Account Verification.

Account Verification.

Account Verification.

Confirm the owner of an account before sending them money, in minutes.

Confirm the owner of an account before sending them money, in minutes.

Confirm the owner of an account before sending them money, in minutes.

Sending money to the wrong account, or to a beneficiary who isn't who they claim to be, costs time and money to recover. Verifying every account manually before operating doesn't scale.

Sending money to the wrong account, or to a beneficiary who isn't who they claim to be, costs time and money to recover. Verifying every account manually before operating doesn't scale.

Sending money to the wrong account, or to a beneficiary who isn't who they claim to be, costs time and money to recover. Verifying every account manually before operating doesn't scale.

How it works

How it works

You register the account you want to validate.

We sent a one-cent transfer to that account.

The bank confirms the beneficial owner, and we deliver that confirmation to you via webhook.

Key benefits

Key benefits

Confirmation of the real account owner before you move real money.

Automatic webhook notification as soon as the receiving bank responds.

Reduce fraud and disbursement errors before they occur, not after.

Where it is used

Where it is used

  • Any mass scatter flow

  • Payroll

  • Credit disbursement

  • Payments to suppliers

  • Any mass scatter flow

  • Payroll

  • Credit disbursement

  • Payments to suppliers

Any mass scatter flow

Payroll

Credit disbursement

Payments to suppliers

Available in bundles

Collect & payouts

Recurring payments

Do you want to confirm the actual account holder before sending them real money?

Do you want to confirm the actual account holder before sending them real money?

Any mass disbursement or collection flow now validates with a one-cent transfer before the first actual movement. This is combined with SPEI Connection to operate the full disbursement once the account holder is confirmed.

Any mass disbursement or collection flow now validates with a one-cent transfer before the first actual movement. This is combined with SPEI Connection to operate the full disbursement once the account holder is confirmed.

Any mass disbursement or collection flow now validates with a one-cent transfer before the first actual movement. This is combined with SPEI Connection to operate the full disbursement once the account holder is confirmed.

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