Monato is a financial technology company specializing in SPEI transfer services in Mexico. We provide secure, fast, and reliable payment solutions for businesses, enabling seamless bank transfers through our API and platform
Fincore API (1.0.0)
- https://apicore.stg.finch.lat/v1/clients/{clientId}/credentials
- curl
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curl -i -X GET \
https://apicore.stg.finch.lat/v1/clients/c2d1d1e3-3340-4170-980e-e9269bbbc551/credentials \
-H 'x-api-key: YOUR_API_KEY_HERE'{ "data": [ { … } ] }
- https://apicore.stg.finch.lat/v1/clients/{clientId}/auth/credential-tokens
- curl
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curl -i -X POST \
'https://apicore.stg.finch.lat/v1/clients/{clientId}/auth/credential-tokens' \
-H 'Content-Type: application/json' \
-H 'x-api-key: YOUR_API_KEY_HERE' \
-d '{
"client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
"client_secret": "your_client_secret_here"
}'{ "id": "1307f4e3-3960-4b98-9a14-0b6839245cc9", "client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551", "client_credential_id": "e981c6d8-4d49-45f2-a7ee-f956dca15500", "token": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJjbGllbnRfaWQiOiJjMmQxZDFlMy0zMzQwLTQxNzAtOTgwZS1lOTI2OWJiYmM1NTEiLCJleHAiOjE3NDEyODE0MTl9.ziSqMClLqwUVfyM15bqUF_7-PINY0ZiWkH01s8pO3gA", "status": "ACTIVE", "expires_at": "2025-03-06 11:16:59.491631", "created_at": "2025-03-05 11:16:59.488685-06:00", "updated_at": "2025-03-05 11:16:59.488685-06:00", "deleted_at": "None" }
- https://apicore.stg.finch.lat/v1/banks
- curl
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curl -i -X GET \
https://apicore.stg.finch.lat/v1/banks \
-H 'Authorization: Bearer <YOUR_JWT_HERE>'{ "total_banks": 1, "page": 1, "page_size": 50, "banks": [ { … } ] }
- https://apicore.stg.finch.lat/v1/clients/{clientId}/accounts
- curl
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curl -i -X GET \
'https://apicore.stg.finch.lat/v1/clients/{clientId}/accounts' \
-H 'Authorization: Bearer <YOUR_JWT_HERE>'{ "currentPage": 1, "perPage": 50, "totalItem": 1, "data": [ { … } ] }
- https://apicore.stg.finch.lat/v1/clients/{clientId}/private_accounts
- curl
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curl -i -X POST \
https://apicore.stg.finch.lat/v1/clients/c2d1d1e3-3340-4170-980e-e9269bbbc551/private_accounts \
-H 'Authorization: Bearer <YOUR_JWT_HERE>' \
-H 'Content-Type: application/json' \
-d '{
"bank_id": "9d84b03a-28d1-4898-a69c-38824239e2b1",
"owner_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
"client_bank_adapter_id": "5b3a1b67-ab59-4cc1-8fc6-1d558b32b237",
"client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
"account_id": "24a726ac-180d-48df-82bc-711f2788a46f"
}'{ "id": "750ab428-b401-4b58-8a95-502bcb7b1bf8", "bankId": "9d84b03a-28d1-4898-a69c-38824239e2b1", "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551", "clientBankAdapterId": "5b3a1b67-ab59-4cc1-8fc6-1d558b32b237", "accountId": "24a726ac-180d-48df-82bc-711f2788a46f", "instrumentId": "ab502fce-1162-42f3-99d6-972989a06049", "ownerId": "c2d1d1e3-3340-4170-980e-e9269bbbc551", "ownerType": "CLIENT", "accountNumber": "000001233635", "clabeNumber": "734180000001233635", "availableBalance": "0.00", "accountType": "PRIVATE_ACCOUNT", "accountStatus": "ACTIVE", "audit": { "createdAt": "2025-04-12 11:00:56.264527-06:00", "updatedAt": "2025-04-12 11:00:56.264527-06:00", "deletedAt": "None", "blockedAt": "None", "activatedAt": "None", "suspendedAt": "None" }, "bankAdapter": "SIES" }
- https://apicore.stg.finch.lat/v1/clients/{clientId}/instruments/{instrumentId}
- curl
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curl -i -X GET \
'https://apicore.stg.finch.lat/v1/clients/{clientId}/instruments/{instrumentId}' \
-H 'Authorization: Bearer <YOUR_JWT_HERE>'Instrument details.
