How can we help you?

You can become a Monizze customer by requesting your free quote here.

The maximum value of a meal voucher is 10 euros per working day. It is possible to order meal vouchers with a lower face value.

The value of the meal voucher always consists of an employer contribution and an employee contribution.

• The employer contribution is a maximum of 8.91 euros.
• The employee contribution is at least 1.09 euro.

Anyone whose employment contract mentions the granting of meal vouchers is entitled to them. This also applies to certain categories of workers, such as:

• Student jobs
• Paid interns under an employment contract
• Teleworkers
• Employees with a special status

Volunteers who, by definition, are not paid and not bound by an employment contract, are not entitled to this employee benefit.

In principle, meal vouchers are not mandatory, except within certain industry sectors. The value and conditions associated with meal vouchers are chosen by the employer. The conditions are set in a sectoral or company collective agreement or in an individual employment contract.

Feel free to contact us to find out if granting this employee benefit is an obligation under your sector agreement.

You can order Monizze meal vouchers in two ways:

1. Through your payroll provider: simply ask your payroll provider to order meal vouchers from Monizze. Contact your payroll provider for more information.
2. Via your Monizze client area: you can order your meal vouchers yourself via your client area.

Not yet a Monizze client? You can become a Monizze customer by requesting your free quote here.

Retroactive granting of meal vouchers is not recommended and is only possible in case of correction. If too many or too few meal vouchers were granted, this can be corrected the following month.

Belgian legislation on meal vouchers stipulates that workers in the same category, i.e. with the same work regime, must receive meal vouchers of the same face value. This is to prevent arbitrary discrimination.

An employer who wishes to grant meal vouchers of a different face value to different categories of workers must do so objectively. Under this rule, the agreement establishing this employee benefit may provide for different amounts depending on the employee's status (full-time or part-time).

Note: if the objectivity of the distinction is doubtful, it is advisable to seek advice from the NSSO (National Social Security Office).

Meal vouchers are generally granted based on the number of working days or hours worked. Logically, a part-time worker will therefore receive fewer vouchers than a full-time worker.

Since 1 January 2007, self-employed business owners can grant themselves meal vouchers under certain conditions:

• The number of meal vouchers granted must correspond to the number of days the self-employed business owner actually worked. The number of contribution days cannot exceed the maximum number of working days of a full-time employee in the company concerned.
• A self-employed business owner who employs staff can only grant themselves meal vouchers if their employees also benefit from them. The meal vouchers granted to the self-employed manager cannot have a higher value than those of their employees.

Note: self-employed individuals who carry out their activity as a natural person and not within a company are not entitled to meal vouchers.

For more information, visit this page.

Meal vouchers can only be used to purchase food products.

Monizze meal vouchers are accepted in a wide network of shops and (local) restaurants. Your employees can also use their meal vouchers online to shop at affiliated e-shops.

Discover our network of affiliated restaurants and shops here.

Eco-vouchers are an employee benefit. They allow employers to motivate their employees by offering them additional purchasing power. The eco-voucher is 100% exempt from social security contributions. It also encourages the employee's ecological awareness.

You can become a Monizze customer by requesting your free quote here.

This is not recommended, but eco-vouchers can be granted retroactively if it concerns a correction.

Neither collective labour agreement No. 98 nor the royal decree on granting eco-vouchers mention specific rules for part-time workers. The employer can therefore choose. They can opt for a system proportional to work performance, or for an identical amount for all workers, regardless of their status.

Since 1 January 2007, self-employed business owners can grant themselves eco-vouchers under certain conditions:

• A self-employed business owner who employs staff can only grant themselves eco-vouchers if their employees also benefit from them.
• The eco-vouchers granted to the self-employed manager cannot have a higher value than those of their full-time employees.

Note: self-employed individuals who carry out their activity as a natural person and not within a company are not entitled to eco-vouchers.

For more information, visit this page.

You can order Monizze eco-vouchers in two ways:

1. Through your payroll provider: simply ask your payroll provider to order eco-vouchers from Monizze. Contact your payroll provider for more information.
2. Via your Monizze client area: you can order your eco-vouchers yourself via your client area.

Not yet a Monizze client? You can become a Monizze customer by requesting your free quote here.

