Montonio

Montonio is an Estonian fintech providing a unified payments and shipping platform for e-commerce merchants across the Baltics, Poland, and Finland. Its developer platform exposes two JWT-authenticated REST APIs: the Payments API (Stargate) for bank payment initiation, card payments, MobilePay, BLIK, and Buy-Now-Pay-Later / Hire-Purchase financing, together with orders, refunds, payment links, checkout sessions and payout reporting; and the Shipping API (v2) for multi-carrier label printing, parcel tracking, pickup points, and shipment management. Montonio serves over 8,000 businesses, ships ready-made plugins for WooCommerce, Magento and PrestaShop, and publishes a first-party JavaScript SDK with embeddable checkout UI components.

Montonio publishes 2 APIs on the APIs.io network. Tagged areas include Company, Fintech, Payments, Payment Processing, and Open Banking.

The Montonio catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Montonio’s developer surface includes documentation, API reference, getting-started guide, authentication, pricing, signup flow, support, and 26 more developer resources.

45.3/100 developing ▬ flat Agent 52/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.5
AccessSelf serve
2 APIs 1 MCP Servers
CompanyFintechPaymentsPayment ProcessingOpen BankingE-commerceShippingLogisticsFinancingBalticsWebhooksSDK

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.5
Composite quality — 45.3/100 · developing
Contract Quality 5.7 / 25
Developer Ergonomics 16.1 / 20
Commercial Clarity 8.9 / 20
Operational Transparency 3.8 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 52/100 · agent ready
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/montonio: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 2

Individual APIs this provider publishes, each with its own machine-readable definition.

Montonio Payments API (Stargate)

JWT-authenticated REST API for collecting payments (bank payment initiation, cards, MobilePay, BLIK, BNPL / Hire-Purchase), creating and validating Orders, issuing Refunds, gene...

Montonio Shipping API (v2)

JWT-authenticated REST API for multi-carrier shipping: list carriers and shipping methods, fetch pickup points and courier services, calculate rates, create and update Shipments...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

montonio-mcp.yml

MCP SERVER

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Montonio Authentication

http · 2 schemes

SECURITY

Montonio Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 5

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Scroll for all 8

Build 4

SDKs, sample code, and the tooling you integrate with

Access & Security 2

Authentication, authorization, and security posture

Operate 3

Status, limits, changes, and where to get help

Commercial 3

Pricing, plans, and the legal terms of use

Company 2

The organization behind the API

Source (apis.yml)

apis.yml Raw ↑
aid: montonio
name: Montonio
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 19
  pass: local-v1
description: 'Montonio is an Estonian fintech providing a unified payments and shipping platform for e-commerce merchants
  across the Baltics, Poland, and Finland. Its developer platform exposes two JWT-authenticated REST APIs: the Payments API
  (Stargate) for bank payment initiation, card payments, MobilePay, BLIK, and Buy-Now-Pay-Later / Hire-Purchase financing,
  together with orders, refunds, payment links, checkout sessions and payout reporting; and the Shipping API (v2) for multi-carrier
  label printing, parcel tracking, pickup points, and shipment management. Montonio serves over 8,000 businesses, ships ready-made
  plugins for WooCommerce, Magento and PrestaShop, and publishes a first-party JavaScript SDK with embeddable checkout UI
  components.'
url: https://raw.githubusercontent.com/api-evangelist/montonio/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- index-ventures
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://cdn.prod.website-files.com/6745c818f143d246f266b299/68b9ab2dc787d1c75659148a_Frame%201%20(3).png
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Payments
- Payment Processing
- Open Banking
- E-commerce
- Shipping
- Logistics
- Financing
- Baltics
- Webhooks
- SDK
apis:
- name: Montonio Payments API (Stargate)
  description: JWT-authenticated REST API for collecting payments (bank payment initiation, cards, MobilePay, BLIK, BNPL /
    Hire-Purchase), creating and validating Orders, issuing Refunds, generating Payment Links, opening embedded checkout Sessions,
    listing available payment methods, and retrieving payout report statements. HS256 JWTs carry the request payload for POST
    endpoints.
  humanURL: https://docs.montonio.com/api/stargate/overview
  baseURL: https://stargate.montonio.com/api
  tags:
  - Payments
  - Orders
  - Refunds
  - Financing
  properties:
  - type: Documentation
    url: https://docs.montonio.com/api/stargate/overview
  - type: APIReference
    url: https://docs.montonio.com/api/stargate/reference
  - type: GettingStarted
    url: https://docs.montonio.com/api/stargate/checklist
  - type: Webhooks
    url: https://docs.montonio.com/api/stargate/guides/webhooks
- name: Montonio Shipping API (v2)
  description: 'JWT-authenticated REST API for multi-carrier shipping: list carriers and shipping methods, fetch pickup points
    and courier services, calculate rates, create and update Shipments, generate and fetch Label Files, and manage Webhooks.
    Uses Bearer HS256 JWTs signed with the store Secret Key.'
  humanURL: https://docs.montonio.com/api/shipping-v2/overview
  baseURL: https://shipping.montonio.com/api/v2
  tags:
  - Shipping
  - Logistics
  - Labels
  - Tracking
  properties:
  - type: Documentation
    url: https://docs.montonio.com/api/shipping-v2/overview
  - type: APIReference
    url: https://docs.montonio.com/api/shipping-v2/reference
  - type: Webhooks
    url: https://docs.montonio.com/api/shipping-v2/guides/webhooks
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.montonio.com
- type: DeveloperPortal
  url: https://docs.montonio.com
- type: Documentation
  url: https://docs.montonio.com/introduction
- type: APIReference
  url: https://docs.montonio.com/api/stargate/reference
- type: GettingStarted
  url: https://docs.montonio.com/api/stargate/checklist
- type: Authentication
  url: authentication/montonio-authentication.yml
- type: Pricing
  url: https://www.montonio.com/pricing
- type: SignUp
  url: https://partner.montonio.com/signup?locale=en_US
- type: Login
  url: https://partner.montonio.com/login?locale=en_US
- type: Support
  url: https://help.montonio.com/
- type: HelpCenter
  url: https://help.montonio.com/
- type: Blog
  url: https://www.montonio.com/blog
- type: StatusPage
  url: https://status.montonio.com
- type: GitHubOrganization
  url: https://github.com/montonio
- type: TermsOfService
  url: https://www.montonio.com/legal
- type: PrivacyPolicy
  url: https://www.montonio.com/legal
- type: Packages
  url: packages/montonio-packages.yml
- type: SDKs
  url: packages/montonio-packages.yml
- type: Components
  url: components/montonio-components.yml
- type: WellKnown
  url: well-known/montonio-well-known.yml
- type: MCPServer
  url: mcp/montonio-mcp.yml
- type: LLMsTxt
  url: llms/montonio-llms.txt
- type: Conformance
  url: conformance/montonio-conformance.yml
- type: ErrorCatalog
  url: errors/montonio-problem-types.yml
- type: DeclineCodes
  url: errors/montonio-decline-codes.yml
- type: Lifecycle
  url: lifecycle/montonio-lifecycle.yml
- type: DomainSecurity
  url: security/montonio-domain-security.yml
- type: Sandbox
  url: sandbox/montonio-sandbox.yml
- type: Conventions
  url: conventions/montonio-conventions.yml
- type: Idempotency
  url: conventions/montonio-conventions.yml
- type: DataModel
  url: data-model/montonio-data-model.yml
- type: Webhooks
  url: asyncapi/montonio-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml