Monoova

aid: monoova
url: https://raw.githubusercontent.com/api-evangelist/monoova/refs/heads/main/apis.yml
name: Monoova
kind: company
description: 'Monoova is an Australian payments platform that lets businesses receive, manage, and pay funds in AUD across
  every domestic rail through a single set of RESTful JSON APIs. Operated by Monoova Global Payments Pty Ltd (AFSL 421414)
  and enrolled with AUSTRAC, it connects directly to the New Payments Platform (real-time account-to-account transfers via
  NPP/Osko, PayID addressing, and PayTo mandated debits) alongside BPAY, direct entry (credit/debit), card acquiring, and
  Apple Pay / Google Pay. Its Automatcher reconciliation engine, virtual mAccount/mWallet hierarchies, Confirmation of Payee,
  account verification, payment tokenisation, and webhook-driven reporting target fintechs, marketplaces, payroll, lending,
  remittance, and SaaS businesses (customers include Wise, Nium, Finder, and Sharesies). Monoova is genuinely API-first: it
  ships a public developer portal, a Redoc API reference, downloadable OpenAPI specifications, and a public Postman workspace,
  plus a free self-serve sandbox.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Australia
- Real-Time Payments
- NPP
- PayTo
- PayID
- Account-to-Account
- BPAY
- Card Payments
- Money Movement
- Virtual Accounts
- Cross-Border
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: monoova:monoova-payments-api
  name: Monoova Payments API
  description: Monoova's core Payments API (v5.29) to receive, manage, and pay AUD across all Australian payment rails - real-time
    transfers via NPP/Osko, direct credit and direct debit, BPAY, card payments, and PayID. Includes the Automatcher bank-account
    receivables engine, virtual mAccount and mWallet hierarchies, ledger accounts, financial and reconciliation reporting,
    account verification, payment tokenisation, and webhooks. Authenticated with HTTP Basic auth (API key as the username).
  humanURL: https://developer.monoova.com/overview
  baseURL: https://api.mpay.com.au
  tags:
  - Payments
  - NPP
  - PayID
  - BPAY
  - Automatcher
  properties:
  - type: OpenAPI
    url: openapi/monoova-payments.yml
  - type: Documentation
    url: https://developer.monoova.com/overview
  - type: APIReference
    url: https://api-docs.monoova.com/
- aid: monoova:monoova-payto-api
  name: Monoova PayTo API
  description: Monoova's PayTo API (v1) for the New Payments Platform's mandated account-to-account debit service - create
    and manage payment agreements (mandates), initiate payments against them, handle mandate and payment status lifecycles,
    and receive notifications and webhooks. Authenticated with short-lived (24h) Bearer tokens obtained via HTTP Basic auth.
  humanURL: https://developer.monoova.com/payto
  baseURL: https://api.monoova.com
  tags:
  - PayTo
  - Real-Time Payments
  - Mandates
  properties:
  - type: OpenAPI
    url: openapi/monoova-payto.yml
  - type: Documentation
    url: https://developer.monoova.com/payto
  - type: APIReference
    url: https://api-docs.monoova.com/
- aid: monoova:monoova-card-payments-api
  name: Monoova Card Payments API
  description: Monoova's Card Payments API (v1) for accepting card payments, including tokenised card flows and webhook notifications
    for payment events. Authenticated with short-lived (24h) Bearer tokens obtained via HTTP Basic auth.
  humanURL: https://developer.monoova.com/card-payments
  baseURL: https://api.monoova.com
  tags:
  - Card Payments
  - Acquiring
  properties:
  - type: OpenAPI
    url: openapi/monoova-cc.yml
  - type: Documentation
    url: https://developer.monoova.com/card-payments
  - type: APIReference
    url: https://api-docs.monoova.com/
common:
- type: Overlay
  url: overlays/monoova-cc-overlay.yaml
- type: TrustCenter
  url: security/monoova-trust-center.yml
- type: DomainSecurity
  url: security/monoova-domain-security.yml
- type: AgenticAccess
  url: agentic-access/monoova-agentic-access.yml
- type: Authentication
  url: authentication/monoova-authentication.yml
- type: Website
  url: https://www.monoova.com/
- type: DeveloperPortal
  url: https://developer.monoova.com/
- type: Documentation
  url: https://developer.monoova.com/
- type: APIReference
  url: https://api-docs.monoova.com/
- type: GettingStarted
  url: https://developer.monoova.com/getting-started
- type: Authentication
  url: https://developer.monoova.com/authentication
- type: Postman
  url: https://www.postman.com/monoova/monoova-api
- type: StatusPage
  url: https://monoova.statuspage.io
- type: Blog
  url: https://www.monoova.com/blog
- type: GitHubOrganization
  url: https://github.com/monoova
- type: LinkedIn
  url: https://www.linkedin.com/company/monoova
- type: SignUp
  url: https://sandbox.monoova.com/
- type: Support
  url: https://www.monoova.com/contact
- type: TermsOfService
  url: https://www.monoova.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.monoova.com/privacy-policy
- type: Security
  url: https://www.monoova.com/security
- type: Packages
  url: packages/monoova-packages.yml
- type: SDKs
  url: packages/monoova-packages.yml
- type: Conventions
  url: conventions/monoova-conventions.yml
- type: Lifecycle
  url: lifecycle/monoova-lifecycle.yml
- type: MCPServer
  url: mcp/monoova-mcp.yml
- type: ToolCrosswalk
  url: mcp/monoova-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/monoova-llms.txt
- type: Conformance
  url: conformance/monoova-conformance.yml
- type: Compliance
  url: https://www.monoova.com/security
- type: ErrorCatalog
  url: errors/monoova-problem-types.yml
- type: DeclineCodes
  url: errors/monoova-decline-codes.yml
- type: Webhooks
  url: asyncapi/monoova-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/monoova-data-model.yml
- type: Sandbox
  url: sandbox/monoova-sandbox.yml
- type: Components
  url: components/monoova-components.yml
- type: WellKnown
  url: well-known/monoova-well-known.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com