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Billpay quickstart

Authenticate, pick a payee, look up a balance and make your first payment in sandbox.

This guide takes you from an API key to your first payment in sandbox.

Environments

Environment Base URL Use
Sandbox https://dev-api.finco.lat Make API calls and receive mocked responses to learn how the API behaves in each scenario. You certify your integration here.
Production https://api.finco.lat Live payments. Monato gives you the production API key once your integration is certified.
Note:

Requests time out after 60 seconds. All requests must use HTTPS.

1. Authenticate

Send your API key as a Bearer token in the Authorization header of every request.

Check your credentials
curl https://dev-api.finco.lat/api/v1/client/account \
  -H 'Authorization: Bearer your_api_key'

See Retrieve Account.

2. Pick a payee

List the payee catalog and choose the payee you want to pay or query. Each payee supports one or more actions:

Action What the payee offers Endpoint
pay Payments /payments
balance Account balance lookups /balances
topup Phone recharge packages /topups
List payees
curl https://dev-api.finco.lat/api/v1/payees \
  -H 'Authorization: Bearer your_api_key'

Keep the payee_id of the payee you picked. See List Payees.

3. Look up the balance (optional)

If the payee offers the balance action, you can look up what the account owes.

Look up a balance
curl https://dev-api.finco.lat/api/v1/balances \
  -H 'Authorization: Bearer your_api_key' \
  -H 'Content-Type: application/json' \
  --data '{
    "payee_id": "0d93acf6-b63d-46e8-aa5f-6f2520462608",
    "payer_account": "055810100345"
  }'

See Create a Balance.

4. Make a payment

Send the payee_id, payer_account, amount and currency. The idempotency_key is optional.

Pay
curl https://dev-api.finco.lat/api/v1/payments \
  -H 'Authorization: Bearer your_api_key' \
  -H 'Content-Type: application/json' \
  --data '{
    "payee_id": "0d93acf6-b63d-46e8-aa5f-6f2520462608",
    "payer_account": "055810100345",
    "amount": 100,
    "currency": "MXN",
    "idempotency_key": "client_side_idempotency_key"
  }'

See Create a Payment.

Next steps