Monetico Retail: The Trusted French Payment Gateway for Odoo
Monetico is the payment platform of Crédit Mutuel-CIC, one of France's largest banking groups, trusted by over 400,000 merchants including major retailers like Boulanger and Cdiscount. With our Monetico Payment module developed by DevTalents, integrate the Monetico API v3.0 with HMAC-SHA1 security directly into your Odoo store.
Monetico Retail is the modern omnichannel payment platform by Crédit Mutuel-CIC that replaces the legacy CyberMUT and CM-CIC gateways. Powered by Euro-Information — the technology subsidiary managing over 141 billion computing transactions per year — it delivers institutional-grade reliability for French and European e-commerce. Our Odoo module leverages the full API v3.0 with 3D Secure 2, 7 configurable challenge modes, and 5 currencies.
Why Choose Monetico?
Monetico is backed by Crédit Mutuel-CIC, France's 2nd largest retail banking group, providing unmatched trust, compliance, and domestic coverage.
One of France's largest banking groups with over 5.6 million professional customers. Institutional-grade security and financial stability you can trust.
Data sovereignty, French-based support, full compliance with French and European banking regulations. A sovereign alternative to US-based fintech gateways.
Full PCI DSS v3.2.1 compliance. 3D Secure 2 certified by EMVCo, Visa, Mastercard, CB, and Amex — with frictionless and challenge flows.
Funds transferred to your professional account the next business day. No waiting, no delays — your cash flow stays healthy.
Supported Payment Methods
Our module supports all major card networks and payment methods available on the Monetico platform:
CB / Visa
France's domestic Carte Bancaire network + Visa international — the most widely used combination in French e-commerce
EuroCard / Mastercard
Full Mastercard network support with 3D Secure 2 authentication for maximum security
American Express
Accept Amex cards for higher-value transactions — requires a separate Amex contract
PayPal
The world's most popular online payment method — requires a specific PayPal contract via Monetico
7 Configurable 3D Secure Challenge Modes
Our module gives you fine-grained control over 3D Secure authentication behavior. Choose the right balance between security and conversion for your business:
| Mode | Behavior | Best For |
|---|---|---|
| No Preference | Let the issuing bank decide — default behavior | Most merchants (recommended) |
| Challenge Preferred | Request authentication when possible | High-value goods, luxury items |
| Challenge Mandated | Systematic strong authentication required | Regulated industries, compliance-first businesses |
| No Challenge Requested | Request frictionless flow — no authentication | Low-risk, high-volume micro-transactions |
| Strong Auth Exemption | Exempt transactions from strong customer authentication | Trusted recurring customers, low-risk profiles |
| Trusted Third Party | Exempt via trusted third-party verification | B2B transactions, verified corporate accounts |
| Risk Analysis Exemption | Exempt based on real-time risk scoring | Advanced fraud management setups |
Technical Overview
| Feature | Details |
|---|---|
| API Version | Monetico API v3.0 (replaces legacy CyberMUT & CM-CIC) |
| Authentication | HMAC-SHA1 message authentication code — 40-character MAC key with field-level signing |
| Payment Flow | Hosted Payment Page (HPP) — secure redirect to Monetico's certified payment page |
| 3D Secure | 3D Secure 2.0 & 1.0 — certified by EMVCo, Visa, Mastercard, CB, Amex |
| Security | PCI DSS v3.2.1 compliant, HMAC-SHA1 signatures on every request & response, TLS encryption |
| Webhook (IPN) | Real-time Instant Payment Notification — server-to-server POST callback with MAC validation |
| Multi-Currency | EUR USD GBP JPY CHF |
| Multi-Language | 9 languages supported — automatic detection from Odoo partner language |
| Customer Context | Base64-encoded JSON — billing, client, and shipping data sent securely to Monetico |
| Test Mode | Dedicated sandbox endpoint with simulated successful payments |
| Dependencies | No external Python library required — uses only standard library (hmac, hashlib, base64) |
How It Works
A seamless, fully automated payment flow:
At checkout, the customer selects card payment. Odoo builds the HMAC-SHA1 signed request with all transaction fields.
Customer is securely redirected to Monetico's Hosted Payment Page with 3D Secure 2 authentication if required.
Monetico processes the payment securely — funds are settled to your bank account the next business day (J+1).
IPN webhook + return URL ensure your Odoo transaction status is always up to date — even if the browser is closed.
Enterprise-Grade HMAC-SHA1 Security
Every transaction is cryptographically signed using HMAC-SHA1, ensuring data integrity and preventing tampering at every step:
Your unique merchant key is processed with a special algorithm to derive the signing key — never transmitted in clear text.
All transaction fields are sorted, concatenated with "*" delimiters, and signed — any modification invalidates the MAC.
MAC signature is validated on both outgoing requests (Odoo → Monetico) and incoming IPN callbacks (Monetico → Odoo).
The Hosted Payment Page model means sensitive card data never touches your Odoo server — full PCI DSS compliance without SAQ burden.
Monetico vs. Fintech Gateways: Why Go With a Bank?
While fintech solutions like Stripe or Mollie offer fast onboarding, Monetico provides unique advantages for French businesses:
🏦 Banking Relationship
Your payment processing is tied to your business bank account at Crédit Mutuel or CIC. One relationship, one bank, one point of contact — no third-party intermediary holding your funds.
💰 Competitive Commission Rates
Monetico commissions are negotiated directly with your bank advisor — typically under 1% per transaction. No hidden markup, no per-transaction fixed fees stacking up on small orders.
🇪🇺 European Data Sovereignty
Your transaction data stays within French/European banking infrastructure. Full GDPR compliance without relying on US-based cloud providers or cross-border data transfers.
🛡️ Anti-Fraud Module
Monetico includes built-in fraud detection algorithms that analyze each transaction's risk profile. Configure exemption requests and challenge levels per your business rules.
Simple Configuration in Odoo
Setting up Monetico in Odoo takes just a few minutes. Enter your credentials from your Monetico back-office, and you're ready to accept payments:
Your 40-character merchant security key provided by Monetico.
Your virtual Electronic Payment Terminal identifier (7 characters max).
Your alphanumeric merchant code — supports multiple sites under one TPE.
Ready to Accept Monetico Payments in Odoo?
Get our Monetico Payment module and offer your customers a trusted, bank-grade payment experience with 3D Secure 2, multi-currency, and next-day settlement.
Need other payment solutions?
If you're looking to integrate a payment method not yet available in Odoo, don't hesitate to contact us. We are experts in developing Odoo payment modules tailored to your business needs.