Everyone in the private sector is entitled to eco-vouchers. The eco-voucher system was established by a collective agreement within the National Labour Council. It only concerns employers and employees covered by the law of 5 December 1968 on collective agreements and joint committees.

Various categories of personnel are therefore not eligible for this employee benefit, namely all employees:

• who work in the public sector and autonomous public companies;
• who are subsidised by the State and active in subsidised institutions of independent education;
• who were recruited under a Local Employment Agency employment contract;
• who are active in vocational training centres applying legislation on employment or vocational training for jobseekers.

The granting of eco-vouchers and the associated conditions are determined by the employer. The conditions are set in a collective or individual employment agreement.

Feel free to contact us to find out if granting this employee benefit is an obligation under your sector agreement.

The maximum value of eco-vouchers is 250 euros per year. The amount granted depends on the number of working days performed. For more information on the calculation, it is advisable to contact your payroll provider.

Eco-vouchers can only be used for the purchase of ecological products or services. The National Labour Council (CNT) establishes the list of products and services that can be purchased with eco-vouchers.

Monizze eco-vouchers are accepted in a wide network of major chains and local shops. Eco-vouchers can also be used online for purchases on the e-shops of affiliated merchants.

Discover our in-store acceptance network here.

Discover our online acceptance network here.

You can become a Monizze customer by requesting your free quote here.

A self-employed business owner can grant themselves gift vouchers. As a self-employed business owner, you must comply with the legal maximum amounts when ordering gift vouchers.

For more information, visit this page.

Monizze gift vouchers can be ordered through your client area.

Not yet a Monizze client? You can become a Monizze customer by requesting your free quote here.

The benefit is subject to the principle of equality within the company. Under no circumstances may it be used as a means of pressure or sanction. The following persons may be entitled to these vouchers:

• Employees, regardless of their hierarchical position, seniority and skill level.
• Business owners, like employees, as long as they have entered into an employment contract.
• Interns who, as required by law, must have access to the same social and cultural activities as employees.
• Clients, as a thank-you gesture, provided it is done in the company's interest and within the legal VAT limit. Vouchers worth less than 125 euros are 100% deductible and tax-free for the beneficiary. For higher amounts, vouchers are 50% deductible and the beneficiary must pay taxes on them.

A gift voucher is a gift in its own right and therefore cannot be made mandatory by any agreement. The gift voucher is granted entirely at the employer's initiative. It cannot be formalised in an employment contract or collective agreement.

However, an employer who decides to offer gift vouchers to employees is subject to two specific obligations:

1. Non-discrimination principle

The benefit must be granted to all employees of the company, without distinction of:

• their age
• their gender
• their religious beliefs
• their membership of a political party or trade union

In the event of a violation of this non-discrimination principle, the company may be sanctioned by law.

2. Compliance with the legal threshold

To benefit from the social and tax exemption, the amount of the benefit allocated in the form of gift vouchers must not exceed the maximum amounts set according to the occasion:

• Saint Nicholas, Christmas and New Year: 40 euros per employee + 40 euros per dependent child
• Honorary distinction: 120 euros
• Retirement: 40 euros per year of service, with a minimum of 120 euros and a maximum of 1,000 euros
• Marriage or declaration of legal cohabitation: 245 euros
• Seniority bonus after 25 years of service: equal to one month's gross salary
• Seniority bonus after 35 years of service: equal to two months' gross salary
• Special occasions: 50 euros maximum

Monizze gift vouchers allow you to reward your employees on special occasions. If gift vouchers meet certain conditions, they are considered an employee benefit (and are therefore not considered as salary). The value of the Monizze gift voucher is tax-exempt for both the employer and the employee, and is generally tax-deductible for the employer.

Sport & culture vouchers, also known as "Activ'", are offered through an online booking platform for sports and cultural activities. With this modern tool, companies encourage their employees to participate in sports and cultural activities.

This employee benefit allows beneficiaries to increase their net purchasing power and enjoy attractive offers for annual subscriptions and a wide range of activities.

Sport and culture vouchers are valid for 15 months from the date of receipt and, once expired, can be reactivated once for 3 months.

You can become a Monizze customer by requesting your free quote here.

The granting of sport and culture vouchers in Belgium must be provided for by a collective or individual employment agreement. Such an agreement results from an employer's decision. There is therefore no obligation to grant them.

