Smart Payments

Accept payments anywhere. Pay anyone, anytime.

Accept cards, Apple Pay, NFC, and ACH. Send payments via Stripe Connect. Branded payment pages at just 0.5% platform fee.

Why businesses choose Muin for payments

0.5%

Platform Fee

On top of processor costs

Payment Methods

Cards, ACH, NFC, Apple Pay, recurring

Monthly Minimums

No hidden fees or commitments

80%

SMBs Face Payment Challenges

Federal Reserve Small Business Credit Survey 2024

Payment processing is broken for small businesses

Complex Fee Structures

Multiple processors, hidden markups, and opaque fee structures make it hard to know what you're actually paying. SMBs deserve transparent pricing.

Fragmented Tools

Separate tools for cards, ACH, invoicing, and international payments. No unified view of cash flow.

No Mobile Option

Traditional POS systems cost hundreds. No easy way to accept payments at events or on the go.

No Global Reach

Paying international vendors or contractors is expensive and slow. Hidden FX markups add up.

Inbound Payments

Accept payments however your customers want to pay

Cards (Stripe)

Accept Visa, Mastercard, Amex, and Discover with competitive rates. PCI-compliant card processing out of the box.

Apple Pay & Google Pay (via Stripe)

One-tap mobile and web payments via Stripe. Customers pay in seconds without entering card details.

ACH / Bank (Plaid)

Just 0.5% capped at $10 — up to 85% cheaper than cards. Instant bank verification via Plaid. Ideal for invoices, recurring payments, and large transactions.

Mobile NFC (Muin Go)

Tap-to-pay on any phone. Accept contactless payments at events, markets, and storefronts. Your phone becomes a terminal.

Recurring Payments

Auto-charge on any schedule--weekly, monthly, quarterly, or annual. Saved payment methods with PCI compliance.

Fee Transparency

Clear fee display with optional fee covering--let customers choose to cover processing costs.

Payment Links

Generate shareable one-time or reusable payment links. Send via email, embed in websites, or share on social media.

Coming Soon

QR Code Payments

Generate static and dynamic QR codes. Print for counters, add to invoices, share digitally.

Coming Soon

Text-to-Pay

Customers text a keyword to receive a payment link via SMS. Perfect for events and on-the-go collection.

Payment Processing

Your own Stripe account with automatic payouts and reconciliation

Stripe Connect

Receive payments directly to your own Stripe account with embedded onboarding. Automatic bank payouts on Stripe's schedule with daily reconciliation tracking.

Payment Pages

Beautiful, branded pages that convert

Invoice Pages (/pay/)

Custom-branded checkout pages for customer invoices. Share a link, get paid instantly with any payment method.

Donation Pages (/give/)

Mobile-optimized giving pages for nonprofits. Recurring donations, suggested amounts, and donor recognition.

Membership Pages (/join/)

Recurring subscription management. Automated billing and renewal reminders.

Mobile App

Muin Go: Mobile Payments

Turn any phone into a payment terminal. Payments is one of 9 modules in the Muin Go mobile app.

NFC Tap-to-Pay

Accept contactless payments on any NFC-enabled phone via the Muin Go app. No card reader required.

Kiosk Mode

Turn any tablet into a payment kiosk for events, fundraisers, and pop-up shops.

iOS + Android

Native apps for both platforms. Payments is one of 9 modules in the Muin Go app.

Transaction Dashboard

Real-time sales, tips, and refunds. Export reports for reconciliation.

Every Way to Pay

All Payment Methods, One Platform

Accept payments however your customers prefer. No additional integrations needed.

Cards

Visa, Mastercard, Amex, Discover

Apple Pay & Google Pay

One-tap mobile & web

ACH / Bank Transfer

Via Plaid verification

Soon

QR Code Payments

Static & dynamic codes

NFC Tap-to-Pay

Phone becomes terminal

Soon

Text-to-Pay SMS

Text keyword to pay

Save on Every Transaction

0.5% Platform Fee. Period.

Muin adds just 0.5% on top of processor costs. Compare that to what you're paying now.

Processor

Processing Fee

Total with Muin

Stripe

2.9% + 30c

3.4% + 30c

ACH via Stripe

0.8% (max $5)

1.3% (max $15)

Muin Platform Fee

0.5% — added on top of processor fees. Capped at $10 for ACH.

Muin charges a 0.5% platform fee on transactions. Payment processing fees (e.g., Stripe: 2.9% + 30c) are separate and passed through at cost with no markup. Your total cost is processor fee + 0.5% Muin platform fee. Nonprofits receive a 25% discount on base subscription pricing — processing fees and add-ons are billed at standard rates.

For Non-Profits

Purpose-Built for Giving

Branded giving pages, NFC kiosks for in-person events, and fund selection for religious and charitable organizations.

