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 is listed with 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 27 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

51.1/100 developing ▬ flat Agent 27/100 agent aware Front door AI 2/6 trace Heartbeat 94/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

2 APIs 3 Agent Skills

Company Fintech Payments Payment Processing Open Banking E-Commerce Shipping Logistics FinancingBalticsWebhook SDK

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 51.1/100 · developing

Contract Quality 8.3 / 21

Developer Ergonomics 12.4 / 17

Access Clarity 13.2 / 17

Operational Transparency 2.9 / 11

Contract Governance 0.5 / 10

Discoverability 6.2 / 9

Regulatory Posture 3.0 / 15

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 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 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 39.0 — up to +15.3 composite points
Contract Governance scores 4.5 — up to +11.5 composite points
Operational Transparency scores 26.3 — up to +9.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/montonio/apis.yml: open an issue on github.com/api-evangelist/montonio to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
EU/EEA Payment and E-Money Institutions (PSD2 passports)	mixed	47.4	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

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...

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Create and validate a Montonio Order

AGENT SKILL

Create a shipment and print a label

AGENT SKILL

Refund a Montonio Order idempotently

AGENT SKILL

Montonio API pricing

Prices published by Montonio, read 2026-10-28 from www.montonio.com/pricing.

Plan	Price
Starter	€11.99/month Includes: Cards 1.49% + €0.25; Bank payments €0.20; Refundable bank payments €0.20; Pay Later 2.90%; Montonio
Core	€14.99/month Includes: Cards 1.29% + €0.20; Bank payments €0.05; Refundable bank payments €0.15; Pay Later 2.49%; everythin
Core Flex	€39.99/month Includes: Cards 1.29% + €0.20; Bank payments €0.05; Refundable bank payments €0.15; Pay Later 2.49%; Direct ca
Custom	Contact sales Includes: Volume-based pricing, custom integrations, multi-IBAN payouts, dedicated account manager
Montonio for Shopify	€14.99 Includes: Bank payments 0.79% + €0.10; BLIK 0.99% + 0.10PLN; Pay Later 2.49%; Cards (EU consumer) 0.99% + €0.1
Payment links	€10/month Includes: Unlimited payment links per month
Dispute fee (card payments)	€20
Service reactivation fee	€5

Plan details, limits and sources →

Billed by: monthly fee · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Montonio Plans Pricing

8 plans

PLANS

Montonio Price Estimates

0 plans

PLANS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Montonio Finops

FINOPS

Event Specifications 1

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

Montonio Webhooks

ASYNCAPI

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

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Components

Conformance

ErrorCatalog

Lifecycle

Conventions

Idempotency

DataModel

Webhooks

Scroll for all 8

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

Packages

SDKs

DeclineCodes

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

Support

Support

HelpCenter

HelpCenter

StatusPage

StatusPage

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://cdn.prod.website-files.com/6745c818f143d246f266b299/68b9ab2dc787d1c75659148a_Frame%201%20(3).png
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Payments
- Payment Processing
- Open Banking
- E-Commerce
- Shipping
- Logistics
- Financing
- Baltics
- Webhook
- SDK
tags_raw:
- 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
  - Order
  - Refunds
  - Financing
  tags_raw:
  - 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: Plans
  url: plans/montonio-plans-pricing.yml
- 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: X-MCPServerCandidate
  url: mcp/montonio-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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

Montonio API — frequently asked questions

Does Montonio have an API?

Yes. APIs.io lists 2 APIs from Montonio, including Montonio Payments API (Stargate) and Montonio Shipping API (v2).

How do I authenticate with the Montonio API?

Montonio uses bearer-token authentication (http · 2 schemes). The details are profiled on APIs.io as Montonio Authentication.

How much does the Montonio API cost?

Montonio publishes its prices; its Starter plan is €11.99/month as of 2026-10-28. APIs.io lists 8 pricing plans for Montonio, with each plan's price, limits and inclusions under Pricing on this page.

Is the Montonio API ready for AI agents?

Montonio has a Kin Score of 51.1 out of 100 (developing) and an Agent Readiness score of 26.8 (agent-aware), scored by API Evangelist on 2026-11-06.

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