Setting Up MonuPay (Merchant Application)

Reveal the hidden card, apply through PayFactory, and start accepting card payments once approved.

Written By Dennis Rodin

Last updated 5 days ago

This guide walks you through connecting your merchant account so your shop can accept card payments from customers. Find it in Settings → Integrations, on the MonuPay card.

First: reveal the MonuPay card

The MonuPay card is hidden by default while the feature rolls out. If you can't find it in Settings → Integrations, that's expected.

MonuPay is in early access. If you do not see the MonuPay card in Settings → Integrations, it is not enabled for your shop yet. Reach out to MonuDesk support to get early access.

  • If a teammate says they "can't find MonuPay," this hidden-card behavior is almost always why.

Start your application (Get Started)

Once the card is showing, click Get Started. You'll first choose who pays the credit card processing fee: either Customer pays the fee or I absorb the fee (the recommended option). Pick the one that fits your shop.

This choice is hard to undo: changing it later can only be done manually by MonuDesk support and may require re-registering as a merchant. So choose carefully before you continue.

Then click Confirm Choice and Setup Merchant Account. MonuDesk redirects you to PayFactory's secure, hosted merchant application.

Complete the hosted PayFactory application

The application is hosted and processed by PayFactory (you'll see "Powered by Payfactory" on the card). To save you time, MonuDesk pre-fills what it can from your company profile, including:

  • Your name as the signer.

  • Your company name and company email.

  • Your business address, phone, and DBA name, where they're on file.

Review every field, fill in anything that's missing, and submit. Because PayFactory needs your real business details, make sure your company name and email are set in MonuDesk before you begin. The application can't start without them. The signer's first and last name are pulled from your user settings, so make sure your last name is filled in there. A missing last name used to block onboarding, and that has been fixed.

While your application is in review

After you submit, your application goes into review. The card shows an Application in review badge and an amber panel letting you know it's being looked at. Reviews usually take 1–2 business days.

Two different controls can appear here, depending on how far you've gotten:

  • Resume application: appears only if you started the application but haven't finished submitting it. Click it to pick up where you left off in the hosted form. If you'd rather begin again, you can also restart the application and start a fresh one from scratch.

  • Refresh status: appears once you've submitted. There's nothing left to resume, so this link just re-checks PayFactory for the latest decision. Click it if you think you've been approved but the card hasn't updated yet.

When you're approved (Connected)

Once PayFactory approves your application, the integration moves to the APPROVED state and the card flips to a Connected badge with Accepting payments. You'll see your merchant name, "Payfactory," and the date you connected.

Important: your shop can only take card payments once the integration is APPROVED. Until then, the customer portal's pay button stays disabled and the order will explain why. (You can always record cash, check, or bank-transfer payments manually in the meantime.)

To disconnect later, open the three-dot menu on the card and choose Disconnect. Note that disconnecting means re-applying if you want to accept cards again.

If your application is declined

If PayFactory declines your application, the card shows Your application was declined along with a Contact support link. Reach out to our team at support@monudesk.com and we'll help you understand why and what to do next.

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