Branded Giving Pages

Custom donation pages at /give/your-org
Fund selection (Zakat, Sadaqah, General, Building Fund, etc.)
Suggested amounts with recurring options
Instant tax receipts via email
Mobile-optimized for on-the-go giving

NFC Kiosks & In-Person

Tap-to-donate at events and fundraisers via Muin Go
Kiosk mode turns any tablet into a giving station
QR code giving for printed materials (coming soon)
Text-to-Give via SMS keywords (coming soon)
Real-time donation tracking dashboard

Donor Self-Service Portal

Giving history and tax summaries
Recurring giving management
Update payment methods
Download year-end giving statements

25% Nonprofit Subscription Discount

Registered 501(c)(3) organizations receive a 25% discount on base subscription pricing. Payment processing fees and optional add-ons are billed at standard rates. Combined with branded giving pages and NFC kiosks, Muin gives nonprofits every tool they need to maximize donations. QR code giving, Text-to-Give, crypto, stock donations, and DAF contributions are coming soon.

Learn more about Muin for Non-Profits →

For Small Businesses

Mobile Point of Sale

Everything you need to sell in person — no hardware required.

Sell with Your Phone

Mobile POS with product picker and cart
Tap-to-pay via Apple Tap to Pay — no card reader
Barcode scanning with your phone camera
Employee PINs for cashier and manager roles

Manage Your Business

Product catalog with categories and variants
Inventory tracking with low-stock alerts
Multi-location tax profiles per selling location
Daily sales reports and performance dashboards

Order Queue for Food Trucks

Order queue: received, preparing, ready, picked up
SMS notifications when order is ready
Tip handling with suggested amounts
Daily sales reports and low-stock alerts

Zero Hardware Cost

No card reader ($49–$799), no terminal, no monthly hardware lease. Your iPhone is your POS system. Compare to Square ($49+), Clover ($599+), or Toast ($799+).

Learn more about Muin for Small Business →

Coming Soon

On the Roadmap

More payment capabilities launching soon to help you move money smarter.

Coming Soon

Crypto Payments

Accept Bitcoin, Ethereum, USDT, and USDC via NowPayments with automatic USD settlement.

Coming Soon

Stock Donations & DAF

Accept stock donations and Donor-Advised Fund contributions via Every.org integration for non-profits.

Coming Soon

Wise International Transfers

Send payments to 80+ countries at mid-market exchange rates via Wise Business API.

Frequently Asked Questions

What are Muin's payment processing fees?

Muin charges a 0.5% platform fee on top of processor fees (Stripe, Plaid, etc.). For example, a $100 card payment would cost Stripe's 2.9% + 30c ($3.20) plus Muin's 0.5% ($0.50), totaling $3.70. For ACH bank transfers, the platform fee is capped at $10 — so even a $10,000 invoice costs just $10 in platform fees plus $5 processing. Nonprofits receive a 25% discount on base subscription pricing — processing fees and add-ons are billed at standard rates.

What payment methods are supported?

Muin currently supports credit/debit cards (Visa, Mastercard, Amex, Discover), Apple Pay and Google Pay (via Stripe), ACH bank transfers via Plaid, and NFC tap-to-pay via Muin Go. Coming soon: QR code payments, Text-to-Pay via SMS, cryptocurrency payments, international transfers via Wise, and stock/DAF donations.

What is Muin Go?

Muin Go is our native mobile app (iOS and Android) with 9 business modules. The Payments module turns any NFC-enabled phone into a payment terminal. Accept tap-to-pay at events, markets, and storefronts. It includes kiosk mode for unattended payments, a real-time transaction dashboard, and works alongside modules for in-kind donations, expense tracking, event check-in, and more.

Can I create branded payment pages?

Yes. Muin lets you create branded invoice pages (/pay/), donation pages (/give/), and membership subscription pages (/join/). Each page is mobile-optimized, customizable with your logo and colors, and shareable via link or embed. Customers can pay with any supported payment method including Apple Pay and Google Pay.

How will Text-to-Pay work?

Text-to-Pay is coming soon. Once available, customers will text a keyword (e.g., 'PAY') to your dedicated number and receive a payment link via SMS. They tap the link, enter their amount, and pay with any method including Apple Pay. It will be perfect for events, fundraisers, and on-the-go collection.

Can customers cover the processing fee?

Yes. Muin's fee transparency feature lets you display processing fees clearly at checkout with an optional 'cover the fee' checkbox. Customers can choose to absorb the processing cost, which is especially popular with donors and supporters. You can also configure this per payment method — for example, passing fees to customers on card payments while absorbing the capped ACH fees on large invoices.

Is there a nonprofit discount on fees?

Yes. Nonprofits receive a 25% discount on base subscription pricing. Payment processing fees and optional add-ons are billed at standard rates. Combined with branded giving pages, NFC kiosks, and recurring donation support, Muin provides a comprehensive payment solution designed for mission-driven organizations. DAF and stock donation channels are coming soon.

How does the 0.5% platform fee work?

Muin's 0.5% platform fee is added on top of payment processor costs (e.g., Stripe's 2.9% + 30c for cards, or 0.8% for ACH). This means your total cost is the processor fee plus 0.5%. For ACH payments, this fee is capped at $10 regardless of transaction size, making bank transfers the most economical option for large payments. We pass through processor fees at cost with no markup. Stripe handles the payment processing, so you get their reliability and PCI compliance.

Beta Notice: Muin is preparing for beta. Features described on this page may be in development, subject to change, or not yet available. See our beta agreement for details.

Stop overpaying for payment processing

Smart Payments is available in all Muin plans. Beta starts May 2026 — sign up now to start saving on every transaction.