To avoid being considered as salary, sport and culture vouchers must meet 6 conditions:

• granted on the basis of a collective or individual employment agreement;
• maximum of €100 per year;
• no cash reimbursement;
• issued in the name of the employee or company director;
• validity period of 15 months from the date of receipt;
• redeemable only at approved organisations.

The maximum value of Sport & culture vouchers is €100 per year.

The mobility budget is a tool that allows employers to offer employees access to flexible and sustainable mobility at no additional cost to the employer. The amount of this mobility budget is based on the "total cost of ownership" (TCO), i.e. the total cost associated with owning a company car, but this amount is capped at a minimum of €3,164 and a maximum of €16,875 per year, in addition to a cap of 20% of the gross annual salary.

The mobility budget can be used across three pillars, each with a distinct tax and social security treatment:

Pillar 1: the mobility budget can be used to finance an environmentally friendly company car. From 2026 onwards, this car must be a zero-emission vehicle.

Tax treatment: the company car in the first pillar is treated in the same way as a traditional company car from a tax and social security perspective.

Pillar 2: the mobility budget can be used for environmentally friendly modes of transport, for both private and professional travel. For example, company bicycles, public transport, carpooling, car rental for a maximum of 30 days per year, electric scooters, but also for reimbursement of rent or mortgage payments (including interest) if the employee lives within a 10 km radius of their usual workplace. If a person works from home for most of a given month, the home is considered the usual workplace for that month.

Tax treatment: second pillar benefits are fully exempt from social security contributions. Their costs are fully deductible from corporate tax.

Pillar 3: the remaining balance of the mobility budget (if any) is paid out once a year after deduction of a special social security contribution of 38.07%, but it is exempt from income tax.

Tax treatment: the paid-out balance is fully deductible from corporate tax.

Naturally, you pay nothing when you become a Monizze partner.

In addition, you save on indirect costs and attract new customers. Contact our team for more information at partner@monizze.be.

The purchasing power bonus is a unique benefit allowing employers to grant an additional amount to their employees in the form of consumption vouchers. It is exempt from social security contributions and tax under certain conditions.

The maximum amount for the purchasing power bonus is 750 euros per employee. This amount is exempt from ordinary social security contributions, but a special contribution of 16.5% is due from the employer.

The purchasing power bonus has a validity period of 1 year from the date it is loaded onto the Monizze card.

The law stipulates that the last employer who ordered vouchers must also provide the card, so that the beneficiary can use the vouchers until they expire.

When an employee leaves your company, we recommend updating this in your client area, via the "users-bold" tab. In the relevant employee's profile, click the "end collaboration" button and confirm.

The employee's Monizze card is not blocked when the contract ends. The employee can continue using their Monizze card and vouchers.

Important: do not block the employee's Monizze card, as they will no longer be able to use their vouchers.

When an employee's Monizze card is approaching its expiry date, you will be notified by email.

If the employee is still employed, has an available balance on their Monizze card and the card has been loaded, the Monizze card will be renewed automatically. New Monizze cards are always sent well before the expiry date.

Employees can activate their Monizze card in two ways. Along with their Monizze card, they receive a letter containing the activation instructions:

1. By SMS: the employee sends the code printed on the letter to the number 8844.
2. Via MyMonizze: the employee can activate their Monizze card online via this link.

The employee is unable to activate their Monizze card using either of these methods? Then activate the card via your client area. Go to the "users-bold" tab, select the relevant employee and activate the card via "Cards".

Please allow approximately 10 working days for the production and delivery of a new Monizze card. Through your client area, you can easily check the production and shipping dates of your employees' Monizze cards.

To do so, go to the "users-bold" tab and click on "Card creation". Has the shipping date long passed but you still haven't received the card? If so, please contact us. Please note that postal processing may take several working days.

If your employee's card no longer works, the Monizze card must be sent to the following address: Rue de l'Hôpital 31, 1000 Brussels. The Monizze card will then be tested and, if necessary, a new card will be sent.

If one of your employees' Monizze card is lost or stolen, block the card via your client area.

In the "users-bold" tab, select the relevant person, click on "Cards" and "Block card" and confirm. A new card will be ordered automatically and delivered within approximately 10 working days.

