Getting Started
Banking infrastructure for Latin America — Mono's developer guides for pay-ins, payouts, cards, ledgers, and Bre-B.
Mono is banking infrastructure for Latin America. Connect your company to the Colombian banking network, including Bre-B, the instant-payment scheme, without becoming a bank. Move money in and out, hold balances, issue cards, and track every cent.
These guides are written for everyone who works with Mono, not just engineers. Whether you are a product manager evaluating us, a finance lead figuring out reconciliation, a support agent looking up an error code, or a developer wiring up a webhook: it's all here.
What you can achieve with Mono
- Pay-ins — Accept payments from any Colombian bank account via PSE.
- Payouts — Send money to Colombian bank accounts via ACH, Transfiya, or Mono Turbo.
- Virtual and physical cards — Issue cards with a programmable balance and real-time spending controls.
- Ledger accounts — Hold balances for your users in a double-entry, fully auditable ledger.
- Bre-B integrations — Receive and send instant interbank payments via Bre-B.
Pick your path
Each section below answers a different question. Start where your question lives.
Who We Are
Mono in one page — what we do, who we serve, and how we operate.
Why Use Mono
Use cases, fit criteria, and what you can build that you could not build before.
Technical Support
Channels, response times, and how to escalate a production incident.
API standards
Authentication, idempotency, errors, formats, pagination — conventions that apply across products.
Services
Mono is organized around three services. Each one has its own guide tree.
Banking
Bank accounts, transfers (ACH, Transfiya, Mono Turbo), PSE collections, and card issuing.
Core
Programmable ledger, card issuing, spending controls, payouts.
Bre-B Participant
Send and receive Bre-B instant payments through the Mono API.
If you want to do X, read Y
| You want to... | Start here |
|---|---|
| Collect a payment via PSE on your e-commerce checkout | Banking → PSE collection |
| Send payouts to Colombian bank accounts | Banking → Sending transfers |
| Build a wallet with balances and cards | Core → Integration example |
| Hold balances in a programmable ledger | Core → Ledger |
| Issue virtual or physical cards | Banking → Cards |
| Receive Bre-B payments via QR | Bre-B → QR collection |
| Send a Bre-B transfer | Bre-B → Outgoing transfer |
| Understand authentication, errors, idempotency | API standards |
Quick start
From zero to your first call:
- Get credentials. Sign in to the Mono Dashboard and generate a sandbox API key for the service you are integrating.
- Read the relevant authentication page. Banking and Core use API keys; Bre-B uses OAuth.
- Make a test call. Use the curl snippet on the authentication page against the sandbox base URL.
- Wire a webhook. Each service emits webhooks for state changes — register your endpoint and verify the first event.
- Run an end-to-end flow. Pick the flow that matches your use case from the table above and follow it through sandbox.
Coverage
Today Mono operates in Colombia. We are expanding regionally; reach out to your account team if you are evaluating Mono for a country we have not yet announced.