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Financial infrastructure to operate without limits

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

processed

historically

9 Rails

available to connect your infrastructure

99.98%

availability of the

platform

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 solves technological, regulatory, and risk components, | its operation in a complete financial platform

Payment products

Move money with SPEI

Direct debit

Bill pay

International payments

Cash network

Account verification

Accounts

Embedded accounts

Wallets

Credit

Servicing

Facilities

Credit as a service

Move Money with SPEI

Send and receive money via SPEI through a regulated entitty. Single integration, verified CLABEs, real-time settlement

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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 maintain an internal balance without the hassle of a traditional bank account. Easily fund and withdraw via SPEI or cash networks.

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Servicing

Coming soon

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

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

Collect & payouts

Disperse and collect through SPEI, direct debit, or the cash network, with account verification built in and automatic reconciliation.

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Turn your users into revenue

Offer bill payments, top-ups, and gift cards from a catalog of 230+ options, plus a cash network for deposits and withdrawals.

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Recurring payments

Set up recurring collections via direct debit, backed by SPEI and account verification before the first charge.

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Move money internationally

Send and receive international payments, settling locally through SPEI or the cash network in Mexico. Transparent pricing.

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Non-dilutive funding

We fund the origination of new loans without diluting your own capital, and run the disbursement infrastructure for you.

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Coming soon

Accounts & wallets

Give your users an electronic payment fund account or a closed-circuit wallet, funded via SPEI or the cash network, based on the level they need.

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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.

Edificio de oficinas de cristal iluminado de noche, en blanco y negro

Fintechs and neobanks

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

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.

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.

Retail chains

Retailers and commercial chains

You know exactly how much margin you have left before you get paid, with transparent pricing.

SaaS and subscriptions

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

Corporate

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

Fintechs and neobanks

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

Microfinance and SOFOMs

PSPs and aggregators

Retail chains

SaaS and subscriptions

Corporate

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

Everything your payments operation needs

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

Ícono de un banco dentro de un hexágono azul

Licensed and regulated

We operate under licenses from CNBV and Banxico. See our regulatory footnotes for details on each service provider

Íconos flotantes de pagos: tienda, celular, rayo, gráfica y moneda

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.

Ilustración decorativa de puntos azules y líneas punteadas que representan el flujo de dinero

Dynamic routing between rails

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

Gráfica de barras de un reporte mensual en un panel oscuro

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.

Logotipo de Monato unido por una línea punteada a un escudo azul con palomita de verificación

Automatic reconciliation

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

Logotipos de plataformas como Rappi, PayPal y Amazon unidos por puntos azules

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.

Licensed and regulated

We operate under licenses from CNBV and Banxico. See our regulatory footnotes for details on each service provider

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.

Licensed and regulated

We operate under licenses from CNBV and Banxico. See our regulatory footnotes for details on each service provider

Automatic reconciliation

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

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.

Dynamic routing between rails

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

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.

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

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

Dos hombres sonriendo frente al módulo de Monato en un evento, junto al mensaje «Infraestructura financiera multi-riel en un solo lugar»

Source: El Economista

Monato secures funding to boost Mexico's financial infrastructure.

Logotipo de El Economista sobre una imagen en escala de grises de un mapa digital y gráficas

Source: DPL News

Monato wants to revolutionize Mexico with embedded finance.

Entrevista a un hombre sentado frente a un fondo con el logotipo de Factor Fin

Source: Factor Fintec

Interview: Factor Fintech Mexico - The Rules of Growth.

Cuatro líderes del sector fintech: Federica Gregorini de Belvo, Marlene Garayzar de Stori, Íñigo Rumayor de Monato y Armando Herrera Reyna de Nu

Source: Fintech México

Iñigo Rumayor joins the Board of Directors of FinTech México.

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?

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