Monyx Wallet and Nayax Prepaid | How They Work Together

GENERAL ARTICLE Monyx Wallet and Nayax Prepaid How They Work Together Understand the connection between the Monyx Wallet app and your Nayax Prepaid cards, how consumers use the app to pay, top up, and earn rewards, and how operators control it all from Nayax Core. Audience: Operators  |  Distributors / Partners

 

Nayax Prepaid is a closed-loop payment card that operators create and manage in Nayax Core. The Monyx Wallet app is the consumer-facing mobile app that connects to those Prepaid cards, giving cardholders a way to pay at machines, top up their balance, earn rewards bonuses, and join loyalty campaigns, all without carrying a physical card.

This article explains how the two products connect, what consumers can do through the app, and what operators need to configure in Nayax Core to enable each capability.

After reading this article, you will understand: the relationship between Prepaid cards and the Monyx Wallet app, the four ways a consumer can interact with a Prepaid card through the app, how revalue bonuses appear and apply in the app, and where each capability is configured in Nayax Core.

 

 

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The Connection Between Monyx Wallet and Nayax Prepaid

 

Nayax Prepaid and the Monyx Wallet app are two separate but connected products.

Product	What it is	Who manages it	Where
Nayax Prepaid	A closed-loop payment card preloaded with credit by the operator or consumer	Operator	Nayax Core > Consumers > Card Management
Monyx Wallet app	A consumer-facing mobile app for paying, topping up, earning rewards, and joining campaigns	Consumer (operator configures what is available)	App Store / Google Play

The connection works like this: when a consumer downloads the Monyx Wallet app and links their phone number, the app retrieves any Prepaid cards associated with that account. The consumer can then use their phone to pay at a Nayax machine, top up their Prepaid card balance, and see any active campaigns or revalue bonuses configured by the operator -- all without a physical card.

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What Consumers Can Do with Prepaid via the Monyx Wallet App

 

There are four ways a consumer can interact with their Prepaid card through the Monyx Wallet app.

1. Pay at a machine

The consumer selects the machine in the Monyx Wallet app (or scans a QR code on the machine), selects their Prepaid card, and initiates the transaction. If the consumer has only one valid Prepaid card, it is selected automatically. If they have more than one, a selection screen appears in the app.

The machine processes the transaction against the Prepaid card balance, exactly as it would with a physical card tap or swipe. No physical card is required.

 

2. Top up (Revalue) the card balance

Consumers can top up their Prepaid card directly from the Monyx Wallet app using a credit card. This is recorded as a revalue in Nayax Core with Revalue Method: Credit Card via Monyx App.

The top-up screen in the app shows the available amounts. If the operator has configured a revalue bonus, the bonus amount is displayed next to each top-up option so the consumer can see exactly what they will receive before confirming.

 

3. Earn revalue bonuses

If the operator has configured a Reward Program in Nayax Core, consumers see the bonus options directly on the top-up screen in the Monyx Wallet app. The app displays up to three reward tiers, showing the top-up amount and the bonus the consumer will receive.

The bonus logic works as follows:

• The consumer selects a top-up amount.
• The app checks the amount against the configured reward tiers.
• If the amount meets or exceeds a tier threshold, the bonus is shown and applied automatically on confirmation.
• The bonus credit is added to the card balance in addition to the top-up amount.

 

Worked example: The operator has configured three tiers: top up 10 and get a 5% bonus (0.50 extra), top up 20 and get a 10% bonus (2.00 extra), and top up 40 and get a fixed 10 bonus. A consumer who tops up 20 via the app sees "20 + 2.00 bonus = 22.00 total" before confirming.

 

4. Join loyalty campaigns

Operators can create punch card campaigns in Nayax Core that appear in the Monyx Wallet app. Consumers see the campaign on the Campaigns screen in the app and earn stamps automatically with each qualifying purchase.

When the required number of purchases is reached, the consumer receives the reward (a free purchase) automatically. The operator sets the number of required purchases, the included machines and products, and the campaign duration -- all in Nayax Core.

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What Operators Configure in Nayax Core

 

Each consumer capability in the app corresponds to a configuration in Nayax Core. The table below maps each app feature to its configuration location.

Consumer app feature	Operator configuration	Where in Nayax Core
Pay at machine via app	Prepaid card must be Active with a positive balance	Consumers > Card Management > Card Status + Credit
Top up (Revalue) via app	Revalue must be enabled on the card; Max Balance must not be reached	Card Management > Card Credit Attributes > Max Balance
Revalue bonus on top-up	Reward Program configured with at least one active tier	Administration > Operator > Reward Program tab
Revalue bonus on future cards	Auto PP Cards setting enabled with Use Operator Reward Program checked	Administration > Operator > Auto PP Cards tab
Punch card campaign in app	Campaign created with Campaign Type set to Punch Card and Payment Method set to Monyx Wallet	Consumers > Campaign
Discount campaign in app	Campaign created with Campaign Type set to Discount	Consumers > Campaign

 

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How to Configure a Revalue Bonus for the Monyx App

 

Follow these steps to configure a revalue bonus that appears in the Monyx Wallet app top-up screen, or click here for the full guide and video How to Set a Reward Program on Operator Level.

