> ## Documentation Index
> Fetch the complete documentation index at: https://docs.gr4vy.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Monato - SPEI

> Configure SPEI via Monato as a payment method in Gr4vy.

export const connector = {
  id: "monato-spei",
  displayName: "SPEI",
  provider: "Monato",
  method: "spei",
  mode: "redirect",
  category: "bank",
  features: "create_transaction custom_approval_expiration direct_capture direct_integration_create payment_method_tokenization redirect_requires_popup refunds requires_webhook_setup verify_credentials",
  supportedCountries: "MX",
  supportedCurrencies: "MXN"
};

export const ConnectorRegions = ({data, kind, name: nameOverride}) => {
  const [query, setQuery] = useState("");
  const [open, setOpen] = useState(false);
  const isCountries = kind === "countries";
  const raw = data && (isCountries ? data.supportedCountries : data.supportedCurrencies);
  const codes = typeof raw === "string" ? raw.split(/\s+/).filter(Boolean) : Array.isArray(raw) ? raw : [];
  const DISPLAY_NAME_OVERRIDES = {
    authorizenet: "Authorize.net",
    cardpointe: "CardPointe",
    cybersource: "Cybersource",
    dlocal: "dLocal",
    shift4i4go: "Shift4 i4go",
    tokenex: "TokenEx"
  };
  const rawName = data && data.displayName || "";
  const name = nameOverride || DISPLAY_NAME_OVERRIDES[rawName.toLowerCase()] || rawName || "This connector";
  const verb = isCountries ? "supports transactions from buyers in" : "supports processing payments in";
  const noun = isCountries ? "countries" : "currencies";
  if (codes.length === 0) return null;
  const unrestricted = codes.length >= (isCountries ? 200 : 150);
  const disclaimer = <p style={{
    opacity: 0.7,
    fontSize: "0.8125rem",
    marginTop: "0.75rem"
  }}>
      This list is for guidance only. It doesn't guarantee availability or
      create any rights, and the provider must also enable each of these {noun}{" "}
      for your account.
    </p>;
  let displayNames = null;
  try {
    displayNames = new Intl.DisplayNames(["en"], {
      type: isCountries ? "region" : "currency"
    });
  } catch (e) {
    displayNames = null;
  }
  const resolve = code => {
    if (!displayNames) return null;
    try {
      const resolved = displayNames.of(code);
      return resolved && resolved !== code ? resolved : null;
    } catch (e) {
      return null;
    }
  };
  const MAJOR_CURRENCIES = ["USD", "EUR", "GBP", "CAD", "AUD", "JPY", "CHF", "CNY", "SGD", "HKD", "NZD", "SEK", "NOK", "DKK", "MXN", "BRL", "INR"];
  const items = codes.map(code => ({
    code,
    label: resolve(code)
  }));
  if (isCountries) {
    items.sort((a, b) => (a.label || a.code).localeCompare(b.label || b.code));
  } else {
    const rank = code => {
      const i = MAJOR_CURRENCIES.indexOf(code);
      return i === -1 ? MAJOR_CURRENCIES.length : i;
    };
    items.sort((a, b) => rank(a.code) - rank(b.code) || a.code.localeCompare(b.code));
  }
  if (codes.length <= 3) {
    const parts = items.map(it => isCountries || !it.label ? it.label || it.code : `${it.label} (${it.code})`);
    const joined = parts.length === 1 ? parts[0] : parts.length === 2 ? `${parts[0]} and ${parts[1]}` : `${parts.slice(0, -1).join(", ")}, and ${parts[parts.length - 1]}`;
    return <div>
        <p>
          {name} {verb} {joined}.
        </p>
        {disclaimer}
      </div>;
  }
  const chipStyle = {
    display: "inline-flex",
    alignItems: "baseline",
    gap: "0.4rem",
    padding: "0.15rem 0.55rem",
    borderRadius: "0.375rem",
    border: "1px solid rgba(128, 128, 128, 0.25)",
    fontSize: "0.875rem",
    lineHeight: 1.5
  };
  const codeStyle = {
    fontFamily: "var(--font-mono, ui-monospace, monospace)",
    fontWeight: 600,
    fontSize: "0.8125rem"
  };
  const controlStyle = {
    color: "inherit",
    background: "transparent",
    border: "1px solid rgba(128, 128, 128, 0.3)",
    borderRadius: "0.5rem",
    fontSize: "0.875rem"
  };
  const renderChip = it => <span key={it.code} style={chipStyle} title={isCountries ? it.code : it.label || it.code}>
      {isCountries ? it.label || it.code : <span style={codeStyle}>{it.code}</span>}
      {!isCountries && it.label ? <span style={{
    opacity: 0.7
  }}>{it.label}</span> : null}
    </span>;
  const PREVIEW = 5;
  const collapsible = items.length > PREVIEW;
  const q = query.trim().toLowerCase();
  const filtered = q ? items.filter(it => it.code.toLowerCase().includes(q) || it.label && it.label.toLowerCase().includes(q)) : items;
  const expanded = open || q !== "";
  const visible = !collapsible ? items : expanded ? filtered : items.slice(0, PREVIEW);
  const toggle = () => {
    const next = !open;
    setOpen(next);
    if (!next) setQuery("");
  };
  return <div>
      {unrestricted ? <p>
          Gr4vy doesn't limit {name} to specific {noun}. Check with the provider
          which {noun} it supports for your account.
        </p> : <p>
          {name} {verb} the following {codes.length} {noun}:
        </p>}

