Follow these steps to submit your first batch of charges via the Monato SFTP integration.
SFTP credentials and connection details are provided by the Monato team at contract signing. Your credentials include:
- Host — the SFTP server address
- Username — your organisation's SFTP username
- Password or SSH key — depending on the authentication method configured for your account
Contact the Monato team if you have not received your credentials.
Prepare a CSV file following the Batch Files Column Specification. Each row represents a single charge.
The file name must not contain special characters or spaces. Allowed characters are letters (upper or lowercase), numbers, hyphens (-), and underscores (_).
Example: charges_20251120_group_1.csv
Download the Charges Request File Layout and Charges Request File Example to get started.
Connect to the Monato SFTP server using your credentials and upload the file to the in folder.
Within 5 minutes of upload, the platform publishes a pre-validation response file in the out folder.
{original_file_name}_pre_validation_ok_{uuid}.csvFile content: FILE_SCHEDULED_FOR_PROCESSING
The file has been accepted and is queued for processing.
{original_file_name}_pre_validation_nok_{uuid}.csvFile content: NOT_ABLE_TO_PROCESS_FILE
The file could not be accepted — check the file name, format, and structure against the column specification and re-upload.
If pre-validation passes, the platform runs input validation on the file contents within 2 minutes.
{original_file_name}_process_nok_{uuid}.csvThis file contains all rows from the original request file plus an additional column with the validation error for each failing row. Correct the errors and re-upload the file.
→ See Validation Response File Example
{original_file_name}_process_ok_{uuid}.csvAll charges have passed validation and have been submitted to the banking network for processing.
On the next business day, the platform publishes a charges response file in the out folder:
responses_{yyyyMMdd}_{uuid}.csvThis file contains a row for every charge that received a response from the banking network on that date, including risk and penny validation errors.
→ See Charges Response File Example
The result column will contain one of the following values:
| Value | Description |
|---|---|
confirmed | The charge was successfully collected |
declined | The charge was not collected — see the error code column for the reason |
canceled | The charge was canceled before processing |
For a full list of error codes that may appear in response files, see Error Codes.