Monato Documentation

Monato Documentation

Get to know our technical integration and architecture guide.

Get to know our technical integration and architecture guide.

Welcome to the Monato FinCore
API documentation

Welcome to the Monato FinCore
API documentation

Monato offers developers a streamlined connection to the SPEI (Sistema de Pagos Electrónicos Interbancarios), Mexico's interbank electronic transfer system.

Our API provides a robust, secure, and efficient way to integrate SPEI payments into your applications.

Monato offers developers a streamlined connection to the SPEI (Sistema de Pagos Electrónicos Interbancarios), Mexico's interbank electronic transfer system.

Our API provides a robust, secure, and efficient way to integrate SPEI payments into your applications.

Fincore

Robust and scalable financial infrastructure that centralizes the management of payments, transactions, and services through a comprehensive, high-performance API.

Multi-Rail and SPEI Connectivity

Automation and Control

Complete Financial Ecosystem

Remittances

API infrastructure solution to process, receive, and manage remittance transactions in an agile and secure manner.

Creation of private accounts

Transaction reversal

Search by reference number

Direct Debit

Platform that allows companies to collect recurring and one-time payments via CLABE and debit card with full support for the Mexican banking network.

Direct debit and recurring payments

Collection via CLABE and debit card

API, Portal, and SFTP Bulk Files

BillPay

Smart solution for recurring payment and collection automation that optimizes corporate cash flow.

Automatic reconciliation

Scheduled payments and reminders

Multiple integrated payment methods

Cash

API that enables secure physical cash deposit and withdrawal operations at merchants across Mexico with real-time notifications.

Integration with physical locations

Real-time notifications

Comprehensive monitoring

Gift Cards

Comprehensive solution for the automated issuance, management, and distribution of digital gift cards that boost loyalty and sales strategies.

Instant issuance and customization

Real-time control and traceability

Simplified multi-channel redemption

Lottery

API to integrate automated lottery ticket purchasing and active draw queries with integrated payment processing.

Real-time giveaway information

Flexible betting options

Integrated payment processing

Fincore

Robust and scalable financial infrastructure that centralizes the management of payments, transactions, and services through a comprehensive, high-performance API.

Multi-Rail and SPEI Connectivity

Automation and Control

Complete Financial Ecosystem

BillPay

Smart solution for recurring payment and collection automation that optimizes corporate cash flow.

Automatic reconciliation

Scheduled payments and reminders

Multiple integrated payment methods

Gift Cards

Comprehensive solution for the automated issuance, management, and distribution of digital gift cards that boost loyalty and sales strategies.

Instant issuance and customization

Real-time control and traceability

Simplified multi-channel redemption

Remittances

API infrastructure solution to process, receive, and manage remittance transactions in an agile and secure manner.

Creation of private accounts

Transaction reversal

Search by reference number

Cash

API that enables secure physical cash deposit and withdrawal operations at merchants across Mexico with real-time notifications.

Integration with physical locations

Real-time notifications

Comprehensive monitoring

Lottery

API to integrate automated lottery ticket purchasing and active draw queries with integrated payment processing.

Real-time giveaway information

Flexible betting options

Integrated payment processing

Direct Debit

Platform that allows companies to collect recurring and one-time payments via CLABE and debit card with full support for the Mexican banking network.

Direct debit and recurring payments

Collection via CLABE and debit card

API, Portal, and SFTP Bulk Files

Fincore

Robust and scalable financial infrastructure that centralizes the management of payments, transactions, and services through a comprehensive, high-performance API.

Multi-Rail and SPEI Connectivity

Automation and Control

Complete Financial Ecosystem

Gift Cards

Comprehensive solution for the automated issuance, management, and distribution of digital gift cards that boost loyalty and sales strategies.

Instant issuance and customization

Real-time control and traceability

Simplified multi-channel redemption

Cash

API that enables secure physical cash deposit and withdrawal operations at merchants across Mexico with real-time notifications.

Integration with physical locations

Real-time notifications

Comprehensive monitoring

Direct Debit

Platform that allows companies to collect recurring and one-time payments via CLABE and debit card with full support for the Mexican banking network.

Direct debit and recurring payments

Collection via CLABE and debit card

API, Portal, and SFTP Bulk Files

BillPay

Smart solution for recurring payment and collection automation that optimizes corporate cash flow.

Automatic reconciliation

Scheduled payments and reminders

Multiple integrated payment methods

Remittances

API infrastructure solution to process, receive, and manage remittance transactions in an agile and secure manner.

Creation of private accounts

Transaction reversal

Search by reference number

Lottery

API to integrate automated lottery ticket purchasing and active draw queries with integrated payment processing.

Real-time giveaway information

Flexible betting options

Integrated payment processing

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