      {collapsible ? <input type="text" value={query} onChange={e => setQuery(e.target.value)} placeholder={`Filter ${noun}…`} aria-label={`Filter ${noun}`} style={{
    ...controlStyle,
    display: "block",
    width: "100%",
    maxWidth: "22rem",
    padding: "0.4rem 0.7rem",
    margin: "0 0 0.75rem"
  }} /> : null}

      <div style={{
    display: "flex",
    flexWrap: "wrap",
    gap: "0.4rem"
  }}>
        {visible.map(renderChip)}
      </div>

      {q && filtered.length === 0 ? <p style={{
    opacity: 0.7,
    marginTop: "0.6rem"
  }}>
          No {noun} match “{query.trim()}”.
        </p> : null}
      {q && filtered.length > 0 ? <p style={{
    opacity: 0.6,
    fontSize: "0.8125rem",
    marginTop: "0.6rem"
  }}>
          Showing {filtered.length} of {items.length}.
        </p> : null}

      {collapsible && !q ? <button type="button" aria-expanded={open} onClick={toggle} style={{
    ...controlStyle,
    display: "inline-flex",
    alignItems: "center",
    gap: "0.4rem",
    padding: "0.35rem 0.75rem",
    marginTop: "0.75rem",
    cursor: "pointer"
  }}>
          <span aria-hidden="true" style={{
    display: "inline-block",
    transform: open ? "rotate(90deg)" : "none",
    transition: "transform 0.15s ease"
  }}>
            ›
          </span>
          {open ? "Show fewer" : `and ${items.length - PREVIEW} more`}
        </button> : null}

      {disclaimer}
    </div>;
};

