# Montonio

**Canonical:** https://apis.io/providers/montonio/  
**Website:** https://www.montonio.com  
**APIs profiled:** 2

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.

## Kin Score — 45.2 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 45.2).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 45.1 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 73.2 |
| Commercial Clarity | 38.2 |
| Access Clarity | 38.2 |

Regulatory layer — **Banking & Open Finance**: 31.6 (matched via tags).

## Agent readiness — 37.4 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| 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 |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (2)

- **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)

- **Montonio MCP Server**

## Security (2)

- **Montonio Authentication** — http · 2 schemes
- **Montonio Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Payments, Payment Processing, Open Banking, E-Commerce, Shipping, Logistics, Financing, Baltics, Webhook, SDK

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