Direct Debit · Reference
Cutoffs and settlement
When charges are processed, when results arrive, and how settlement timing is set.
The Monato platform is available 24/7, but charge processing follows Mexican banking business hours. Plan your collection timelines around this schedule.
Processing rules
- Charges are only executed on Mexican banking business days (Monday to Friday, excluding public holidays).
- The platform applies a daily cutoff at 3:00 PM Mexico City time. Charges received before this time on a business day are processed the same day.
- Charges submitted after 3:00 PM, or on a non-business day, are held and processed on the next business day.
- Charge confirmations and declines are returned by the banking network and sent to the merchant the next business day after processing, typically before 12:00 PM Mexico City time.
Examples
| Submission time | Processing day | Confirmation by |
|---|---|---|
| Monday 10:00 AM | Monday | Tuesday before 12:00 PM |
| Monday 5:00 PM | Tuesday | Wednesday before 12:00 PM |
| Sunday (any time) | Monday | Tuesday before 12:00 PM |
| Public holiday (any time) | Next business day | Business day after that, before 12:00 PM |
To ensure same-day processing, submit charges before 3:00 PM Mexico City time on a business day.
SFTP batch files
The same cutoff applies to SFTP batch files. The relevant time is when the platform picks up and validates the file, not when it is uploaded. Upload your files with sufficient lead time before the 3:00 PM cutoff to account for pre-validation and input validation processing (typically 5–7 minutes). See Bulk collections over SFTP.
Settlement timing
Funds from confirmed charges are settled to the merchant according to the settlement schedule agreed at contract signing. Contact the Monato team for details specific to your account.