Monri Payments

Monri Payments is one of South-East Europe's leading payment providers, giving merchants a single roof over every way money moves through their business. Card acceptance in-store and online, fiscal cash registers built for hospitality and retail, softPOS on any Android device, loyalty programs, and now cryptocurrency checkout — all connected to twenty-five plus banks and financial institutions across the EU and beyond.

The platform operates across Croatia, Bosnia and Herzegovina, North Macedonia, Romania, Slovenia and Serbia, with a product family spanning the Remaris hospitality register, the Smart hospitality system, the Thor retail register with full back-office, the Start mobile register for services and events, and the SinglePOS terminal that accepts every major card scheme including instalment plans. Monri Payments is Visa Validated Service Provider and PCI DSS compliant, and was included in Deloitte's Technology Fast 500 EMEA list for its growth in digital payments.

Rubycode implemented Mastercard Click to Pay directly into the Monri online checkout, letting shoppers pay with any enrolled card in a couple of clicks — no PAN entry, no card typing, no CVV re-typing on every merchant. The integration follows the EMV Secure Remote Commerce specification, plugs into Monri's tokenised card vault and works alongside the existing 3-D Secure 2 flow so PSD2 SCA is preserved without extra checkout friction.

The rollout covered SDK integration, the merchant-facing enrolment flow, cardholder recognition across visits, fallback handling when Click to Pay is unavailable, and the analytics needed to compare conversion of Click to Pay versus PAN entry. Beyond that, Rubycode contributed engineering capacity across backend services powering online payments, merchant tooling and integrations for Monri's broader product family.