export const ConnectorCapabilities = ({data}) => {
  const CAPABILITIES = [{
    keys: ["three_d_secure_pass_through"],
    label: "3-D Secure",
    description: "Gr4vy runs the 3DS authentication and sends the results to the provider on the authorization.",
    cardOnly: true
  }, {
    keys: ["three_d_secure_hosted"],
    label: "3-D Secure (provider-hosted)",
    description: "The provider runs the 3DS authentication itself, redirecting the buyer to its own page.",
    cardOnly: true
  }, {
    keys: ["partial_authorization"],
    label: "Partial authorization",
    description: "Support partial approval responses."
  }, {
    keys: ["zero_auth"],
    label: "Zero auth",
    description: "Verify a payment method without charging it."
  }, {
    keys: ["void"],
    label: "Void",
    description: "Cancel an authorized transaction before capture."
  }, {
    keys: ["incremental_authorization"],
    label: "Incremental authorization",
    description: "Increase the amount of an existing authorization before capture."
  }, {
    keys: ["direct_capture"],
    label: "Direct capture",
    description: "Capture a payment immediately at authorization.",
    hideWhenUnsupported: true
  }, {
    keys: ["delayed_capture"],
    label: "Delayed capture",
    description: "Authorize a payment and capture it at a later time."
  }, {
    keys: ["partial_capture"],
    label: "Partial capture",
    description: "Capture a portion of the authorized amount."
  }, {
    keys: ["over_capture"],
    label: "Over capture",
    description: "Capture more than the originally authorized amount."
  }, {
    keys: ["multi_capture"],
    label: "Multiple captures",
    description: "Capture one authorization in several partial captures."
  }, {
    keys: ["tracking_details"],
    label: "Shipment tracking",
    description: "Forward shipment tracking details to the provider on capture."
  }, {
    keys: ["refunds"],
    label: "Refunds",
    description: "Refund a captured payment."
  }, {
    keys: ["partial_refunds"],
    label: "Partial refunds",
    description: "Refund a portion of the captured amount."
  }, {
    keys: ["settlement_reporting"],
    label: "Settlement reporting",
    description: "Automatic settlement and reconciliation reporting."
  }, {
    keys: ["create_session"],
    label: "Create session",
    description: "Create a connector session for client-side flows."
  }, {
    keys: ["network_tokens_default", "network_tokens_toggle"],
    label: "Network tokens",
    description: "Network-level tokenization for improved approval rates.",
    cardOnly: true
  }, {
    keys: ["open_loop", "open_loop_toggle"],
    label: "Open loop",
    description: "Charge stored cards with card data from the Gr4vy vault, so merchant-initiated payments aren't tied to the connection that stored the card.",
    optionalKey: "open_loop_toggle",
    optionalNote: "Off by default. The provider must allow it before you turn it on for the connection.",
    cardOnly: true
  }, {
    keys: ["issuer_based_installments"],
    label: "Issuer installments",
    description: "Ask the issuer to split a single payment into installments with installment_count.",
    cardOnly: true,
    hideWhenUnsupported: true
  }, {
    keys: ["digital_wallets"],
    label: "Digital wallets",
    description: "Apple Pay, Google Pay, and other wallet integrations."
  }, {
    keys: ["payment_method_tokenization", "payment_method_tokenization_toggle"],
    label: "Payment method tokenization",
    description: "Store payment methods outside of transactions."
  }, {
    keys: ["transaction_sync"],
    label: "Transaction sync",
    description: "Synchronize transaction state from the connector."
  }, {
    keys: ["create_token"],
    label: "Tokenization",
    description: "Create a token from card details collected via Secure Fields.",
    hideWhenUnsupported: true
  }, {
    keys: ["delete_token"],
    label: "Delete token",
    description: "Delete a stored token.",
    hideWhenUnsupported: true
  }, {
    keys: ["verify_credentials"],
    label: "Verify credentials",
    description: "Validate the configured credentials against the connector.",
    hideWhenUnsupported: true
  }];
  const raw = data && data.features;
  const enabled = typeof raw === "string" ? new Set(raw.split(/\s+/).filter(Boolean)) : Array.isArray(raw) ? new Set(raw) : new Set(Object.keys(raw || ({})).filter(key => raw[key]));
  const isOn = entry => entry.keys.some(key => enabled.has(key));
  const isNonCard = data && data.method && data.method !== "card";
  const renderGroup = (title, entries, supported) => {
    if (entries.length === 0) return null;
    const mark = supported ? "✓" : "✕";
    const markColor = supported ? "#16a34a" : "#9ca3af";
    return <div style={{
      marginTop: "1rem"
    }}>
        <div style={{
      fontSize: "0.75rem",
      fontWeight: 600,
      letterSpacing: "0.05em",
      textTransform: "uppercase",
      opacity: 0.6,
      marginBottom: "0.25rem"
    }}>
          {title}
        </div>
        {}
        <div role="list">
          {entries.map(entry => <div role="listitem" key={entry.label} style={{
      display: "flex",
      gap: "0.5rem",
      alignItems: "baseline",
      padding: "0.3rem 0",
      opacity: supported ? 1 : 0.7
    }}>
              <span aria-hidden="true" style={{
      color: markColor,
      fontWeight: 700,
      flexShrink: 0
    }}>
                {mark}
              </span>
              <span>
                <strong>{entry.label}</strong>
                {entry.description ? <span style={{
      opacity: 0.85
    }}> — {entry.description}</span> : null}
                {supported && entry.optionalKey && entry.keys.every(key => key === entry.optionalKey || !enabled.has(key)) ? <span style={{
      opacity: 0.85
    }}> {entry.optionalNote}</span> : null}
              </span>
            </div>)}
        </div>
      </div>;
  };
  const visible = isNonCard ? CAPABILITIES.filter(entry => !entry.cardOnly) : CAPABILITIES;
  const supported = visible.filter(isOn);
  const unsupported = visible.filter(entry => !isOn(entry) && !entry.hideWhenUnsupported);
  return <div>
      {renderGroup("Supported", supported, true)}
      {renderGroup("Not supported", unsupported, false)}
      <p style={{
    opacity: 0.7,
    fontSize: "0.8125rem"
  }}>
        This list is for guidance only. It doesn't guarantee availability or
        create any rights, and the provider may need to enable some features for
        your account.
      </p>
    </div>;
};

