No matter how brilliant the UI is, it’s always the designers fault when someone can’t bloody work it out 
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Thanks for contributing. As a retailer with a PayPoint machine, do you think it is financially (or otherwise) worth your while to be accepting Monzo deposits via PayPoint?
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That’s a moot point as I’m not likely to see enough Monzo customers to make a judgment but I’ve always said in the past that costs outweigh anything that can be received in commissions. It’s not just Paypoint charges but those of the card reader supplier (won’t be applicable to Monzo customers), bank charges, broadband, fees for keeping within legal frameworks etc…
I have considered removing the system but . . I’m offering a service and we are open longer than other shops in our very small rural town. I hope I build enough of a relationship with most Paypoint users that they will return to buy items and their family will come in to buy items too.
Apologies, this was in response to o99. I thought I quoted but appear to not have done.
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Hi @Jeeps
Welcome to the community and thank you for your in depth answers showing us inside the machine, so to speak
Hope you will be able to stick around both Monzo and the forum to provide your insight
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As a retailer of the PayPoint service, I wondered if you’d be able to help me with my question.
I attempted to deposit cash today and after indicating that the card needed to be swiped that was attempted but the cashier told me (this was at a Co-op) that it was registering as a ”sale” rather than a ”deposit”. Is this normal language for the system? The last thing I wanted to do was remove a chunk of cash out of my account in the process of trying to add it so asked them to just cancel it and I would check it out before heading back.
No worries if you’re not sure, but if anybody reading this can tell me if that is what the cashier should be expecting to see I’d happily point it out to them during the transaction.
Thanks in advance.
The simple answer is I don’t know but it sounds reasonable to me. Some of the jargon used on one side of the counter can be the opposite of what’s expected on the other. However, my Monzo card has arrived and I’ll give it a try tomorrow night when I’m next in the shop to see what’s needed to process a transaction. I’m interested to find out for myself and also with a view to training the staff. I’ll come back and let you know how it goes.
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In co-op once till operator has pressed paypoint button and swiped card, they select or type amount. It then shows as any other item sale on screen simply as “Monzo”. The word deposit doesn’t appear on screen, paypoint receipt after payment will confirm it’s done and will be available in 10 minutes.
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Well I have deposited funds and, as DanF508 described above, it is that simple!
As has been said before, all the shop assistant has to do is swipe the card, in my case I didn’t click the Paypoint button, I just swiped from the sales screen. The next screen said “enter amount, sale, max £300”. At this point the amount to be deposited is typed in by the shop assistant. It will say it’s a sale on the shop side as money is being added to the till but it IS a deposit to Monzo as far as the account holder is concerned. On entering the amount the shop is taken back to the sales screen where more things can be added to the basket if required - purchases etc. Then the shop checks out the ‘sale’, takes the deposit from the customer and the receipt for the full amount is handed over. The whole transaction probably took 30 seconds and is so easy my pre-school grandchildren could have done it.
I have the new PaypointOne system but I expect the process is similar with the old yellow terminals. If the cards don’t swipe I imagine the shop typing in the 16 digit number from the front of the card and pressing enter would give the same result.
The amount I deposited, less the £1 admin fee, was in my account within 10 minutes as the receipt said.
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Just been to a OneStop in Hoyland Barnsley and the cashier there had the cash processed in 2minutes flat, even though he said that they had only done 1 other before, so some stores do know how to do these transactions 
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@Adamski4 It’s my understanding that on the shopkeeper’s end the process of depositing money is the same as loading funds on to a prepayment gas/electric card.
So it may be a good idea to simply pass the card over with the money and ask, “Can you put £x on this, please?”
Edit: Reason being, I believe a lot of shopkeepers are unaware of making cash deposits into bank accounts. So they’re confused when people ask to make “a deposit”.
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It’s happened to me also ages ago in a BP petrol station with a queue behind me, I gave up I only wanted to test the system. In the end I succeeded by basically calling Monzo handed the phone over and getting them to talk to the assistant through. Without the help of Monzo I would’ve completely gave up
It’s nice they helped you but it seems that many people on the forum experience issues, undoubtedly many more who aren’t active on the forum.
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“You’re holding the iPhone the wrong way”
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PayPointgate, Paygate? Haha
Glad someone got it. Was beginning to wonder 
This is (IMO) a terrible idea. It’s often the low paid who require cash deposits and you are essentially saying that they don’t deserve a better and ethical bank account!
My main gripe with Monzo isn’t PayPoint nor the fee, but the fact that there is a £1k deposit limit, I feel thats crazy!
It’s not my idea 
and I said no such thing. It’s just the way the economy is going.
There was an article that I read this morning that included a report from the trade body UK Finance. Within it they predict that if the current decline continues by 2028 only 9% of transactions will be done in cash That’s less than a decade! 
Just been to the One Stop on Mayland Avenue in Hemel - absolutely no issues with depositing cash. Was the chap behind the counters first time depositing money into a Monzo account - but he did it with little hassle. Money was in my account within 30 seconds!
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That’s not possible.
By the time i got out the shop, checked my account and it was there… Along with the notification that they were deducting the £1 fee.