Learn what Operator Transaction is, who can use it, the requirements, how to enable it, and how billing works for both the Operator and the Team.
What is Operator Transaction?
Operator Transaction is a payment method for Accounts where the Operator takes on all transactions of the Account. This allows the Account to go into negative balance without using Monta invoicing. At the end of each month, the balance is settled via a transaction between the Operator and the Account.
Who can use Operator Transaction?
Operator Transaction can be enabled on Private and Professional Accounts only. It is suitable for any Operator who wants their customers (Accounts) to charge via Monta and settle billing outside of the Monta Wallet system.
Example use cases:
- Utilities that want to invoice customers via their electricity bill
- Housing associations that want to invoice members via rent
- Fleet companies that want to invoice customers via a total leasing contract
Requirements
- An Operator profile in Monta
- A Private or Professional Account created under the Operator
- An Operator user with Admin or Manager rights to enable the payment method
How do I set up Operator Transaction?
There are two ways to enable Operator Transaction on an Account:
Option 1: Enable from the Account Wallet
Go into the Account Wallet of the Account and enable Operator Transaction from the Wallet actions. This must be done individually for each Account.
Option 2: Create an Account settings template
If you want to offer this payment method to multiple Accounts, create an Account settings template that includes Operator Transaction as the billing method. Then apply the template to the relevant Accounts from the Account settings.
How does Operator Transaction work?
An Account with Operator Transaction enabled can receive payments and incur expenses from their Account Wallet throughout the month, including going into a negative balance.
On the last day of the month, Monta checks the Account's Wallet balance and creates a settling transaction:
- If the Account's Wallet balance is positive — funds are transferred to the Operator Wallet. The transaction is called "Wallet balanced by transaction to operator."
- If the Account's Wallet balance is negative — funds are transferred from the Operator Wallet to the Account to cover the deficit. The transaction is called "Wallet balanced by transaction from operator."
At the end of the month, the Account Wallet goes to 0. No invoice is generated for the Account. The Operator sees the transaction in their monthly Operator invoice.
Management
Operator responsibility
By enabling Operator Transaction, the Operator takes responsibility for all Account expenses and for paying their Operator invoices. Consider this carefully before enabling.
Operator billing
Every month the Operator either receives revenue from the Account or settles the Account Wallet balance. These transactions are visible in the Payment & Billing section of Monta Hub and can be exported from there.
Account billing
The Account is not issued an invoice. The settling transaction appears in the Account Wallet. The Account or Operator can export Account Wallet transactions from Monta Hub. Billing of the Account must be handled by the Operator outside of the Monta system.