Direct Debit · Get started
Direct Debit
Collect recurring and one-off payments from CLABE accounts and debit cards through Domiciliación Bancaria.
Collect recurring and one-off payments from your customers’ CLABE accounts and debit cards through Domiciliación Bancaria. Monato handles the full lifecycle of a charge, from your request through banking partner processing and settlement, so you can focus on your business instead of payment operations.
What you can do
- Collect payments from customers by CLABE (bank transfer) or debit card.
- Submit charges one at a time through the REST API, or in bulk with SFTP batch files.
- Manage customers and payment instruments through the API or the Monato Portal.
- Receive charge results and chargeback notifications by webhook.
- Generate reports and reconcile settlements in the Portal.
Key facts
| Fact | Value |
|---|---|
| Daily cutoff | 3:00 PM Mexico City time, on business days |
| Bank response | Typically by the next business day |
| Payer dispute window | Up to 90 days under Domiciliación Bancaria |
| Integration paths | REST API, Portal and SFTP batch files |
How it works
Every charge follows the same lifecycle, whether it came from the API or a batch file.
- Your customer accepts the mandate. The customer authorizes you to collect payments by direct debit. This happens outside Monato. You capture and store the mandate.
- You request a charge. Submit it through the REST API or in a batch file over SFTP.
- Penny validation (new instruments only). Monato confirms account ownership. If it fails, the charge is canceled.
- Risk verification. Monato’s risk engine evaluates the charge. If it is rejected, the charge is canceled.
- Verification response. Monato confirms the charge was accepted for processing, or tells you it was rejected before processing.
- Charges go to banking partners. Approved charges are sent in a batch at the daily cutoff: 3:00 PM Mexico City time on business days.
- Banks respond. Banking partners confirm or decline each charge, typically by the next business day.
- You get the result. Monato sends a
charge_resultwebhook and makes the result available in the API and the Portal.
Integration paths
Most merchants use more than one.
| Path | Best for |
|---|---|
| REST API | Programmatic charge creation, customer and instrument management, real-time integrations |
| Portal | Manual operations, file uploads, reporting, webhook and API key configuration |
| SFTP / Bulk collections | High-volume batch charge submission with CSV files |
Mexican regulatory context
Direct debit in Mexico runs under Domiciliación Bancaria, a payment method regulated by Banxico and the CNBV. Payers have up to 90 days to dispute a charge with their issuing bank. Monato handles the banking network for you, but keep this chargeback window in mind when you design your collections strategy. See Chargebacks.