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.
Merchant Monato SFTP Monato Platform
| | |
|-- Uploads charge request ->| |
| file to /in | |
| |<-- Picks up file ---------|
| | |
| |-- Publishes pre- --->|
| | validation response |
| | |
| |-- Publishes charges --->|
| | response file |
|<-- Merchant reads files ---| |
| from /out | |- The merchant uploads a charge request CSV file to the
/infolder on the Monato SFTP server. - The platform picks up the file, validates it, and publishes an initial pre-validation response to the
/outfolder within 5 minutes. - If pre-validation passes, the platform processes the charges and publishes a charges response file to
/outthe next business day.
Files can be up to 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 Limits for the full set of constraints.
Charges are processed according to the platform's standard 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.
→ Onboarding and upload walkthrough → Batch Files Column Specification → Downloadable file templates and examples