At MOGU, you can easily charge your clients using personalized payment links.
To start receiving payments, you first need to set up a payment gateway in your account. Currently, you have two options available:
🌍 Global Gateway – available in more than 46 countries.
🇪🇸 Spain Gateway – available for accounts in Spain and offers lower fees than the global option.
Below, we explain how each option works, how to activate them, and what fees apply.
🌍 GLOBAL GATEWAY
Available for accounts outside of Spain. It’s a robust, easy-to-set-up solution compatible with multiple payment methods and currencies, allowing you to start receiving payments from travelers in minutes.
✅ Benefits
Fast, 100% online setup: No paperwork, no waiting. Activate it directly from your MOGU account.
Card payments: Accept Visa, Mastercard, and American Express.
International payments: Accept payments from anywhere in the world and in various currencies.
Local currency payout: Even if the traveler pays in another currency, you always receive funds in your account’s currency.
Secure: Stripe complies with the highest security and data protection standards (PCI DSS).
High compatibility: Available in 46 countries and supports 135+ currencies.
Various supported payment methods.
We use Stripe internally – the world’s most widely used payment platform, trusted by millions of businesses.
⚙️ Set up
The process is fast, fully online, and completed within your MOGU account.cuenta de MOGU.
The global gateway is only active for accounts outside Spain due to the more economical local gateway. If you need to activate the global gateway for an agency in Spain, please contact ✉️ support.
Steps to follow:
1. Log into your MOGU account and go to the Settings section.
2. Look for the Payments area and click Add Stripe.
3. A form will open asking for business details. This process is known as KYC (Know Your Customer) and is required to comply with international payment regulations.
💡 If you already have a Stripe account, you can connect it. Otherwise, one will be created automatically.
4. Once submitted, Stripe will review and approve your account (usually within a few minutes).
🚨 If anything is missing, Stripe will notify you via email.
5. Once approved, you can start creating payment links and charging clients directly through MOGU.
👤 What the traveler sees
This is how the traveler will view the payment screen:
💳 Supported payment methods
This gateway supports a wide variety of payment methods. The most common include:
Visa
Mastercard
American Express
Internationally issued credit and debit cards
Travelers can pay in their local currency, and you will receive the amount automatically converted into your account currency. For example, if you operate in Spain and a client pays from the U.S. in dollars, Stripe will convert the amount, and you’ll receive euros.
Stripe works in over 40 countries and allows payments in more than 130 currencies, perfect for dealing with travelers from multiple markets. Supported currencies depend on your country of operation (Spain, Mexico, or the U.S.).
🏷️ Fees
Payment processing fees consist of two parts: Stripe’s fee (varies by country and card type) + MOGU’s fixed fee based on your plan.
ℹ️ A currency conversion fee applies if payment is made in a currency different from your account's currency.
Country | Card Type | Stripe Fee | + Currency Conversion |
Spain | European card | 1.5% | +2% if applicable |
| UK card | 2.5% | +2% if applicable |
| International card | 3.25% | +2% if applicable |
Mexico | Local card | 3.6% | +2% if applicable |
| International card | 4.1% | +2% if applicable |
USA | Local card | 2.9% | +2% if applicable |
| International card | 4.4% | +2% if applicable |
For other countries and detailed info, refer to Stripe’s documentation.
MOGU Plan | MOGU fixed fee |
Business | 0.7% |
Premium | 0.4% |
Enterprise | 0.2% (negotiable) |
Example: A payment with a Spanish credit card under the MOGU Business plan:
Volume-based pricing is available under the Enterprise plan. For custom pricing, contact us.
📌 FAQ
Can travelers pay in a different currency than mine?
Yes, they can pay in any currency.
In what currency will I receive the money?
You’ll always receive funds in the currency set in your MOGU account, regardless of the payer's currency.
Is American Express accepted?
Yes, alongside Visa and Mastercard.
How do I withdraw the money I receive?
Funds go to your Stripe account. You can request free transfers to your bank, which typically take 3–5 days. Stripe also offers instant payouts.
Do MOGU fees change based on my plan?
Yes. Business: 0.7%, Premium: 0.4%, Enterprise: 0.2% (negotiable).
What’s the max amount I can charge through a payment link?
Up to €15,000 or its equivalent (e.g., $15,000 USD or $300,000 MXN).
🇪🇸 SPAIN GATEWAY
If your agency is registered in Spain, you can activate an exclusive local payment gateway that extends your options beyond card payments.
This gateway is fully integrated into MOGU via PaynoPain, a Spanish digital payment provider regulated under PSD2 and complying with the highest security standards.
✅ Benefits
Lower fee than the global gateway: From 0.5% (MOGU fee included) for domestic clients.
Online bank transfers allow travelers to pay directly from their bank account and offer these advantages:
No limits on amount: High-value payments accepted.
Irrevocable payments: Once approved, can’t be reversed by the client.
Faster and more secure: Payment is processed within the traveler’s secure banking environment, complying with PSD2 and Strong Customer Authentication (SCA).
Higher conversion rates: Over 82% success rate.
⚙️ Setup
To activate this gateway, fill out this form, and our team will contact you within 24 hours to provide a custom quote and optimize your fees.
💳 Supported payment methods
Once activated, this gateway allows two fully integrated payment options within your MOGU account:
Credit and debit card payments, both domestic and international: Visa, Mastercard, JCB, Diners Club International, Discover, and UnionPay.
Online bank transfers (EUR only), enabled via integration with over 100 banks in Spain and Portugal.
👤 What the traveler sees
Depending on their bank, travelers will see a payment screen for bank transfers with clear instructions:
For card payments, they’ll see this:
🏷️ Fees
With this gateway, the commissions are structured as follows:
Payment method | Applied fee |
Bank transfers | 0.5% flat per transaction |
Card payment | Adjusted to your business model. From 0.8% for personal cards |
📌 FAQ
How do I activate the Spain payment gateway?
Fill out the form and our team will provide a personalized quote and guide you through onboarding.
Can I accept payments via transfer?
Yes, thanks to PSD2 APIs. Clients choose their bank and initiate a transfer without leaving the checkout process.
Can I accept card payments?
Yes, this gateway supports both transfers and card payments (Visa, Mastercard, JCB, Diners Club, Discover, UnionPay).
What are the fees for this gateway?
Transfers: flat 0.5%. Card fees start at 0.8% depending on your volume and type of business.
Can clients pay me with cards in other currencies?
Yes, and you ALWAYS receive euros.
The system uses Dynamic Currency Conversion (DCC), allowing international clients to choose to pay in their own currency (e.g., USD).
They’ll see the amount in both currencies and who handles the conversion (gateway or their bank).
Example:
Client pays with a USD card.
System converts to EUR using real-time exchange rates.
You receive the payment in euros.
The client sees the converted amount and the party responsible for the conversion.
How is this gateway different from the Redsys (POS) gateway?
It’s cheaper and simpler. Instead of paying a Redsys + MOGU fee, you only pay a 0.5% flat fee for transfers.
It also provides better stability, fewer declined payments, and a smoother setup with no bank negotiation required.
How long does activation take?
On average, two weeks from when you send the form. It depends on how quickly you provide required documentation.
How does the money arrive?
Once the traveler completes the payment, the amount is processed through the payment gateway and transferred to the bank account you provided during the KYC process.
The gateway settles payments daily, so you’ll receive the funds as they are authorized.