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Bill Pay, top-ups, and gift cards.

Bill Pay, top-ups, and gift cards.

Bill Pay, top-ups, and gift cards.

Un catálogo, una integración, cientos de servicios.

Un catálogo, una integración, cientos de servicios.

Un catálogo, una integración, cientos de servicios.

Offering payment for electricity, water, telecom, airtime top-ups, or gift cards to your users means connecting provider by provider. It is slow, expensive, and each one has its own process.

Offering payment for electricity, water, telecom, airtime top-ups, or gift cards to your users means connecting provider by provider. It is slow, expensive, and each one has its own process.

Offering payment for electricity, water, telecom, airtime top-ups, or gift cards to your users means connecting provider by provider. It is slow, expensive, and each one has its own process.

How it works

How it works

Connect to a single catalog of 230+ services.

Your user pays the service from your app or point of sale.point of sale.

We process the payment with the provider and settle your commission automatically.

Key benefits

Key benefits

One API for a catalog of 230+ services.

Commission per transaction, no platform fee.

Catalog maintained and updated by Monato, without you having to manage providers one by one.

Estimated integration time: 4 to 6 weeks

Where it is used

Where it is used

  • Digital wallets

  • Financial apps

  • Fintechs looking for user retention.

  • Retail chains looking to generate traffic and additional income at the point of sale

  • Digital wallets

  • Financial apps

  • Fintechs looking for user retention.

  • Retail chains looking to generate traffic and additional income at the point of sale

  • Digital wallets

  • Financial apps

  • Fintechs looking for user retention.

  • Retail chains looking to generate traffic and additional income at the point of sale

Available in bundles

Turn your users into revenue

View solution

Do you always retry a failed charge the same way?

Do you always retry a failed charge the same way?

SaaS businesses with subscriptions, insurance companies, microfinance institutions with portfolio collection, and gyms are already collecting payments using a single mandate and retries that learn when and through which channel to persist. This is combined with a SPEI Connection for urgent collections outside the cycle.

SaaS businesses with subscriptions, insurance companies, microfinance institutions with portfolio collection, and gyms are already collecting payments using a single mandate and retries that learn when and through which channel to persist. This is combined with a SPEI Connection for urgent collections outside the cycle.

SaaS businesses with subscriptions, insurance companies, microfinance institutions with portfolio collection, and gyms are already collecting payments using a single mandate and retries that learn when and through which channel to persist. This is combined with a SPEI Connection for urgent collections outside the cycle.

Schedule a call

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