MIA Instant Payments Integration in Moldova

Name: MIA Integration for Moldovan E-commerce — XCORE.MD
Price: 299 EUR

We integrate Moldova's national instant payment system MIA into your online store, website, or business application. We work with all banks in Moldova — maib, Victoriabank, OTP Bank, Mobias Banca, MICB and others — to offer your customers the fastest payment method with the lowest commissions.

Plans & Pricing

When do you need MIA integration?

You have an online store and want lower commissions

MIA offers only 0.8% commission compared to 2-3% for card payments. For an online store with 50,000 MDL monthly sales, you save significantly on every transaction.

You want to offer pay-by-link in your online store

MIA integration enables automatic generation of unique payment links. The customer receives the link, opens their banking app, confirms — and funds arrive in seconds. No IBANs, no cards needed.

You sell products or services remotely

Send payment links via SMS, email, Viber or any messenger. Ideal for social media sales, phone orders, or reservations — the customer pays instantly from their phone.

You have a physical store or restaurant

MIA enables QR code payments at the checkout. The customer scans the code, confirms in their banking app — no POS terminal, no large commissions, no physical contact.

You make B2B transfers between companies

Since March 2026, MIA enables instant transfers between legal entities (B2B), 24/7. Invoice payments, advances, and deliveries — in seconds, with only 0.7% commission, max 40 MDL per transaction.

You want a modern alternative to traditional payments

Over 600,000 Moldovans already use MIA. By offering this payment method, you're where your customers are — in their banking app, ready to confirm with a single tap.

How we integrate MIA into your business

Consultation and analysis

We analyze your business model and payment flow
Identify the optimal method: payment link, QR code, or both
Determine partner bank and technical requirements

MIA business account setup

We guide you through MIA activation at your bank
Configure merchant account for payment reception
Set up security parameters and notifications

Technical integration

Implement MIA as a payment method in your online store
Automatic generation of unique payment links per order
QR code integration for physical points of sale
Connect with notification system (email, Telegram)

Testing and validation

Test the complete payment flow with real transactions
Verify compatibility with all participating banks
Validate automatic notifications and confirmations

Launch and support

Launch MIA as an active payment method
Monitor initial transactions for stability
Provide ongoing post-launch technical support

Packages and pricing for MIA integration

Starter

299 EUR

Basic P2B integration
1 payment method (QR or link)
Compatibility with all Moldovan banks
Payment confirmation notifications
Complete testing
Technical documentation
14-day technical support

Popular

Business

499 EUR

Everything in Starter +
QR code + payment link
Transaction monitoring dashboard
Compatibility with all Moldovan banks
Automatic notifications (email + webhook)
WooCommerce/WordPress/custom integration
Transaction reports
30-day technical support

Premium

799 EUR

Everything in Business +
B2B integration between companies
Automatic transaction reconciliation
Accounting system integration
Advanced analytics dashboard
Request to Pay (RTP) for merchants
90-day technical support
Payment flow optimization consulting

What does XCORE's MIA integration include?

Pay-by-link payments

Automatic generation of unique payment links for each order. Customer receives the link, opens banking app, confirms — done. Works via email, SMS, Viber, WhatsApp.

QR code payments

QR code generated per transaction or static for point of sale. Customer scans, confirms in banking app — funds arrive in seconds.

All banks compatible

Integration tested with all payment service providers in Moldova: maib, Victoriabank, OTP Bank, Mobias Banca, MICB, and others.

Request to Pay (RTP)

Send payment requests directly to your customers. The request is valid for 24 hours — the customer confirms from their banking app when ready.

Automatic payment notifications

Instant confirmation upon payment receipt — via email, webhook, or Telegram. The store automatically updates order status.

Transaction monitoring dashboard

Centralized panel with all MIA transactions: amounts, statuses, dates, customers. Report export for accounting.

B2B integration between companies

Instant transfers between legal entities, 24/7, available since March 2026. 0.7% commission, max 40 MDL per transaction. Ideal for invoices and advances.

BNM-compliant security

MIA system developed by the National Bank of Moldova, aligned with SEPA standards. Strong two-factor authentication, no customer payment data transmitted.

WooCommerce and custom integration

Ready plugin for WooCommerce/WordPress or custom integration into any e-commerce platform, mobile app, or website.

Reduced commission vs card payments

Merchants: up to 0.8% (vs 2-3% for cards). Social services: max 0.5%. B2B: 0.7%, max 40 MDL. Real savings on every transaction.

Frequently asked questions about MIA integration

What is MIA and how does it work for my online store?

MIA Instant Payments is Moldova's national payment system, created by the National Bank of Moldova and launched on March 12, 2024. For your online store, MIA works through unique payment links: at checkout, the customer receives a link, opens it, chooses their banking app, confirms — and the money arrives in your account in seconds. No card, IBAN, or sensitive data needed. Over 600,000 Moldovans already use MIA daily.

Which banks in Moldova is MIA integration compatible with?

MIA works with all banks and payment service providers in Moldova that have joined the system: maib, Victoriabank, OTP Bank, Mobias Banca, MICB, and others. Your customer pays from any banking app — it doesn't matter where they bank. We ensure complete compatibility during integration.

How much does MIA integration cost and what are the per-transaction fees?

MIA integration starts at 299 EUR (Starter package). Per-transaction commissions are much lower than cards: up to 0.8% for merchants (vs 2-3% for Visa/Mastercard), and for social services (education, public transport, utilities) the commission doesn't exceed 0.5%. For B2B transfers between companies, the commission is 0.7%, max 40 MDL per transaction.

What MIA features can I integrate into my business?

MIA offers several features for business: Pay-by-link — generate a unique payment link sent to the customer via email, SMS, or messenger; QR code payments — customer scans the code at checkout and pays instantly; Request to Pay (RTP) — send a payment request to your customer, valid for 24 hours; B2B — instant transfers between companies, 24/7, available since March 2026. We integrate all these features into your online store or application.

How long does MIA integration take for my online store?

Standard integration takes 5-10 business days depending on complexity. The Starter package (one payment method, one bank) is completed in 5-7 days. The Business package (QR + link, all banks) requires 7-10 days. Most time is allocated to setting up your MIA business account at your bank — we guide you through the entire process.

Can MIA completely replace card payments?

MIA is an excellent alternative with lower commissions, but we recommend offering it alongside card payments, not instead of them. Not all customers have activated MIA yet, and some prefer paying by card. The optimal strategy is to offer both options — card + MIA — so the customer chooses what's convenient. During integration, we configure both payment methods in your online store.