Your employee can also block their own Monizze card via MyMonizze, our mobile app or by phone.

Has your company just hired a new employee? There are two possible situations:

1. Your new employee already has an active Monizze card

The employee can continue using their active Monizze card, no new card is needed. Simply add the new employee to your company. To do this, go to your client area, under the "users-bold" tab, and click the "Add an employee" button. Once you have entered the employee's details, our system will automatically link the employee's active card to your company account.

2. Your new employee does not yet have a Monizze card

Order a new card via the homepage of your client area under "Order cards".

Log in to your Monizze client area using your username (email address) and the password you received when you registered with Monizze.

• If you have forgotten your password, you can set a new one using the "Forgot password" button.
• If you have forgotten your email address, you can contact one of our experts via this contact form.

If you have forgotten your password, set a new one by clicking the "Forgot password" button. You will then need to confirm your email address in the designated field. Instructions to reset your password will be sent to you by email.

Via your client area, you can modify all your company details (address, email, contacts, etc.) in the "My company" tab.

In your client area, you can determine which email addresses can access the client area. Users can be added or removed.

To do this, log in and click on "Access" under the "My company" tab. Add new users via the "Add user access" button.

You can view and download all your invoices and credit notes in your client area. Your invoices are available in PDF and XML format via the "Invoices" tab.

Easily set up direct debit via itsme with Twikey:

1. On the homepage of your client area, click on "Bank direct debit"
2. Click on "Activate direct debit"
3. Verify your details and click on "Continue activation on Twikey"
4. Follow the steps and confirm your direct debit via itsme
5. You will receive the signed direct debit mandate by email

Or watch this short video to learn how to activate direct debit.

To activate PEPPOL, you must be registered with one of the 25 PEPPOL providers. You can find the list here and filter by country.

• In your client area, go to "My company" and click on "Addresses"
• Click on the pencil icon to change the invoice delivery method.
• If you still want a copy by email, you can select "PEPPOL + EMAIL"

Two-factor authentication (2FA) adds an extra layer of security by requiring a second verification factor (a one-time code) in addition to your password.

Monizze currently offers two options: receiving this one-time code by SMS or via an authentication app (Google Authenticator, Microsoft Authenticator, etc.).
You can activate them in your account, in the "Security" section.

Any app compatible with the "TOTP" system (Time-based One-Time Password), such as:

• Google Authenticator (iOS, Android)
• Microsoft Authenticator (iOS, Android)
• Authy (iOS, Android, Mac, Windows), etc.

When you activate 2FA via an authentication app, recovery keys are provided to you. They can be used to log in and reconfigure your authentication app if you lose your device. You can also generate new recovery keys in your account settings, under "Security".

If you activated 2FA by SMS, you can continue to log in as long as you keep the same phone number.

Would you like to view an overview of the vouchers ordered for each employee? Go to the "Orders" tab in your client area. You can view the details of each order placed by downloading the xls report.

The Monizze card is multifunctional: meal vouchers, eco-vouchers and gift vouchers are all loaded onto the same Monizze card. Monizze cards are not ordered by product category, but by employee.

Sport & culture vouchers do not require a Monizze card. Your employees can enjoy this benefit via the Activ' online platform.

Vouchers are always loaded within 48 hours of receiving your payment.

There are two ways to order Monizze vouchers:

1. Through your payroll provider: you can order vouchers automatically through your payroll provider. Contact your payroll provider to start the process.
2. Via your client area: you can order the vouchers yourself via your client area. This can be done manually or via an Excel file. Go to the "Orders" tab and select the desired product. You can enter your order on the page or via an Excel file by clicking "Import a file" and then following the steps.

Monizze cards are sent to your company address. If you would like the Monizze cards to be sent to your employees' home address, you can request this by contacting our customer service.

Monizze cards are always delivered within ten business days of receiving the card order.

Monizze cards can be ordered via your client area.

You can order Monizze cards manually or download an Excel file containing a standard order form. If you need to order a large number of Monizze cards, we recommend the order form:

• Manual order: in the "users-bold" tab of your client area, click on "Add an employee" and follow the instructions. You can finalise your order by clicking "Confirm" or order additional Monizze cards by clicking "Add another card".
• Order via an Excel file: go to the "Orders" tab in your client area, select a product and then click on "Import file". Download the standard order form and fill in the columns indicated in yellow. Once the file is complete, you can upload it as a "New order".