export const ConnectorHeader = ({data, name: nameProp, method: methodName, logo, category: categoryProp, catalog, providers}) => {
  const [logoStage, setLogoStage] = useState(0);
  const [chipLogoFailed, setChipLogoFailed] = useState(false);
  const [anchors, setAnchors] = useState({});
  useEffect(() => {
    const found = {};
    for (const id of ["capabilities", "supported-countries", "supported-currencies", "supported-payment-methods"]) {
      found[id] = Boolean(document.getElementById(id));
    }
    setAnchors(found);
  }, []);
  const hasData = Boolean(data && data.id);
  if (!hasData && !(nameProp && logo)) return null;
  const CATEGORY_LABELS = {
    card: "Cards",
    bank: "Banking",
    bnpl: "BNPL",
    cash: "Cash vouchers",
    crypto: "Crypto",
    wallet: "Wallets",
    tokenization: "Tokenization"
  };
  const DISPLAY_NAME_OVERRIDES = {
    authorizenet: "Authorize.net",
    cardpointe: "CardPointe",
    cybersource: "Cybersource",
    dlocal: "dLocal",
    shift4i4go: "Shift4 i4go",
    tokenex: "TokenEx",
    "worldine travelhub": "Worldline TravelHub"
  };
  const HIGHLIGHTS = [{
    keys: ["three_d_secure_pass_through", "three_d_secure_hosted"],
    label: "3-D Secure",
    cardOnly: true
  }, {
    keys: ["network_tokens_default", "network_tokens_toggle"],
    label: "Network tokens",
    cardOnly: true
  }, {
    keys: ["digital_wallets"],
    label: "Digital wallets"
  }, {
    keys: ["delayed_capture"],
    label: "Delayed capture"
  }, {
    keys: ["partial_capture"],
    label: "Partial capture"
  }, {
    keys: ["refunds"],
    label: "Refunds"
  }, {
    keys: ["partial_refunds"],
    label: "Partial refunds"
  }, {
    keys: ["zero_auth"],
    label: "Zero auth"
  }, {
    keys: ["settlement_reporting"],
    label: "Settlement reporting"
  }];
  const d = hasData ? data : {};
  const method = d.method || "";
  const provider = !hasData ? "" : method && d.id.endsWith(`-${method}`) ? d.id.slice(0, -(method.length + 1)) : d.id.split("-")[0];
  const fix = value => DISPLAY_NAME_OVERRIDES[(value || "").toLowerCase()] || value || "";
  const name = fix(d.provider) || nameProp || fix(d.displayName) || provider;
  const displayName = fix(d.displayName);
  const productName = !hasData ? "" : method === "card" ? d.provider ? displayName : "" : methodName || (d.provider && displayName !== name ? displayName : "");
  const methodLed = Boolean(productName);
  const cardProduct = methodLed && method === "card";
  const category = categoryProp || (method === "card" && !cardProduct ? "" : CATEGORY_LABELS[d.category] || "");
  const flowLabel = d.category !== "bank" ? "" : d.mode === "bank" ? "Stored in Gr4vy" : d.mode === "redirect" ? "Redirect" : "";
  const providerLogo = hasData ? `/assets/connectors/providers/${provider}.svg` : logo;
  const methodLogo = `/assets/connectors/methods/${method}.svg`;
  const title = methodLed ? productName : name;
  const chipLabel = !hasData ? "" : methodLed ? `via ${name}` : methodName;
  const chipLogo = cardProduct ? "" : methodLed ? providerLogo : methodLogo;
  const logos = methodLed && !cardProduct ? [methodLogo, providerLogo] : [providerLogo];
  const primaryLogo = logos[logoStage] || null;
  const enabled = new Set((d.features || "").split(/\s+/).filter(Boolean));
  const highlights = HIGHLIGHTS.filter(h => !(h.cardOnly && method !== "card") && h.keys.some(k => enabled.has(k)));
  const codes = value => (value || "").split(/\s+/).filter(Boolean);
  const providerSet = new Set(codes(providers));
  const members = !hasData && catalog && providerSet.size > 0 ? catalog.filter(e => providerSet.has(e.provider)) : [];
  const union = key => new Set(members.flatMap(e => codes(e[key]))).size;
  const methodsCount = members.length;
  const countries = hasData ? codes(d.supportedCountries).length : union("countries");
  const currencies = hasData ? codes(d.supportedCurrencies).length : union("currencies");
  const border = "1px solid rgba(128, 128, 128, 0.2)";
  const labelStyle = {
    fontSize: "0.6875rem",
    fontWeight: 600,
    letterSpacing: "0.05em",
    textTransform: "uppercase",
    opacity: 0.6
  };
  const chipStyle = {
    display: "inline-flex",
    alignItems: "center",
    gap: "0.3rem",
    padding: "0.1rem 0.5rem",
    borderRadius: "999px",
    border,
    fontSize: "0.8125rem",
    whiteSpace: "nowrap"
  };
  const renderStat = (label, value, anchor) => <a href={anchors[anchor] ? `#${anchor}` : undefined} style={{
    display: "flex",
    flexDirection: "column",
    gap: "0.1rem",
    textDecoration: "none",
    borderBottom: "none",
    color: "inherit",
    minWidth: "6rem"
  }}>
      <span style={labelStyle}>{label}</span>
      <span style={{
    fontSize: "1.25rem",
    fontWeight: 600
  }}>{value}</span>
    </a>;
  return <div className="not-prose" style={{
    border,
    borderRadius: "0.75rem",
    padding: "1.25rem",
    margin: "1rem 0 1.5rem",
    display: "flex",
    flexDirection: "column",
    gap: "1rem"
  }}>
      <div style={{
    display: "flex",
    alignItems: "center",
    gap: "1rem"
  }}>
        {primaryLogo ? <img src={primaryLogo} alt={`${title} logo`} width="56" height="56" onError={() => setLogoStage(logoStage + 1)} style={{
    width: "3.5rem",
    height: "3.5rem",
    borderRadius: "0.5rem",
    margin: 0,
    flexShrink: 0
  }} /> : <span aria-hidden="true" style={{
    width: "3.5rem",
    height: "3.5rem",
    borderRadius: "0.5rem",
    border,
    display: "flex",
    alignItems: "center",
    justifyContent: "center",
    fontSize: "1.5rem",
    fontWeight: 600,
    flexShrink: 0
  }}>
            {title.charAt(0).toUpperCase()}
          </span>}
        <div style={{
    display: "flex",
    flexDirection: "column",
    gap: "0.35rem",
    minWidth: 0
  }}>
          <span style={{
    fontSize: "1.25rem",
    fontWeight: 600,
    lineHeight: 1.2
  }}>{title}</span>
          <span style={{
    display: "flex",
    flexWrap: "wrap",
    gap: "0.4rem",
    alignItems: "center"
  }}>
            {chipLabel ? <span style={chipStyle}>
                {chipLogoFailed || !chipLogo ? null : <img src={chipLogo} alt="" width="16" height="16" onError={() => setChipLogoFailed(true)} style={{
    width: "1rem",
    height: "1rem",
    borderRadius: "0.2rem",
    margin: 0
  }} />}
                {chipLabel}
              </span> : null}
            {category ? <span style={{
    ...chipStyle,
    opacity: 0.75
  }}>{category}</span> : null}
            {flowLabel ? <span style={{
    ...chipStyle,
    opacity: 0.75
  }}>{flowLabel}</span> : null}
          </span>
        </div>
      </div>

