How Monato works

Monato offers one API per product. Each product has its own credentials, base URLs, webhooks and error format, so you integrate each one separately. Fincore describes itself as a single integration model that connects your systems with SPEI and Monato internal rails. Direct Debit handles the Domiciliación Bancaria network for you.

In Fincore, most payment operations are asynchronous. You send an HTTPS request, Monato accepts it, and the final result arrives later as a webhook or when you query the resource. Direct Debit charge results and Cash status changes also arrive as webhooks.

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.

Concepts you will see in more than one product

Concept	What it means	Where
Credentials	Keys you send with every request. Each product issues its own, and they are tied to an environment. See Authentication.	All products
Environment	Sandbox (or staging) for testing and production for live operations. Each has its own base URL. See Environments.	All products
Instrument	A stored reference to a payment method, such as a CLABE or a debit card. Transactions and charges point to an instrument ID.	Fincore, Direct Debit
Webhook	An HTTP `POST` from Monato to your endpoint when something happens, such as money arriving, a charge result or a cash operation being paid. See Webhooks.	Fincore, Direct Debit, Cash
Idempotency key	A value you send so a retried request does not run twice. See Idempotency.	Fincore, Direct Debit, Gift Cards, Billpay v1

Which product do I need?

If you need to	Use
Receive SPEI deposits into your Monato accounts	Fincore
Send money to CLABE accounts or debit cards	Fincore
Give a customer, product or collection flow its own CLABE	Fincore (private accounts)
Check that an account belongs to the expected holder before sending money	Fincore (Penny Validation)
Collect recurring or one-off payments from your customers’ CLABE or debit card	Direct Debit
Let users deposit or withdraw cash at physical locations	Cash
Let customers check a bill’s balance and pay it	Billpay
Sell digital gift cards	Gift Cards
Sell lottery tickets	Lottery
Send and receive remittances	Remittances