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Monato developer docs

Build payments for Mexico on Monato

Monato developer docs. APIs for SPEI transfers, direct debit, cash operations, bill payments, gift cards, lottery and remittances.

APIs for SPEI payments, direct debit collections, cash operations, bill payments and more. Pick a product to start, or read the platform basics first.

Your systembackend · app · ERP Monato APIs FincoreDirect DebitCashBillpayGift CardsLotteryRemittances HTTPS requests webhooks SPEIinterbank transfersDomiciliaciónbank direct debitCash networkphysical locationsBillersbill payments
One integration pattern for every product: you send HTTPS requests, Monato talks to the payment rail, and results come back as webhooks or when you query them.

Move money

SPEIFincore

Receive SPEI deposits, send money to CLABE accounts and debit cards, create private accounts and Business Units, and validate accounts with Penny Validation.

OverviewQuickstartAPI reference
CollectionsDirect Debit

Collect recurring and one-off payments from your customers by CLABE and debit card, through Domiciliación Bancaria.

OverviewQuickstartAPI reference
CashCash

Create cash-in and cash-out operations that your users complete at physical locations in Mexico, with webhooks when their status changes.

OverviewQuickstartAPI reference

Sell services

Bill paymentsBillpay

Let your customers check a bill’s balance with only the account number, then pay it. Over 150 billers, including CFE and Sky.

OverviewQuickstartAPI reference
Digital goodsGift Cards

Sell digital gift cards (eGift) from your app. Purchases are idempotent, and provider timeouts trigger an automatic reversal.

OverviewAPI reference
Digital goodsLottery

Sell lottery tickets in your app. Get the active draw, buy a ticket and receive a complete receipt.

OverviewQuickstartAPI reference
RemittancesRemittances

Send and receive remittances.

OverviewAPI reference

Platform basics

Each product has its own credentials, base URLs and conventions. These pages compare them side by side, so read them before you integrate your first product.

Authentication

How each product issues credentials and which headers to send.

Environments

Sandbox and production base URLs, and how to switch.

Webhooks

How each product delivers events, signs them and retries.

Idempotency

Retry a request without charging or paying twice.

Error format

The error body each API returns.

Glossary

SPEI, CLABE, CEP, RFC and other terms you will see.

Your first integration

  1. Get sandbox credentials. How you get them depends on the product. See Get sandbox access.
  2. Follow the product Quickstart. It takes you from credentials to your first request.
  3. Handle webhooks and errors. Register your endpoint, check that events really come from Monato, and handle the errors your flow can hit.
  4. Go live. Switch to the production base URL and production credentials. See Environments.
Note:

Need help during your integration? Write to support@monato.com or book a call with our technical team. We are WhatsApp and Slack friendly. See Support.