Identifier of the entity that owns this instrument (client or customer). When the instrument belongs to a customer, ownerId and customerId will be the same.
Customer who owns the instrument when applicable. Present when the instrument belongs to a customer; omitted for client-level instruments.
{ "id": "dd7f8d89-94dd-43ca-871b-720fde378b52", "bankId": "d3435bd9-998d-4e8a-9067-6b71d5fd3ac7", "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551", "ownerId": "c2d1d1e3-3340-4170-980e-e9269bbbc551", "alias": "Instrumento base", "type": "RECEIVER", "audit": { "createdAt": "2025-05-19 19:03:51.084659-06:00", "updatedAt": "2025-05-19 19:03:51.084668-06:00", "deletedAt": null, "blockedAt": null }, "rfc": "XAXX010101000", "customerId": "bb1e8fde-e68e-48e9-a483-d32153c752c2", "instrumentDetail": { "cardNumber": "5579072268574100", "expirationDate": "None", "holderName": "John Smith" } }
- https://apicore.stg.finch.lat/v1/clients/{clientId}/instruments
- curl
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curl -i -X GET \
'https://apicore.stg.finch.lat/v1/clients/{clientId}/instruments?customer_id=497f6eca-6276-4993-bfeb-53cbbbba6f08&page=1&per_page=1' \
-H 'Authorization: Bearer <YOUR_JWT_HERE>'List of instruments for the client (and optionally a specific customer).
Identifier of the entity that owns this instrument (client or customer). When the instrument belongs to a customer, ownerId and customerId will be the same.
Customer who owns the instrument when applicable. Present when the instrument belongs to a customer; omitted for client-level instruments.
{ "data": [ { … } ], "currentPage": 1, "perPage": 50, "totalItems": 17 }
Issuer/processing bank ID at Finco/Finch.
Client UUID under which the instrument is being registered. The actual owner will be the client itself (if customer_id is omitted) or the customer specified in customer_id (if provided).
Optional customer UUID that will own the instrument. When provided, the instrument belongs to this customer.
Instrument usage type. Currently only RECEIVER is accepted.
RFC tax identifier of the account or card holder. If you don't have it, you can send "ND".
- https://apicore.stg.finch.lat/v1/clients/{clientId}/instruments
- curl
- JavaScript
- Node.js
- Python
- Java
- C#
- PHP
- Go
- Ruby
- R
- Payload
curl -i -X POST \
'https://apicore.stg.finch.lat/v1/clients/{clientId}/instruments' \
-H 'Authorization: Bearer <YOUR_JWT_HERE>' \
-H 'Content-Type: application/json' \
-d '{
"source_bank_id": "9d84b03a-28d1-4898-a69c-38824239e2b1",
"client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
"customer_id": "bb1e8fde-e68e-48e9-a483-d32153c752c2",
"type": "RECEIVER",
"rfc": "XAXX010101000",
"alias": "Tarjeta ABC123",
"debit_card": {
"destination_bank_id": "3054ff18-32a0-478d-b9fe-b5261f9a6e1f",
"card_number": "5579072268574100",
"holder_name": "Pedro Navajas Dos"
}
}'Instrument created
Identifier of the entity that owns this instrument (client or customer). When the instrument belongs to a customer, ownerId and customerId will be the same.
Customer who owns the instrument when applicable. Present when the instrument belongs to a customer; omitted for client-level instruments.
{ "id": "dd7f8d89-94dd-43ca-871b-720fde378b52", "bankId": "d3435bd9-998d-4e8a-9067-6b71d5fd3ac7", "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551", "ownerId": "c2d1d1e3-3340-4170-980e-e9269bbbc551", "alias": "Tarjeta con expiracion", "type": "RECEIVER", "instrumentDetail": { "cardNumber": "5579072268574100", "expirationDate": "None", "holderName": "Pedro Navajas Dos" }, "audit": { "createdAt": "2025-05-19 19:03:51.084659-06:00", "updatedAt": "2025-05-19 19:03:51.084659-06:00", "deletedAt": "None", "blockedAt": "None" }, "rfc": "XAXX010101000", "customerId": "bb1e8fde-e68e-48e9-a483-d32153c752c2" }
Client-generated deterministic UUID v5 derived from (client_id + method + body_hash) within an environment-specific namespace. When present, the first response (success or error) is cached for 24h; identical retries (same key + same body) return the same cached response. If the body changes with the same key, the server returns 409 Conflict.