You can verify the order and production of your Monizze cards at any time in your client area. To do this, click on the "users-bold" tab and then on "Card production overview". You will find the production date and the expected shipping date of your Monizze cards.

Yes. Monizze Pay is completely free for your employees. There is no additional cost for employers either. It works within the existing Monizze shop network and does not change anything on your end.

Currently, yes. Monizze Pay is linked to an active physical Monizze card. But once Monizze Pay is activated, your employees can pay at any Monizze-affiliated shop directly with their smartphone.

That said, the physical card remains fully valid and can still be used. Monizze Pay is an addition, not a replacement.

No. There is nothing to set up or configure on your end. Monizze Pay is activated entirely by the employee in their Monizze app.

All employees who have an active Belgian Monizze card (black and white card) and a smartphone compatible with NFC (working at least on iOS 17.4 or Android 8) can activate and use Monizze Pay.

If the products and/or services you offer are eligible for payment by meal vouchers, eco-vouchers, gift vouchers or the purchasing power premium, you can accept them in your establishment or online. Filling in the form takes only 5 minutes.

If the products and/or services you offer online can be paid with meal vouchers, eco-vouchers or gift vouchers, follow the procedure via this link.

Are you a sports, cultural or leisure organisation? Subscribe to Activ' via this link. Activ' is our online platform for booking sports, cultural and leisure activities. Hexeko, our technical partner, will contact you shortly.

To accept Monizze in your business, you pay no activation or subscription fees. You only pay an amount per transaction:

• Meal voucher: 1.5% of the amount (min. €0.10 and max. €0.82)
• Eco-voucher: 2.75% of the amount
• Gift voucher: 2.75% of the amount
• Sport & culture vouchers: transaction fees depend on the activity

You therefore pay nothing as long as no transaction takes place in your business with Monizze.

Upon receipt of your request, Monizze takes care of the entire follow-up. We will contact your terminal provider to configure Monizze on your payment terminal. This always takes place within 10 business days, remotely and without any intervention required on your part.

The Monizze card is accepted by almost all existing payment terminals. The terminal must be C-TAP compatible. You can verify this compatibility with your terminal provider.

Questions? Don't hesitate to contact us.

The terminal ID, also called terminal identification number or TID, is a series of eight digits.

You can find your TID at the top of your receipts or on the side or back of your device, on a sticker applied by the technician.

Please note that this is not the serial number. If you cannot find it, you can contact your terminal provider.

Below is an overview of the possible first digits of terminals for the different providers:

• Axepta: 62..., 65..., 117..., 119... or 125...
• CCV: 32..., 33..., 34..., 35..., 36..., 37... or 38...
• Loyalpay: 200...
• Marketpay: 18...
• NL: 50...
• SIX: 314..., 315..., 23..., 24..., 25... or 26...
• Vivawallet: 19...
• Worldline: 01...

If you wish to add a new point of sale, you will need to submit a new connection request for that point of sale.

To do so, follow the instructions via this link.

Note: do you only want to add an additional terminal to an existing point of sale? Then refer to the question "How do I add additional terminals or remove a terminal?"

If you wish to add or remove a terminal, please send an email to shop@monizze.be with the following information:

• Your VAT number and/or your affiliation number
• The new terminal identifier (TID - it consists of 8 characters)

Note: is the terminal located at a different address? If so, refer to the question "How do I add an additional point of sale?"

If you are already affiliated with the Monizze network, you don't have anything to do. Nothing to install, nothing to change: Monizze Pay works on your existing NFC terminals.

As usual:

1. Select the correct product type on the terminal or ECR (meal voucher, eco voucher or gift voucher)
2. Ask the customer to pay: they will hold their phone close to the terminal, just like a contactless card/mobile payment
3. The terminal confirms the payment: transaction complete

Important points:

• Do not select "credit card" or "debit card" as the payment method: keep it as Monizze
• If the customer tries to pay with Google Pay or Apple Pay, remind them that they must open the Monizze app first and tap the card icon in the bottom menu — Monizze Pay is not Google Pay or Apple Pay

Yes, exactly as with the physical Monizze card. Selecting the correct voucher type on your terminal is what determines the right use: Monizze Pay behaves like the card and respects that choice, as the payment stays within the Monizze network, without going through Visa or Mastercard.

