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Direct debit.

Direct debit.

Direct debit.

Collect recurring payments without chasing a single payment.

Collect recurring payments without chasing a single payment.

Collect recurring payments without chasing a single payment.

Recurring collections that depend on your customer doing something (paying, authorizing, remembering) create delinquency. Chasing payments manually costs time and doesn't scale.

 Recurring charges that depend on your customer doing something (paying, authorizing, remembering) generate delinquency. Chasing payments manually costs time and does not scale.

 Recurring charges that depend on your customer doing something (paying, authorizing, remembering) generate delinquency. Chasing payments manually costs time and does not scale.

How it works

How it works

Your customer authorizes the charge only once, either with their CLABE or debit card.

You request the charge via API or batch. We validate the account before charging.

We confirm the result of each charge: approved, declined, and the specific reason.

Key benefits

Key benefits

Automatic collection with no action from the end customer.

Account verification before the first charge, cutting declines from account errors.

Detailed response per charge, not just approved or declined.

API available 24/7, processing on business days at 4pm Mexico time

How the system learns

Every collection attempt adjusts based on what we already know about payment behavior: the system learns when and through which channel to retry a failed charge, instead of always retrying the same way. Reconciliation by customer and by charge happens on its own.

A comprehensive infrastructure that solves technological, regulatory, and risk components, | its operation in a complete financial platform

Where it is used

  • SaaS with subscriptions

  • Insurers

  • Gyms and memberships

  • Microfinance institutions with portfolio collection

  • SaaS with subscriptions

  • Insurers

  • Gyms and memberships

  • Microfinance institutions with portfolio collection

Available in bundles

Colletc & payouts

View solution

Recurring payments

View solution

How the system learns

A comprehensive infrastructure that solves technological, regulatory, and risk components, | its operation in a complete financial platform

Where it is used

  • SaaS with subscriptions

  • Insurers

  • Gyms and memberships

  • Microfinance institutions with portfolio collection

Available in bundles

Colletc & payouts

View solution

Recurring payments

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