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Financial infrastructure to operate without limits

Financial infrastructure to operate without limits

Financial infrastructure to operate without limits

Integrate payments, collections, and financial services in one place at the speed and scale your business demands.

Integrate payments, collections, and financial services in one place at the speed and scale your business demands.

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Companies that already operate with Monato

+$9B USD

+$9B USD

processed

historically

9 Rails

9 Rails

available to connect your infrastructure

99.98%

99.98%

availability of the

platform

Everything you need to operate finance at scale

Everything you need to operate finance at scale

A comprehensive infrastructure that resolves technological, regulatory, and risk components, consolidating your operation into a complete financial platform

A comprehensive infrastructure that resolves technological, regulatory, and risk components, consolidating your operation into a complete financial platform

A comprehensive infrastructure that solves technological, regulatory, and risk components, | its operation in a complete financial platform

Move money with SPEI

Direct Debit

Bill pay

International payments

Cash network

Account verification

Embedded accounts

Wallets

Embedded lending

Servicing

Facilities

Credit as a service

Move Money with SPEI

Send and receive money via SPEI from a single integration, no banks in between. Every CLABE is verified before a peso moves.

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Direct debit

Collect recurring payments without chasing them manually. If a charge fails, the system retries automatically — no manual work for your team.

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Bill pay

Your users pay electricity and water bills, top up mobile airtime, and buy gift cards — all inside your ecosystem. Catalog of 230+ services, one API.

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International payments

Send and receive payments between Mexico and abroad using the same integration you already use for SPEI. Local settlement in seconds.

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Cash network

Your users deposit and withdraw cash at physical points connected to your product. Useful if they don't operate on transfers alone yet.

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Account verification

You confirm the account owner before sending them money, in seconds.

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Embedded accounts

Coming soon

Your users get an electronic funds account, at the verification level your operation needs.

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Wallets

Coming soon

Your users hold an internal balance, without the full KYC of an account. Funded via SPEI or the cash network, the balance stays inside your platform, with no withdrawals or cash-out.

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Embedded lending

You fund, disburse, and collect your credit portfolio on a single platform: disburse via SPEI or cash, collect via Direct Debit.

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Servicing

We manage and collect on your credit portfolio, with real-time reporting.

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Facilities

We structure funding lines backed by your own portfolio's collection flow.

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Credit as a service

Coming soon

Funding, disbursement, collections, and servicing — integrated into one credit infrastructure, so you don't have to build each piece separately.

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Solutions

Find the solution for your business

Find the solution for your business

Every company operates differently. That is why our solutions adapt to different models, industries, and needs. Explore which one aligns with your operation.

Every company operates differently. That is why our solutions adapt to different models, industries, and needs. Explore which one aligns with your operation.

Disperse and collect


Disburse and collect via SPEI, direct debit, or cash network, with ownership validation included and automatic reconciliation.

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Turn your users into revenue

Offers utility bill payments, mobile top-ups, and gift cards from a catalog of over 230 options, plus a cash network for deposits and withdrawals.

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Recurring billing


Schedule recurring direct debit payments, with SPEI backup and account ownership validation before the first charge.


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Move money internationally

Send and receive international payments with local settlement via SPEI or cash networks in Mexico. No hidden fees.

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Non-dilutive funding


We fund the origination of new loans without diluting your own equity, and we operate the disbursement infrastructure for you.

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Accounts and wallets


Give your users an electronic payment fund account or a closed-loop wallet, funded by SPEI or a cash network, according to the level they need.

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Industries that trust Monato

Industries that trust Monato

Receive and disperse money through SPEI, direct debit, or cash. We provide you with organization and traceability for every transaction with automatic reconciliation.

Receive and disperse money through SPEI, direct debit, or cash. We provide you with organization and traceability for every transaction with automatic reconciliation.

Receive and disperse money through SPEI, direct debit, or cash. We provide you with organization and traceability for every transaction with automatic reconciliation.

01

Fintechs and neobanks

Launch accounts, payouts, and collections without the need to build a treasury operation first.

02

Microfinance and SOFOMs

Microfinance and SOFOMs

Every single dollar coming in and going out is recorded with complete traceability. Reports are ready for your financial close, without having to build an Excel sheet by hand.

03

PSPs and aggregators

PSPs and aggregators

You no longer have to cross-reference files to know which transaction belongs to whom. Each movement arrives already identified by the merchant from the API.

04

Retail chains

Retailers and commercial chains

You know exactly how much margin you have left before you get paid, with no hidden fees appearing later.

05

SaaS and subscriptions

SaaS and subscriptions

Fewer cancellations from failed payments. Visibility of every attempt and every retry, in real time.

06

Corporate

Corporate

A single integration covers your local operations and your outward transactions, without the need for two providers or two contracts.

01

Fintechs and neobanks

Launch accounts, payouts, and collections without the need to build a treasury operation first.

02

Microfinance and SOFOMs

03

PSPs and aggregators

04

Retail chains

05

SaaS and subscriptions

06

Corporate

Every move goes through a decision layer before reaching your team.

Every move goes through a decision layer before reaching your team.

Everything your payments operation needs

Everything your payments operation needs

Every company operates differently. We have solutions that adapt to your models, industries, and needs.

Every company operates differently. We have solutions that adapt to your models, industries, and needs.

Every company operates differently. We have solutions that adapt to your models, industries, and needs.

Our own official licenses

We operate under our own license as a SOFOM, with direct participation in SPEI with Banxico. Without relying on any third party.

Dynamic routing between rails

Choose the route based on cost, speed, and availability, and switch providers automatically so your operation always stays online.

Automatic reconciliation

In seconds, the model correctly assigns deposits without intervention, matching amount, date, reference, and history.

Scale without regulatory burden

Adding a new rail does not mean negotiating a license or a different provider. It is activated within the same platform, under the same contract.

Validation before execution

Before processing the payment, we validate the account, assess the risk, and confirm that funds are available, preventing failed charges and chargebacks.

Actual operational experience

A team of specialists in payments, banking, and tech. People who built, scaled, and consolidated fintech in LATAM, setting a benchmark in the industry.

On the industry radar

On the industry radar

Discover why we are cited as the engine behind embedded finance and the new era of payments in Mexico.

Source: El Economista

Monato secures funding to boost Mexico's financial infrastructure.

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Source: DPL News

Monato wants to revolutionize Mexico with embedded finance.


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Source: Factor Fintec

Interview: Factor Fintech Mexico - The Rules of Growth.


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Source: Fintech México

Iñigo Rumayor joins the Board of Directors of FinTech México.


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It is already happening

We work with companies from different sectors that share the same challenge: moving money quickly, reliably, and without operational complexity.

Direct Debit

Europiel Láser Center transformed its collections with Monato.


Result: By migrating to direct debit, it increased its acceptance rate from 16% to 30.4% and reduced chargebacks from 30% to only 2%. All with an implementation in 48 hours.

Direct Debit

Europiel Láser Center transformed its collections with Monato.


Result: By migrating to direct debit, it increased its acceptance rate from 16% to 30.4% and reduced chargebacks from 30% to only 2%. All with an implementation in 48 hours.

Direct Debit

Europiel Láser Center transformed its collections with Monato.


Result: By migrating to direct debit, it increased its acceptance rate from 16% to 30.4% and reduced chargebacks from 30% to only 2%. All with an implementation in 48 hours.

Ready to simplify your financial operations?

Ready to simplify your financial operations?

Schedule a session with our team to learn how

Monato adapts to your operation

Schedule a session with our team to learn how Monato adapts to your operation

Schedule a call