No. Monizze Pay works within the usual Monizze closed-loop payment scheme.

Result: no Visa or Mastercard fees. Just Monizze's advantageous transaction fee, the one you already know.

The confirmation is identical to a standard Monizze card payment. Once the customer holds their phone to the card reader, the transaction is processed and confirmed directly on your terminal. No difference in the payment flow for you.

First, make sure:

• the correct payment type (meal, eco or gift voucher) is selected on your terminal
• the customer has opened the Monizze app and tapped the card icon before approaching the terminal (+ tapped on the "Pay" button for iPhone users)
• the customer's phone is held close enough to the reader

If the issue persists, the customer can use their physical Monizze card as a fallback.

Yes. Monizze Pay is compatible with all NFC-enabled terminals already set up for Monizze payments. No new hardware, no new setup required.

Of course, you must be a Monizze-affiliated shop to accept Monizze Pay. Not affiliated yet? Contact us.

Yes, absolutely. Monizze Pay is an additional payment method. Your terminal continues to accept physical Monizze cards.

No. The process is the same as with the physical card. The customer must just indicate which type of voucher (meal, eco or gift) they want to use, so you can select the correct product on the terminal before they tap their phone.

The transaction fees you pay as a merchant are deducted immediately at the time of the transaction. You will then receive payment within two business days.

On the monthly invoice you receive, you will find information regarding payments and transaction fees.

As for your connection to the Activ' platform, your invoice, which will have been sent to our technical partner Hexeko, will be paid within 15 days following the customer's payment.

You do not need to pay the invoices you receive from Monizze as a merchant. As a merchant, you pay no activation or subscription fees with Monizze. You only pay transaction fees, which are directly deducted when a payment is made with Monizze. Each month, you will receive an invoice listing all transactions and the applied transaction fees.

At the beginning of each month, you will receive an invoice listing the transactions made the previous month via your payment terminal(s), the transaction fees paid, and the amounts paid to you.

Did you not receive an invoice? This means no transactions were made via Monizze the previous month.

You will not receive an invoice for your connection to the Activ' platform. Regarding Activ', we ask you to send an invoice at the end of the month to our technical partner Hexeko (info@hexeko.com) with all reservations at the base rate and deduct the commission.

If you accept payments via Monizze in your business, you agree to be part of our various marketing campaigns. This allows us to reference your business as a member of our acceptance network on our website, our app and in all our other communication campaigns. These campaigns have the advantage of generating additional visibility and brand awareness for your establishment among our customers.

Can't find the promotional material that was sent after your registration, or would you like more stickers? You can request promotional material for free by contacting us.

After the activation of your payment terminal, we will send you our promotional material by post. You will receive stickers to place on your shop window, your payment terminal or near your cash register. This way, Monizze users will recognise you as one of our affiliated merchants.

We also include your business on our online search engine and our mobile app (available on iOS and Android).

Regarding Activ', you appear immediately on the Activ' platform after your registration.

If you take over a business where Monizze is already accepted, you will still need to submit an affiliation request. Submitting a new request ensures that all data is updated in our system (payment information, contact details...).

You can register via this link.

If you cease your activities and no longer accept Monizze on your terminal or online store, please inform Monizze as soon as possible by email at shop@monizze.be.

If your address has changed since your affiliation, send us an email at shop@monizze.be with the following information:

• Your company name
• The company number or affiliation number shown on your invoice
• Your previous address
• Your new address

If your bank account number has changed since your affiliation, please send us this form completed and signed by email to shop@monizze.be.

To refer a client, you can do so in an automated way via our personalised partner page, or by email through your usual contact person. You can also always send an email to partner@monizze.be.

Contact our team to create your partner page.

Yes, your dedicated contact person will answer all your questions. They are reachable by email and/or phone.

Our shared clients benefit from excellent service thanks to our digital solutions, all at a very competitive price.

As a Monizze partner, you benefit from several unique advantages, including access to various digital tools. You also increase your added value for your clients, and our partnership allows you to minimise administrative tasks.

Contact our team at partner@monizze.be to get your access.