Billpay Quickstart Guide

Greetings, welcome to Monato-API, in this quickstart you will find all the requirements to consume our API v1.

The Monato Team manages Sandbox and Production environments:

Sandbox: In this enviroment developers can make API calls and receive mocked responses so they can get to know how the API behaves in each scenario.

The Sandbox Enviroment is were the client will certified the integration.

You can make requests to sandbox environment in the following URL: https://dev-api.finco.lat

Production: When the integration is certified the finch team will provide the production ApiKey.

You can make requests to production environment in the following URL: https://api.finco.lat

The Timeout for requests is 60 seconds.

All Requests must use the HTTPS protocol.

To Authenticate the Finch-API you must have the Authentication header with your Bearer token (ApiKey) in all your requests.

Example:

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

Once you have your API Key, you have to select a payee service from the catalog, to make a payment or consult.

# Payee Actions
- pay: The payee offers payments, though the /payments endpoint.
- balance: The payee offers consults for account balance, through the /balances endpoint
- topup: The payee offers, phone recharge packages, through the /topups endpoint

Example:

$ curl https://dev-api.finco.lat/api/v1/payees \
-H 'Authorization: Bearer your_api_key'

Once you selected a payee_id, you can consult an account balance if the payee has the balance action available. This step is optional

Example:

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"
}'

To make a payment you need the selected payee_id, payer_account, amount and currency, the idempotency_key is optional.

Example:

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"
}'

Note: For for infomation in each endpoint check the Finch API endpoints.