With the change to Adyen's card payments, Montonio will begin automatically deducting card payment service fees from payout reports. Please note that this applies only to card payment & BLIK fees — other Montonio service fees (bank payments, subscription fees, shipping) still have to be paid by an invoice.
Information regarding the BLIK fee deduction can be found on: Montonio x BLIK (Polish Payment Standard) overview
Previously, Montonio transferred the gross transaction amount to merchants, and card payment fees were invoiced and paid separately. From now on, we’ve moved to a net settlement model, where card payment service fees are deducted before the payout is made to the merchant. This means merchants will receive the net amount, with Montonio’s service fees already accounted for.
New fields in exports
To help you and your accountants properly record this change, we’ve prepared detailed accounting instructions below.
In Montonio’s payout reports, you will still see the gross transaction amount — the total amount paid by customers. Here's an extract from our card payouts export with new fields highlighted in yellow
Card payment transactions are usually tracked separately in accounting, most often under an account such as “Card payments receivables”.
When Montonio makes its payout for card payments:
The payout can be used to settle the receivable balance.
The difference between the gross amount and the payout (i.e. the service fees) should be recorded as an expense for Montonio’s services.
Example
Let's illustrate this with an example. The amounts here are made up and arbitrary.
Card payouts gross amount: 1,000€
Montonio card payment service fees: 20€
Card payouts net amount: 980€ (this is what the merchant gets)
Step 1: Record the Sale (When the card payment happens)
When your customer pays through Montonio, you record the full sale and the related receivable from Montonio.
Account | Debit (€) | Credit (€) | Description |
Card Payments Receivable | 1,000.00 |
| Amount due from Montonio for card transactions |
Sales Revenue |
| 806.45 | Sale of goods (net of VAT) |
VAT Payable |
| 193.55 | VAT on sale |
💬 You record the total amount the customer paid (1,000€) as a receivable from Montonio.
Step 2: Record the Payout and Deducted Service Fee
When Montonio transfers the payout of 980€, you record the payment received and reduce the receivable balance. You don’t record the fee expense yet — that comes with the invoice.
Account | Debit (€) | Credit (€) | Description |
Bank Account | 980.00 |
| Amount received from Montonio |
Card Payments Receivable |
| 980.00 | Portion of receivable settled by payout |
💬 At this point, your receivable balance is 20€, which corresponds to the service fee that Montonio deducted and will later invoice you for.
Step 3: Record Montonio’s Invoice (for the Fee)
You will still receive a monthly invoice from Montonio summarising all service fees for the month.
If some of these fees (such as card payment fees) have already been deducted from payouts, the invoice will clearly show them as “Already deducted” — meaning no further payment is needed.
Note! This invoice must still be recorded in your accounting system, as it serves as a legal accounting document and proof of expense.
Account | Debit (€) | Credit (€) | Description |
Montonio Service Fees (Expense) | 20.00 |
| Card payment service fees |
Accounts Payable (Montonio) |
| 20.00 | Record supplier invoice from Montonio |
💬 This ensures the invoice and expense is registered correctly and marked as paid - even though no bank transfer took place.
Step 4: Mark the Invoice as Paid (Offset Entry)
Since the fee was already deducted from your payout, you don’t make an actual payment to Montonio. Instead, you clear (offset) the payable against the remaining receivable balance.
Account | Debit (€) | Credit (€) | Description |
Accounts Payable (Montonio) | 20.00 |
| Mark Montonio invoice as paid |
Card Payments Receivable |
| 20.00 | Offset fee deducted from payout |
💬 This removes both balances — the €20 payable and the €20 receivable — without affecting your bank account.
If you have additional questions and need our help, feel free to contact our support team via the chat in the bottom right corner.