78 % at most. No terminal rental, no statement fees.
Work out the saving Sign up
What you get with us

Three ways to take payments.

Mo.one PayPoint, black and white
Direct payments

PayPoint next to your existing till.

You put it next to the till. The customer holds up their phone, confirms the payment in their bank and the money is in your account within three seconds.

  • No power supply and no installation
  • Set up in minutes, you keep taking cards as you do today
  • 0.49 % of the payment for the first 1 000 business owners
More about the PayPoint
Orbit payment terminal A phone as a terminal with the Hub Lite till
Card transactions and SoftPOS

Cards and direct payments in one terminal.

Orbit terminals take cards as well as direct payments. And if you do not want a terminal, you turn a phone into one with the Hub Lite till. No extra device on the counter.

  • Cards and direct payments in one overview
  • No monthly fee with turnover above 100 000 Kč
  • We work out your card terms individually
More about terminals
The Mo.one Hub till on a tablet
Till

Mo.one Hub.

A till, orders at the table, closings and sales overviews in one place. You see payments the moment they arrive.

  • Basic version free
  • Orders at the table and a kitchen display
  • Exports for accounting
More about Mo.one Hub
A customer paying by phone at a PayPoint
Customer

What the customer gets

They pay by phone straight from their account, with no card in their wallet. They collect Stardust points for paying and send money in chat in two taps.

Mo.one for people
A café counter with a PayPoint
Business owner

How it works day to day

Sign-up in seven minutes, staff without access to your account, statements for your accountant. Plus a share of the payments of every customer you bring to us.

How it works day to day
Get started

Start taking direct payments.

Sign-up is online and you put the PayPoint on the counter yourself. If you are unsure, we will go through it with you, no strings attached.

Sign up Work out the saving

Or a consultation, no strings attached with someone from Mo.one.

Frequently asked questions

What business owners ask.

What if the customer pays by card?
Nothing changes. The Orbit M and L terminals accept cards and direct payments on one device - the customer chooses how to pay and you get both in one overview.
When will I see the money in my account?
A direct payment is in your business account within three seconds - it goes from bank to bank through CERTIS at the Czech National Bank. Card payments are credited by standard settlement.
What does it cost?
A direct payment costs 0.49 % of the payment - for the first 1 000 merchants, after that always 0.78 % at most. No activation fees. With turnover below 100 000 Kč a month the terminal costs 350 Kč a month. For card payments we put the price together to fit your turnover and average transaction - the calculator shows an indicative saving, and you get the exact offer at a consultation with no obligation.
Do I have to change my bank or my accounting?
No. Takings arrive by bank transfer into your existing business account at any Czech bank. For accounting you get overviews and exports, and with Hub complete till records as well.
What do I need to get started?
A company ID, a place of business and a moment of your time. You put the PayPoint on the counter yourself, the terminal arrives ready to use. Merchant registration is done online.
Can customers even pay straight from their account?
The network is growing - over 2 800 registered users, 9 connected banks and an opinion from the Czech National Bank requiring banks to simplify payments further. And until then, cards cover the rest on the same terminal.
Is direct payment safe?
It is a bank transfer: the customer confirms the payment in their own bank and strong authentication is handled by the bank. According to EBA data, an account-to-account payment is safer than any other payment method. And Mo.one is a payment institution supervised by the Czech National Bank, with resilience requirements under the DORA regulation.