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Move money with SPEI.

Move money with SPEI.

Move money with SPEI.

Receive and send in real time, with no bank intermediary.

Receive and send in real time, with no bank intermediary.

Receive and send in real time, with no bank intermediary.

When your SPEI goes through a bank, every transfer is reconciled by hand and every CLABE is generic. You don't know which customer paid what, or when, until someone on your team cross-references it in a spreadsheet.

When your SPEI goes through a bank, every transfer is reconciled by hand and every CLABE is generic. You don't know which customer paid what, or when, until someone on your team cross-references it in a spreadsheet.

When your SPEI goes through a bank, every transfer is reconciled by hand and every CLABE is generic. You don't know which customer paid what, or when, until someone on your team cross-references it in a spreadsheet.

How it works

How it works

Connect via API and every customer, collector, or business unit receives their own CLABE.

Incoming transfer is instantly notified via webhook. Outgoing ones are executed in seconds.

Every movement is automatically reconciled, with reference, amount, and timestampt.

Key benefits

Key benefits

Direct SPEI participant before Banxico. No banking intermediary.

A unique CLABE per customer, so you reconcile without cross-checking files.

Account and beneficiary validation before disbursement.

Estimated time to first production transaction: 4 to 6 weeks

How each transfer decides its route

How each transfer decides its route

Each transfer chooses its own path: our system selects the optimal route based on availability, cost, and speed, with automatic retries if anything fails along the way. You don't manage that; you only see the result.

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

Where it is used

Where it is used

  • PSPs and aggregators

  • Microfinance institutions

  • Fintechs and neobanks

  • Companies with payroll or bulk payments.

  • PSPs and aggregators

  • Microfinance institutions

  • Fintechs and neobanks

  • Companies with payroll or bulk payments.

  • PSPs and aggregators

  • Microfinance institutions

  • Fintechs and neobanks

  • Companies with payroll or bulk payments.

Available in bundles

Available in bundles

Collect & payouts

View solution

Movemoney internationally

View solution

Recurring payments

View solution

Does your business process mass collections or payroll?

Does your business process mass collections or payroll?

PSPs, aggregators, fintechs, neobanks, and microfinance institutions are already collecting payments using this infrastructure. It is combined with Direct Debit and Cash for a complete collection solution.

PSPs, aggregators, fintechs, neobanks, and microfinance institutions are already collecting payments using this infrastructure. It is combined with Direct Debit and Cash for a complete collection solution.

PSPs, aggregators, fintechs, neobanks, and microfinance institutions are already collecting payments using this infrastructure. It is combined with Direct Debit and Cash for a complete collection solution.

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