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Industries

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Turn your users into revenue with services they're already looking for.

Turn your users into revenue with services they're already looking for.

 Genera ingreso con tus usuarios. Servicios que ya buscan, sin construir nada nuevo.

 Genera ingreso con tus usuarios. Servicios que ya buscan, sin construir nada nuevo.

Your users already pay bills, buy gift cards, and top up airtime somewhere. If you don't offer it, that revenue, and that engagement, goes to someone else.

Your users already pay bills, buy gift cards, and top up airtime somewhere. If you don't offer it, that revenue, and that engagement, goes to someone else.

How it works

How it works

Connect to a single catalog: bill payments, top-ups, gift cards, and 230+ services.

Your user pays or buys from your app or point of sale.

We settle with the provider and you get your commission automatically.

Key benefits

Key benefits

One API for a catalog of 230+ services: bill payments, top-ups, and gift cards.

Recurring commission revenue on every transaction.

More frequent platform usage, with no extra development on your side.

Industries

Industries

Retailers and chains

Fintechs and neobanks

  • Retailers and chains

  • Fintechs and neobanks

Products included

Bill pay

View product

Cash network

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Are your users already paying for services elsewhere?

Are your users already paying for services elsewhere?

Retailers, chains, fintechs, and neobanks are already monetizing their user base with a catalog of over 230 services, including utility payments, mobile top-ups, and gift cards, earning an automatic commission on every transaction.

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Av. México 45 int 1B-2B, colonia Hipódromo Condesa, alcaldía Cuauhtémoc, C.P. 06100, Ciudad de México

Documentation

Products

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

Solutions

Collect & payouts

Turn your users into revenue

Recurring payment

Move money internationally

Non-Dilutive credit funding

Accounts & wallets

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.

LinkedIn

Instagram

© 2026 Monato. All rights reserved.

Privacy Policy

Av. México 45 int 1B-2B, colonia Hipódromo Condesa, alcaldía Cuauhtémoc, C.P. 06100, Ciudad de México

Documentation

Products

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

Solutions

Collect & payouts

Turn your users into revenue

Recurring payment

Move money internationally

Non-Dilutive credit funding

Accounts & wallets

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.

LinkedIn

Instagram

© 2026 Monato. All rights reserved.

Privacy Policy

Av. México 45 int 1B-2B, colonia Hipódromo Condesa, alcaldía Cuauhtémoc, C.P. 06100, Ciudad de México

Documentation

Products

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

Solutions

Collect & payouts

Turn your users into revenue

Recurring payment

Move money internationally

Non-Dilutive credit funding

Accounts & wallets

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.

LinkedIn

Instagram

© 2026 Monato. All rights reserved.

Privacy Policy