# Monoova

**Canonical:** https://apis.io/providers/monoova/  
**Website:** https://www.monoova.com/  
**APIs profiled:** 3

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.

## Kin Score — 56.5 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 56.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 70.9 |
| Governance | 11.5 |
| Operational Transparency | 39.5 |
| Developer Ergonomics | 73.4 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Payments**: 53.1 (matched via tags).

## Agent readiness — 46.6 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (3)

- **Monoova Payments API** — 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,...
- **Monoova PayTo API** — 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 t...
- **Monoova Card Payments API** — 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) B...

## MCP servers (1)

- **monoova-mcp.yml**

## Agentic access (1)

- **Monoova Agentic Access** — 150 operations · 88 acting · 1 human-in-the-loop

## Security (3)

- **Monoova Authentication** — http · 2 schemes
- **Monoova Domain Security** — TLSv1.3 · HSTS · DMARC
- **Monoova Trust Center** — SOC 2, PCI DSS

## Tags

Payments, Australia, Real-Time Payments, NPP, PayTo, PayID, Account-to-Account, BPAY, Card Payments, Money Movement, Virtual Accounts, Cross-Border

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/monoova/). Scores are computed from the provider's own public artifacts under a published rubric.