aid: mono-co
url: https://raw.githubusercontent.com/api-evangelist/mono-co/refs/heads/main/apis.yml
name: Mono
kind: company
description: Mono is an African open-banking platform that lets businesses access bank
  and financial data and collect recurring payments through a single API. The Mono
  REST API at api.withmono.com covers account linking (Connect), transactions, statements,
  identity, income, and balance, plus DirectPay one-time payments and Direct Debit
  mandates, secured with a mono-sec-key header.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Open Banking
- Financial Data
- Payments
- Direct Debit
- Africa
created: '2026-06-21'
modified: '2026-06-21'
specificationVersion: '0.19'
apis:
- aid: mono-co:account-linking-auth
  name: Account Linking and Auth
  tags:
  - Account Linking
  - Authorization
  - Connect
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com
  properties:
  - url: https://docs.mono.co/docs/financial-data/integration-guide
    type: Documentation
  - url: https://docs.mono.co/api/bank-data/authorisation/initiate-account-linking
    type: APIReference
  - url: openapi/mono-co-openapi.yml
    type: OpenAPI
  - url: collections/mono-co.postman_collection.json
    type: PostmanCollection
  - url: collections/mono-co.opencollection.json
    type: OpenCollection
  description: Initiate Mono Connect account linking and exchange the returned code
    for a persistent account id, instantiating the bank-data connection used by all
    downstream account endpoints.
- aid: mono-co:account-information
  name: Account Information
  tags:
  - Account Information
  - Balance
  - Connect
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.mono.co/docs/financial-data/overview
  baseURL: https://api.withmono.com
  properties:
  - url: https://docs.mono.co/docs/financial-data/overview
    type: Documentation
  - url: https://docs.mono.co/api/bank-data/accounts/details
    type: APIReference
  - url: openapi/mono-co-openapi.yml
    type: OpenAPI
  - url: collections/mono-co.postman_collection.json
    type: PostmanCollection
  - url: collections/mono-co.opencollection.json
    type: OpenCollection
  description: Retrieve account details and a near-real-time account balance for a
    linked account by its account id.
- aid: mono-co:transactions-statements
  name: Transactions and Statements
  tags:
  - Transactions
  - Statements
  - Financial Data
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.mono.co/api/bank-data/transactions
  baseURL: https://api.withmono.com
  properties:
  - url: https://docs.mono.co/api/bank-data/transactions
    type: Documentation
  - url: https://docs.mono.co/api/bank-data/transactions
    type: APIReference
  - url: openapi/mono-co-openapi.yml
    type: OpenAPI
  - url: collections/mono-co.postman_collection.json
    type: PostmanCollection
  - url: collections/mono-co.opencollection.json
    type: OpenCollection
  description: Pull money-in and money-out transactions with date, type, and narration
    filters, and retrieve a customer's bank statement in JSON or PDF form for a linked
    account.
- aid: mono-co:identity-income
  name: Identity and Income
  tags:
  - Identity
  - Income
  - KYC
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.mono.co/api/bank-data/accounts/identity
  baseURL: https://api.withmono.com
  properties:
  - url: https://docs.mono.co/api/bank-data/accounts/identity
    type: Documentation
  - url: https://docs.mono.co/api/bank-data/accounts/income
    type: APIReference
  - url: openapi/mono-co-openapi.yml
    type: OpenAPI
  - url: collections/mono-co.postman_collection.json
    type: PostmanCollection
  - url: collections/mono-co.opencollection.json
    type: OpenCollection
  description: Verify a linked account holder's identity (name, phone, date of birth,
    BVN) and retrieve income signals including estimated salary and income sources
    derived from financial data.
- aid: mono-co:directpay-payments
  name: DirectPay Payments
  tags:
  - Payments
  - DirectPay
  - Bank Transfer
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.mono.co/docs/payments/overview
  baseURL: https://api.withmono.com
  properties:
  - url: https://docs.mono.co/docs/payments/overview
    type: Documentation
  - url: https://docs.mono.co/api/directpay/initiate
    type: APIReference
  - url: openapi/mono-co-openapi.yml
    type: OpenAPI
  - url: collections/mono-co.postman_collection.json
    type: PostmanCollection
  - url: collections/mono-co.opencollection.json
    type: OpenCollection
  description: Initiate one-time bank-to-bank DirectPay payments and verify their
    status, returning a hosted payment link for the customer to authorize.
- aid: mono-co:direct-debit-mandates
  name: Direct Debit and Mandates
  tags:
  - Direct Debit
  - Mandates
  - Recurring Payments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.mono.co/docs/payments/direct-debit/overview
  baseURL: https://api.withmono.com
  properties:
  - url: https://docs.mono.co/docs/payments/direct-debit/overview
    type: Documentation
  - url: https://docs.mono.co/api/direct-debit/mandate/initiate-mandate-authorisation
    type: APIReference
  - url: openapi/mono-co-openapi.yml
    type: OpenAPI
  - url: collections/mono-co.postman_collection.json
    type: PostmanCollection
  - url: collections/mono-co.opencollection.json
    type: OpenCollection
  description: Create customers, set up fixed or variable direct-debit mandates on
    a customer's bank account, run a confirmation-of-funds balance inquiry, and debit
    an authorized mandate for recurring collections.
- aid: mono-co:webhooks
  name: Webhooks
  tags:
  - Webhooks
  - Events
  - Notifications
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.mono.co/docs/webhooks
  baseURL: https://api.withmono.com
  properties:
  - url: https://docs.mono.co/docs/webhooks
    type: Documentation
  - url: https://docs.mono.co/docs/payments/direct-debit/webhook-events
    type: APIReference
  - url: openapi/mono-co-openapi.yml
    type: OpenAPI
  - url: collections/mono-co.postman_collection.json
    type: PostmanCollection
  - url: collections/mono-co.opencollection.json
    type: OpenCollection
  description: Server-to-server webhook callbacks for Connect account events
    (connected, updated, reauthorisation required, unlinked) and payment events
    (DirectPay and Direct Debit success and failure), delivered as POST requests
    with a shared event/data/timestamp payload.
common:
- type: GitHubOrganization
  url: https://github.com/withmono
- type: LinkedIn
  url: https://www.linkedin.com/company/mono-hq
- type: Website
  url: https://mono.co
- type: Documentation
  url: https://docs.mono.co
- type: Plans
  url: plans/mono-co-plans-pricing.yml
- type: RateLimits
  url: rate-limits/mono-co-rate-limits.yml
- type: FinOps
  url: finops/mono-co-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com