{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-products/directdebit/sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":[]},"type":"markdown"},"seo":{"title":"Bulk Collections via SFTP - Monato Direct Debit","siteUrl":"https://docs.monato.com","llmstxt":{"hide":false,"sections":[{"title":"Table of contents","includeFiles":["**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"bulk-collections-via-sftp","__idx":0},"children":["Bulk Collections via SFTP"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Monato supports high-volume batch charge submission through a secure SFTP file exchange. Merchants upload a CSV charge request file to the Monato SFTP server and the platform returns pre-validation and result response files to the same server."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"how-it-works","__idx":1},"children":["How It Works"]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"header":{"controls":{"copy":{}}},"source":"Merchant                    Monato SFTP                 Monato Platform\n   |                            |                            |\n   |-- Uploads charge request ->|                            |\n   |       file to /in          |                            |\n   |                            |<-- Picks up file ---------|\n   |                            |                            |\n   |                            |-- Publishes pre-       --->|\n   |                            |   validation response      |\n   |                            |                            |\n   |                            |-- Publishes charges    --->|\n   |                            |   response file            |\n   |<-- Merchant reads files ---|                            |\n   |    from /out               |                            |\n"},"children":[]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The merchant uploads a charge request CSV file to the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/in"]}," folder on the Monato SFTP server."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The platform picks up the file, validates it, and publishes an initial pre-validation response to the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/out"]}," folder within 5 minutes."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["If pre-validation passes, the platform processes the charges and publishes a charges response file to ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/out"]}," the next business day."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"capacity","__idx":2},"children":["Capacity"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Files can be up to ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["30 MB"]},", with no fixed limit on the number of charges — a file is bounded only by that size limit and by finishing processing within the platform's processing window. If a file approaches the size limit, consider splitting it into multiple files. See ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/directdebit/content/reference/batch-file-spec#limits"},"children":["Limits"]}," for the full set of constraints."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"processing-schedule","__idx":3},"children":["Processing Schedule"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Charges are processed according to the platform's standard ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/directdebit/content/reference/times-and-settlements"},"children":["cutoff times"]},". Files uploaded before 3:00 PM Mexico City time on a business day are processed the same day. Files uploaded after the cutoff or on non-business days are processed on the next business day."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"next-steps","__idx":4},"children":["Next Steps"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["→ ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/directdebit/content/guides/sftp/onboarding"},"children":["Onboarding and upload walkthrough"]}," ","→ ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/directdebit/content/reference/batch-file-spec"},"children":["Batch Files Column Specification"]}," ","→ ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/directdebit/content/resources"},"children":["Downloadable file templates and examples"]}]}]},"headings":[{"value":"Bulk Collections via SFTP","id":"bulk-collections-via-sftp","depth":1},{"value":"How It Works","id":"how-it-works","depth":2},{"value":"Capacity","id":"capacity","depth":2},{"value":"Processing Schedule","id":"processing-schedule","depth":2},{"value":"Next Steps","id":"next-steps","depth":2}],"frontmatter":{"seo":{"title":"Bulk Collections via SFTP - Monato Direct Debit"}},"lastModified":"2026-07-03T21:00:38.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/products/directdebit/content/guides/sftp","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}