What is Operator Transaction?

Operator Transaction is a payment method for Teams where the Operator takes on all transactions of the Team. This allows the Team 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 Team.

Who can use Operator Transaction?

Operator Transaction can be enabled on Private and Professional Teams only. It is suitable for any Operator who wants their customers (Teams) 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 account in Monta
• A Private or Professional Team 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 a Team:

Option 1: Enable from the Team Wallet

Go into the Team Wallet of the Team and enable Operator Transaction from the Wallet actions. This must be done individually for each Team.

Option 2: Create a Team settings template

If you want to offer this payment method to multiple Teams, create a Team settings template that includes Operator Transaction as the billing method. Then apply the template to the relevant Teams from the Team settings.

How does Operator Transaction work?

A Team with Operator Transaction enabled can receive payments and incur expenses from their Team Wallet throughout the month, including going into a negative balance.

On the last day of the month, Monta checks the Team's Wallet balance and creates a settling transaction:

• If the Team's Wallet balance is positive — funds are transferred to the Operator Wallet. The transaction is called "Wallet balanced by transaction to operator."
• If the Team's Wallet balance is negative — funds are transferred from the Operator Wallet to the Team to cover the deficit. The transaction is called "Wallet balanced by transaction from operator."

At the end of the month, the Team Wallet goes to 0. No invoice is generated for the Team. The Operator sees the transaction in their monthly Operator invoice.

Management

Operator responsibility

By enabling Operator Transaction, the Operator takes responsibility for all Team expenses and for paying their Operator invoices. Consider this carefully before enabling.

Operator billing

Every month the Operator either receives revenue from the Team or settles the Team Wallet balance. These transactions are visible in the Payment & Billing section of Monta Hub and can be exported from there.

Team billing

The Team is not issued an invoice. The settling transaction appears in the Team Wallet. The Team or Operator can export Team Wallet transactions from Monta Hub. Billing of the Team must be handled by the Operator outside of the Monta system.