Collect & Payouts.

Collect & Payouts.

Every money movement in your operation, in one place.

Every money movement in your operation, in one place.

Disbursing payments and collecting from your customers today means hiring a separate provider for each rail (SPEI, direct debit, cash) and reconciling each one on its own. Your ops team ends up cross-checking files by hand just to know what came in and what went out.

Disbursing payments and collecting from your customers today means hiring a separate provider for each rail (SPEI, direct debit, cash) and reconciling each one on its own. Your ops team ends up cross-checking files by hand just to know what came in and what went out.

How it works

How it works

Connect via API and pick the rail for the job: SPEI, direct debit, or cash.

Verify the destination account owner in minutes before you disburse.

Every movement processes in real time and gets its own identifier.

Reconciliation runs on its own, by customer, by product, or by business unit.

Key benefits

Key benefits

One provider for both collecting and disbursing, no matter the rail.

Verify the account owner before you disburse, catching fraud and errors at the source.

Automatic reconciliation, no cross-checking files between systems.

Direct SPEI participant status with Banxico. No bank intermediary.

Industries

Industries

PSPs and payment aggregators

Lenders and SOFOMs

Fintechs and neobanks

  • PSPs and payment aggregators

  • Lenders and SOFOMs

  • Fintechs and neobanks

  • PSPs and payment aggregators

  • Lenders and SOFOMs

  • Fintechs and neobanks

Products included

Products included

Move money with SPEI

Direct debit

Cash network

Account verification

Do you disperse payments and collect

at the same time?

Do you disburse payments and collect at the same time?

PSPs, aggregators, lenders, SOFOMes, fintechs, and neobanks are already operating this with a single provider. It is combined with SPEI, Direct Debit, and Cash-in/Cash-out in a single reconciliation.

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

© 2026 Monato. All rights reserved.

Privacy Policy

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

© 2026 Monato. All rights reserved.

Privacy Policy

Monato Agregador, S.A de C.V.,  operates as a technology platform (marketplace). The financial services available through this platform are provided by the entities identified below, each under its own licenses and authorizations:

  1. The electronic transfer services via SPEI available through this platform are offered and operated by Finco Pay, S.A. de C.V., Institution of Electronic Payment Funds ("IFPE"), duly authorized, regulated, and supervised by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico). Users contract these services directly with the IFPE.

  2. Credit services (Credit as a Service, Embedded Lending, Facilities) are offered and granted exclusively by Monato Strategic Finance, S.A. de C.V. SOFOM ENR, which is part of the Monato corporate group.

  3. International payment services (cross-border payments) are processed through authorized providers specializing in cross-border payments. The applicable fees and exchange rates are determined by the respective providers.

  4. Bill payment (bill pay) and direct debit services are operated by  Monato Tech, S. de R.L. de C.V., and companies belonging to the Monato corporate group. Corporate information, current licenses, and regulatory notices are published at monato.com.

© 2026 Monato. All rights reserved.

Privacy Policy