Monnet

Monnet: Payments And Payouts Across LATAM With One Integration

Merchants expanding into Latin America often face fragmented rails, local payment preferences, and operational complexity. Monnet provides a single platform for accepting payments, making mass payouts, and managing a regional wallet across selected LATAM markets. With Payins, Payouts, and a Regional Wallet available through one integration, Monnet focuses on practical coverage and day-to-day operational control rather than hype. This overview summarizes what Monnet offers, where it operates, how it integrates, and the considerations merchants should evaluate.

Monnet At A Glance

Monnet is a payments platform focused on Latin America. Its core solutions are:

• Payins for accepting cards and alternative payment methods such as bank transfer and cash through a single, multicurrency integration.

• Payouts for immediate and traditional bank transfers via API, suitable for mass payments like payroll, supplier disbursements, refunds, commissions, and prize payouts.

• Regional Wallet to manage funds centrally and distribute balances across the supported markets.

Monnet provides a public status page for incident visibility and publishes FAQs, terms, and privacy information.

Key Products And Capabilities

Payins

Monnet’s Payins solution allows merchants to accept payments with major card brands alongside alternative methods like bank transfer and cash. The implementation is designed to be single integration and multicurrency, reducing the overhead of connecting to multiple local providers individually.

Operational features highlighted by Monnet include:

• Multiple payment options to align with local consumer preferences.

• Real-time visibility into collections and online sales balances.

• Notifications and tracking to monitor transaction states.

Payouts

Payouts enable immediate and traditional bank transfers via API with wide bank coverage in Latin America and settlement in local currency. Monnet lists common use cases such as payroll, supplier payments, refunds, commissions, and prize disbursements.

Notable points:

• Mass payments in short time windows. Monnet states mass payouts can be made in as little as 30 minutes, subject to each bank’s accreditation time.

• Operational control. A dashboard provides real-time tracking of transactions and balances, helping teams reconcile and resolve issues faster.

• Notification options to keep end users informed about payout status.

Regional Wallet

The Regional Wallet is designed to manage and distribute funds across regional balances from a single platform. This can simplify treasury operations for businesses active in multiple LATAM countries by reducing the need to juggle standalone accounts.

Geographic Coverage

Monnet’s website emphasizes regional reach in Latin America through a single integration. The coverage section lists selected markets and indicates available rails by country. Countries highlighted include Peru, Chile, Ecuador, Argentina, Honduras, Guatemala, Mexico, Panama, and Colombia.

Availability of specific methods varies by country, and Monnet’s public pages summarize these at a high level. Merchants should validate method granularity, settlement cut-offs, and bank networks during onboarding.

Integration And Developer Considerations

Monnet provides API documentation for the Payins flow and references a CERT account for testing prior to go-live. Integration notes from Monnet’s materials include:

• Single API model across supported countries for Payins, reducing bespoke integrations.

• Environment access requires a Monnet CERT account obtained through the company’s onboarding process.

• Operational transparency through a public status page for incidents and performance updates.

While the website outlines capabilities, detailed API references are focused on Payins. Payouts are presented as API-driven as well, with operational guidance on speed and notifications. Teams should request full technical specs and message schemas for payouts, webhook formats, and reconciliation files.

Settlement, Currencies, And Reconciliation

Monnet highlights multicurrency support and the ability to settle in different ways. The platform’s dashboard provides real-time balances and transaction tracking for both incoming and outgoing flows, which is critical for reconciliation across multiple countries.

Key points to confirm during scoping:

• Currency options per market and for settlement.

• Funding and defunding flows for the Regional Wallet.

• Payment file formats, payout cut-offs, and bank networks per country.

• Chargeback and dispute workflows for card Payins.

Operational Reliability And Support

For production readiness, Monnet provides:

• A public status page to view live incidents and history.

• FAQs that include contact information and pointers to incident tracking.

• Terms and Conditions, Privacy Policy, and Cookies Policy hosted on the site.

These resources help merchants troubleshoot and communicate internally when events occur. For incident management, align your support processes with Monnet’s status updates and ensure your engineering and operations teams subscribe to relevant notifications.

Pricing And Commercials

Monnet’s public pages do not list pricing tables or fee schedules. Merchants should contact Monnet for a commercial proposal and clarify:

• Payins pricing by method and country, including any cross-border fees.

• Payouts pricing by destination bank, currency, and speed.

• Wallet maintenance or balance transfer fees.

• Settlement timelines and minimum balances.

Because fee structures can vary by country, method, and volume, requesting a structured rate card during discovery is recommended.

Who Monnet Suits

Monnet’s positioning and feature set make it relevant for:

• Marketplaces and platforms that need to accept payments and pay out to many recipients in multiple countries.

• International merchants entering LATAM who prefer a single integration for local methods and local currency settlement.

• Businesses with frequent disbursements, such as payroll, supplier payments, influencer or gig-economy payouts, and refunds.

• Merchants needing central cash management, using a regional wallet to allocate funds across operating countries.

Pros And Considerations

Pros

• One integration that covers both Payins and Payouts across selected LATAM markets.

• Local rails variety, including cards, bank transfers, and cash where available.

• Mass payout capability with operational targets as short as 30 minutes, subject to accreditation times.

• Regional Wallet for centralized funds management.

• Operational transparency via a public status page and real-time dashboard tracking.

Considerations

• Public documentation depth is higher for Payins than for Payouts. Request detailed payout API specs and reporting samples.

• Fees not published. You will need a tailored quote and method-by-method breakdown.

• Country coverage varies by method. Confirm exact availability, banks, wallets, and cash networks per market.

• Compliance specifics such as PCI scope, local licensing, and KYC responsibilities are not detailed on public pages. Confirm these during due diligence.