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Monato supports SPEI as a redirect payment method in Mexico.

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Setup

Monato does not provide self-service sandbox sign-up. Contact Monato to create your account and enable SPEI.

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Credentials

When you configure Monato SPEI in the dashboard, provide the following credentials.
  • Client ID (client_id): Monato client ID.
  • Client Secret (client_secret): Monato client secret.
  • API Key (api_key): API key for Monato credential token access.
  • Approval URL (approval_url, optional): Custom URL for the approval experience when you pass connection_options.
If you do not provide approval_url, Gr4vy uses the hosted approval page.

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Supported countries

Monato supports transactions from buyers in MX.

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Supported currencies

Monato supports processing payments in MXN.

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Integration

Monato SPEI uses a redirect flow.

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Redirect integration

Create a transaction with the required fields. 
var transaction = await client.Transactions.CreateAsync(
  transactionCreate: new TransactionCreate()
  {
    Amount = 1299,
    Currency = "MXN",
    Country = "MX",
    PaymentMethod =
      TransactionCreatePaymentMethod.CreateCheckoutSessionWithUrlPaymentMethodCreate(
        new RedirectPaymentMethodCreate()
        {
          Method = "spei",
          RedirectUrl = "https://example.com/callback",
        }
      ),
  }
);
After you create a transaction, the API response includes payment_method.approval_url and a processing status. 
{
  "type": "transaction",
  "status": "processing",
  "payment_method": {
    "type": "payment-method",
    "approval_url": "https://..."
  },
  "method": "spei"
}
Use payment_method.approval_url to show the approval UI in a popup, iframe, or redirect. Approval links expire after 7 days.

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Recurring payments

Monato SPEI supports payment method tokenization for recurring payments. To set up recurring payments:
  • Store the payment method during the first SPEI transaction by setting store: true.
  • Create subsequent charges with the stored payment_method.id and set is_subsequent_payment, merchant_initiated, and payment_source.
Use the following pattern for subsequent recurring charges. 
var transaction = await client.Transactions.CreateAsync(
  transactionCreate: new TransactionCreate()
  {
    Amount = 1299,
    Currency = "MXN",
    Country = "MX",
    Intent = TransactionCreate.IntentEnum.Capture,
    PaymentMethod = TransactionCreatePaymentMethod.CreatePaymentMethodIdRequest(
      new PaymentMethodIdRequest()
      {
        Method = PaymentMethodIdRequest.MethodEnum.Id,
        Id = "f758d736-9a81-4bd0-85a9-2d3ee361b863"
      }
    ),
    IsSubsequentPayment = true,
    MerchantInitiated = true,
    PaymentSource = TransactionCreate.PaymentSourceEnum.Recurring
  }
);
Because this connector requires webhooks, confirm webhook delivery is active before you rely on recurring status updates.

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Recurring caveats

When you implement recurring payments with Monato SPEI, keep these caveats in mind.
  1. For one-off transactions, payment_service_transaction_id is the CLABE value.
  2. For recurring transactions, payment_service_transaction_id is the CLABE plus the Gr4vy transaction ID. This combination gives each recurring transaction a unique value, because SPEI does not provide a stable unique transaction ID.
  3. Because of this format, Gr4vy can not automatically reconcile recurring webhooks from SPEI. You should proxy MONEY_IN events, find the matching transaction in Gr4vy, and then include transaction_id in the webhook body you send to Gr4vy.
Use the following payload pattern when you proxy MONEY_IN for recurring transactions. 
{
  "id_msg": "a7a126e8-fa74-411c-ad2b-b000f277bb0d",
  "msg_name": "MONEY_IN",
  "msg_date": "2029-04-02",
  "body": {
    "id": "0196da9a-8947-703e-9a3b-bf8c7d9f6059",
    "beneficiary_account": "646180529600044117",
    "beneficiary_name": "John Smith",
    "beneficiary_rfc": "XYZ123456789",
    "payer_account": "137180210044008609",
    "payer_name": "Juan Perez",
    "payer_rfc": "XYZ987654321",
    "payer_institution": "40002",
    "amount": "123.00",
    "transaction_date": "20250402",
    "tracking_key": "50118609TBRNZ00I07219647",
    "payment_concept": "Payment for invoice 4567",
    "numeric_reference": "2504021",
    "transaction_id": "f0894971-7898-4c70-a10e-a7aa65d515b8"
  }
}

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Webhooks

This connector requires webhooks. Contact Monato support to configure webhook delivery. Monato sends MONEY_IN when a payment is captured.

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Testing

Contact Monato support and request a SPEI test transaction (MONEY_IN) using the CLABE from the payment session flow.