      {methodsCount > 0 || countries > 0 || currencies > 0 || highlights.length > 0 ? <div style={{
    display: "flex",
    flexWrap: "wrap",
    gap: "1rem 2rem",
    paddingTop: "1rem",
    borderTop: border
  }}>
        {methodsCount > 0 ? renderStat("Payment methods", methodsCount, "supported-payment-methods") : null}
        {}
        {countries > 0 ? renderStat("Countries", countries >= 200 ? "No limit" : countries, "supported-countries") : null}
        {currencies > 0 ? renderStat("Currencies", currencies >= 150 ? "No limit" : currencies, "supported-currencies") : null}
        {highlights.length > 0 ? <div style={{
    display: "flex",
    flexDirection: "column",
    gap: "0.35rem",
    flex: "1 1 16rem"
  }}>
            <span style={labelStyle}>Highlights</span>
            <span style={{
    display: "flex",
    flexWrap: "wrap",
    gap: "0.35rem"
  }}>
              {highlights.map(h => <span key={h.label} style={chipStyle}>
                  <span aria-hidden="true" style={{
    color: "#16a34a",
    fontWeight: 700
  }}>✓</span>
                  {h.label}
                </span>)}
              {anchors.capabilities ? <a href="#capabilities" style={{
    ...chipStyle,
    borderStyle: "dashed",
    textDecoration: "none",
    color: "inherit"
  }}>
                  All capabilities →
                </a> : null}
            </span>
          </div> : null}
      </div> : null}
    </div>;
};

<ConnectorHeader data={connector} name="Monato" method="SPEI" />

Monato supports SPEI as a redirect payment method in Mexico.

