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Monri Integration

QODY → Monri Integration — Archive Summary

Date: 2026-06-24
Archived by: Skillforge (ALAI Knowledge Management)
Purpose: Consolidate all Monri payment integration materials for QODY project

1. Monri Contact

Account Manager:

SnowIT Contact for Monri:

2. Monri Response Summary

Date Received: 2026-06-24 (from CEO)

Available Acquirer Banks (BiH):

  1. Raiffeisen Bank BiH
  2. Atos Bank
  3. UniCredit Bank
  4. Intesa Sanpaolo Bank

Process Confirmed:

  • Pick bank → access documentation → test environment → contract → production
  • Sandbox available for testing before merchant contract

Packages/Services:

  • Standard merchant gateway integration
  • Transaction API
  • Webhook support
  • 3D Secure (3DS2) compliance

3. Architecture Decision

Rationale:

  • QODY remains software service provider (no Payment Institution license needed)
  • Bank-agnostic: each restaurant uses its own bank + Monri merchant account
  • Regulatory safety: money flows restaurant-bank → restaurant (bypasses QODY)
  • Scalable: parallel restaurant onboarding without platform-level approvals

QODY Platform Fee Collection:

  • Monthly invoice: 29-49 KM base + 0.5% of venue revenue through QODY
  • Invoiced separately (not deducted from card settlements)

Full Details:

  • See /tmp/qody-prd/monri-architecture-decision.md (25 pages, 667 lines)
  • Author: Finverge (Markos Zachariadis)

4. Test Environment Form

Status: FILLED — Draft for CEO/Asmir confirmation

File: /tmp/monri/Podaci_za_testno_okruzenje_POPUNJENO.xlsx

Key Data:

Note: Requires CEO/Asmir confirmation of:

  • Responsible person (Enis vs Asmir)
  • Phone number verification

5. Clarifying Questions Sent to Monri

Status: Sent 2026-06-24

8 Priority Questions:

  1. Merchant-of-record model (platform vs per-venue) — CRITICAL
  2. Platform fee auto-deduction support
  3. Apple Pay / Google Pay availability for BiH
  4. Refund, void, authorize+capture API operations
  5. Webhook signatures, retry policy, idempotency
  6. Test environment access timeline
  7. Multi-venue reporting / reconciliation
  8. PCI-DSS SAQ-A confirmation for Monri.js hosted checkout

Full Question Text: See monri-architecture-decision.md §5

6. Next Steps

Immediate (blocking)

  • ✓ Fill test environment form (DONE — pending CEO confirmation)
  • ⏳ Await Monri test credentials (sandbox merchant_id, auth_token, webhook_secret)
  • ⏳ Confirm Model B with BiH payment lawyer (1-hour consult, ~500 EUR)

Build Phase (after test credentials)

  • Implement per-venue payment config vault (encrypted Monri credentials)
  • Monri Transaction API client (Kotlin/Ktor)
  • Webhook handler with signature verification
  • E2E test: guest checkout → Monri test charge → staff board update

Pre-Production

  • Onboard 2-3 pilot restaurants through Monri merchant application
  • Complete PCI-DSS SAQ-A (Securion)
  • Privacy policy + Terms (Lexicon)
  • BiH fiscal integration research (Phase 2)

7. Archived Files

File Description Size
Podaci_za_testno_okruženje.xls Blank Monri test environment form (original) 35 KB
Podaci_za_testno_okruzenje_POPUNJENO.xlsx Filled form (DRAFT) 5.8 KB
monri-architecture-decision.md Full architecture analysis + recommendation 667 lines
image001.png Monri logo (from email) 8.5 KB
image002.jpg Monri branding (from email) 17 KB

8. Compliance Notes

Regulatory:

  • Model B avoids BiH Payment Institution (PI) license requirement
  • QODY = software service, not payment intermediary
  • Legal confirmation still recommended (BiH lawyer)

Security:

  • PCI-DSS scope: SAQ-A (Monri.js hosted checkout, no card data on QODY servers)
  • Monri credentials: encrypted vault storage (libsodium or Azure Key Vault)
  • Webhook: HMAC SHA512 signature verification mandatory

Data Privacy:

  • BiH Data Protection Law + GDPR compliance
  • Privacy policy required before production launch
  • Cookie consent (if analytics)

Fiscal:

  • BiH requires fiscal cash registers for retail/hospitality
  • Phase 1 (MVP): QODY order = pre-payment; restaurant issues fiscal receipt from POS
  • Phase 2: Integrate cloud fiscal service (e.g., eFiskalizacija.ba)

Archive URL: https://docs.alai.no/books/qody-architecture/page/monri-integration
Paperless Archive ID: [will be added after upload]

Document Owner: ALAI Holding AS → SnowIT BA (partner tenant)
Project: QODY.ba — Scan-Order-Pay Platform for BiH Hospitality

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