- https://apicore.stg.finch.lat/v1/transactions/money_out
- curl
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curl -i -X POST \
https://apicore.stg.finch.lat/v1/transactions/money_out \
-H 'Authorization: Bearer <YOUR_JWT_HERE>' \
-H 'Content-Type: application/json' \
-H 'Idempotency-Key: string' \
-d '{
"client_id": "c2d1d1e3-3340-4170-980e-e9269bbbc551",
"source_instrument_id": "709448c3-7cbf-454d-a87e-feb23801269a",
"destination_instrument_id": "d3fdb481-2058-46c8-807d-4eaf866ae1ec",
"transaction_request": {
"external_reference": "1234567",
"description": "lorem ipsum dolor sit amet",
"amount": "1.95",
"currency": "MXN"
}
}'{ "id": "16811ee8-1ef9-4dd4-8d84-9c2df89cf302", "bankId": "9d84b03a-28d1-4898-a69c-38824239e2b1", "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551", "externalReference": "1234567", "trackingId": "20250306FINCHVLIKQ5SKUM", "description": "lorem ipsum dolor sit amet", "amount": "1.95", "currency": "MXN", "category": "DEBIT_TRANS", "subCategory": "SPEI_DEBIT", "transactionStatus": "INITIALIZED", "audit": { "createdAt": "2025-03-06 11:57:55.408000-06:00", "updatedAt": "2025-03-06 11:57:55.408000-06:00", "deletedAt": "None", "blockedAt": "None" } }
Refund amount (full refund only) — must be exactly equal to the original transaction amount received. Use two decimal places.
- https://apicore.stg.finch.lat/v1/clients/{clientId}/transactions/{transactionId}/refund
- curl
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curl -i -X POST \
'https://apicore.stg.finch.lat/v1/clients/{clientId}/transactions/{transactionId}/refund' \
-H 'Authorization: Bearer <YOUR_JWT_HERE>' \
-H 'Content-Type: application/json' \
-d '{
"amount": "5.00",
"description": "Invalid Amount"
}'{ "id": "957459ce-d4e3-40b5-b759-373e844ba1e8", "bankId": "9d84b03a-28d1-4898-a69c-38824239e2b1", "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551", "externalReference": "2505091", "trackingId": "20250510FINCHFL2SFGP9KT", "description": "lorem ipsum dolor sit amet", "amount": "100.00", "currency": "MXN", "category": "DEBIT_TRANS", "subCategory": "SPEI_DEBIT", "transactionStatus": "INITIALIZED", "audit": { "createdAt": "2025-05-09 18:02:31.979746-06:00", "updatedAt": "2025-05-09 18:02:31.979746-06:00", "deletedAt": null, "blockedAt": null } }
- https://apicore.stg.finch.lat/v1/webhooks
- curl
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curl -i -X POST \
https://apicore.stg.finch.lat/v1/webhooks \
-H 'Authorization: Bearer <YOUR_JWT_HERE>' \
-H 'Content-Type: application/json' \
-d '{
"client_id": "{{clientId}}",
"url": "https://example.com/webhook",
"token": "secretToken0123",
"webhook_type": "MONEY_IN",
"auth_type": "AUTH"
}'{ "id": "29806117-2b15-4682-87f0-350e6695fe91", "clientId": "c2d1d1e3-3340-4170-980e-e9269bbbc551", "url": "https://example.com/webhook", "token": "secretToken0123", "webhookType": "MONEY_IN", "webhookStatus": "ACTIVE", "createdAt": "2025-04-03 13:40:54.056794-06:00", "updatedAt": "2025-04-03 13:40:54.056794-06:00", "deletedAt": "None", "blockedAt": "None", "deletedBy": "None", "blockedBy": "None" }