# Monzo Staff Weekly Q&A - Annual Report Edition!

**URL:** <https://community.monzo.com/t/monzo-staff-weekly-q-a-annual-report-edition/41312>\
**Category:** Monzo Chat\
**Created:** [2 July 2018 11:05 UTC](https://community.monzo.com/t/monzo-staff-weekly-q-a-annual-report-edition/41312 "2018-07-02T11:05:05Z")\
**Posts on this page:** 1\
**Showing post:** 69

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**Author:** ![anon71373850](https://avatars.discourse-cdn.com/v4/letter/a/9fc29f/32.png) [@anon71373850](https://community.monzo.com/u/anon71373850)\
**Post date:** [3 July 2018 15:55 UTC](https://community.monzo.com/t/monzo-staff-weekly-q-a-annual-report-edition/41312/69 "2018-07-03T15:55:33Z")

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> [@jwhiterz](#):
>
> I hear you make a tiny bit of money each time a card is used at a merchant 💰
> 
> Do any of the following incur Monzo a charge or do Monzo make money on any of the following?
> 
> - Outbound FPS
> - Inbound FPS
> - When a Direct Credit is processed
> - When a Direct Debit is processed

For the merchant spend, yep there is a thing called ‘Point of Sale Interchange’ that Mastercard and Visa offer, and is regulated in the EU. I think of it like a commission we get when customers use our card to make purchases, so all banks get this.  
On the other things you’ve listed, we don’t make money on those, but we do incur costs whenever they happen

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