Step 1 - Navigate to the Reward Program tab

In Nayax Core, go to Administration > Operator. Locate your operator and click the Reward Program tab. You can configure up to 3 reward tiers.

Step 2 - Fill in a reward tier

For each tier you want to activate:

1. Check the checkbox in the first column to activate the row.
2. Under Revalue Amount, enter the minimum top-up amount that triggers the bonus.
3. Under Amount Percentage, check the box if the reward is a percentage of the top-up amount, or leave it unchecked for a fixed currency amount.
4. Under Reward, enter the bonus value.

Example tiers:

• Tier 1: Revalue Amount = 10, Amount Percentage checked, Reward = 5 -- consumer tops up 10, receives 5% bonus (0.50), total = 10.50
• Tier 2: Revalue Amount = 20, Amount Percentage checked, Reward = 10 -- consumer tops up 20, receives 10% bonus (2.00), total = 22.00
• Tier 3: Revalue Amount = 40, Amount Percentage unchecked, Reward = 10 -- consumer tops up 40, receives a fixed 10.00 bonus, total = 50.00

 

Step 3 - Apply to existing cards (optional)

Click Set To All Cards to apply the reward program to all cards currently under the operator, or Set To Empty Cards to apply it only to cards that do not already have a reward program.

Step 4 - Apply to future auto-created cards (optional)

Click the Auto PP Cards tab. Check Use Operator Reward Program. All Prepaid cards created automatically going forward will inherit the operator reward program.

Step 5 - Save

Click Save. The reward tiers will appear in the Monyx Wallet app the next time a consumer opens the top-up screen for a card under this operator.

 

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How to Configure a Punch Card Campaign for the Monyx App

 

A punch card campaign appears in the consumer's Monyx Wallet app as a visual stamp card. Each qualifying purchase adds a stamp. When all stamps are earned, the consumer receives a free purchase. Follow these steps to configure a Punch Card Campaign that appears in the Monyx Wallet app top-up screen, or click here for the full guide and video How to Create an Online Punch Card Monyx Campaign.

Step 1 - Navigate to Campaign

In Nayax Core, go to Consumers > Campaign and click Add

Step 2 - Set the campaign type and details

Set Campaign Type to Punch Card. Fill in a Campaign Title (visible to consumers in the app) and a Campaign Name (visible only in Nayax Core).

Step 3 - Set rules and limitations

Key fields:

• Operator: select your operator.
• Punches Before Free: set how many purchases are required before the free purchase is awarded (e.g., "4+1" means 4 purchases, then the 5th is free).
• Payment Methods: set to Monyx Wallet to target app users specifically. Leave empty to run on all payment methods.
• Machine Groups / Products: leave empty to apply to all machines and products, or restrict to specific groups.
• Campaign Duration: set a start and end date if the campaign is time-limited.

 

Step 4 - Customise the look and feel

Click the Look and Feel tab to set the background color, text color, and punch card tagline that consumers see in the app. Use the preview images on screen to confirm the appearance before saving.

Step 5 - Save

Click Save. The campaign will be visible to consumers in the Monyx Wallet app immediately if the Campaign Status is set to Active.

 

Worked Example | Full Consumer Journey

 

Step	What the consumer does	What happens in Nayax Core
1	Downloads Monyx Wallet app and links phone number	Consumer profile created; Prepaid cards associated with the phone number become accessible in the app
2	Opens app, sees Prepaid card balance of 5.00	Nayax Core returns card balance via API; balance displayed in app
3	Taps Top Up, selects 20 amount -- app shows "20 + 2.00 bonus = 22.00"	Operator reward tier (20, 10% bonus) matches the amount; bonus shown in app
4	Confirms top-up via credit card in app	Revalue recorded in Card Management as Revalue Method 3 (Credit Card via Monyx App); balance updated to 27.00
5	Scans machine QR code, app shows punch card campaign "Buy 4, Get 1 Free"	Campaign configured by operator at Consumers > Campaign is retrieved and displayed
6	Pays for a product at the machine via app	Transaction processed against Prepaid card; balance deducted; punch stamp added to campaign
7	After 4 qualifying purchases, app shows "Your free purchase is ready"	Campaign reward triggered automatically; free transaction processed at machine