## Setup

Monato does not provide self-service sandbox sign-up. Contact [Monato](https://www.monato.com/) to create your account and enable SPEI.

## Credentials

When you configure Monato SPEI in the dashboard, provide the following credentials.

* **Client ID** (`client_id`): Monato client ID.
* **Client Secret** (`client_secret`): Monato client secret.
* **API Key** (`api_key`): API key for Monato credential token access.
* **Approval URL** (`approval_url`, optional): Custom URL for the approval experience when you pass `connection_options`.

If you do not provide `approval_url`, Gr4vy uses the hosted approval page.

## Capabilities

<ConnectorCapabilities data={connector} />

## Supported countries

<ConnectorRegions data={connector} kind="countries" />

## Supported currencies

<ConnectorRegions data={connector} kind="currencies" />

## Integration

Monato SPEI uses a redirect flow.

### Redirect integration

Create a transaction with the required fields.

<CodeGroup>
  ```csharp C# theme={"system"}
  var transaction = await client.Transactions.CreateAsync(
    transactionCreate: new TransactionCreate()
    {
      Amount = 1299,
      Currency = "MXN",
      Country = "MX",
      PaymentMethod =
        TransactionCreatePaymentMethod.CreateRedirectPaymentMethodCreate(
          new RedirectPaymentMethodCreate()
          {
            Method = "spei",
            Country = "MX",
            Currency = "MXN",
            RedirectUrl = "https://example.com/callback",
          }
        ),
    }
  );
  ```

  ```go Go theme={"system"}
  amount := int64(1299)
  currency := "MXN"
  country := "MX"
  method := components.RedirectPaymentMethodCreateMethodSpei
  redirectUrl := "https://example.com/callback"

  redirectPaymentMethodCreate := components.RedirectPaymentMethodCreate{
    Method: method,
    Country: country,
    Currency: currency,
    RedirectURL: redirectUrl,
  }
  paymentMethod := components.CreateTransactionCreatePaymentMethodRedirectPaymentMethodCreate(redirectPaymentMethodCreate)

  transactionCreate := components.TransactionCreate{
    Amount:        amount,
    Currency:      currency,
    Country:       &country,
    PaymentMethod: &paymentMethod,
  }

  transaction, err := client.Transactions.Create(ctx, transactionCreate, nil, nil, nil)
  ```

  ```java Java theme={"system"}
  CreateTransactionResponse transactionResponse = gr4vyClient.transactions().create()
    .transactionCreate(TransactionCreate.builder()
      .amount(1299L)
      .currency("MXN")
      .country("MX")
      .paymentMethod(TransactionCreatePaymentMethod.of(RedirectPaymentMethodCreate.builder()
        .method(RedirectPaymentMethodCreateMethod.SPEI)
        .country("MX")
        .currency("MXN")
        .redirectUrl("https://example.com/callback")
        .build()))
      .build())
    .call();

  Transaction transaction = transactionResponse.transaction().orElse(null);
  ```

  ```php PHP theme={"system"}
  $transactionCreate = new TransactionCreate(
    amount: 1299,
    currency: 'MXN',
    country: 'MX',
    paymentMethod: new RedirectPaymentMethodCreate(
      method: 'spei',
      country: 'MX',
      currency: 'MXN',
      redirectUrl: 'https://example.com/callback'
    )
  );
  $response = self::$sdk->transactions->create($transactionCreate);
  $transaction = $response->transaction;
  ```

  ```python Python theme={"system"}
  transaction: models.Transaction = client.transactions.create(
    amount=1299,
    currency="MXN",
    country="MX",
    payment_method={
      "method": "spei",
      "country": "MX",
      "currency": "MXN",
      "redirect_url": "https://example.com/callback",
    }
  )
  ```

  ```ts TypeScript theme={"system"}
  const transaction = await gr4vy.transactions.create({
    amount: 1299,
    currency: "MXN",
    country: "MX",
    paymentMethod: {
      method: "spei",
      country: "MX",
      currency: "MXN",
      redirectUrl: "https://example.com/callback"
    }
  })
  ```
</CodeGroup>

After you create a transaction, the API response includes `payment_method.approval_url` and a `processing` status.

```json theme={"system"}
{
  "type": "transaction",
  "status": "processing",
  "payment_method": {
    "type": "payment-method",
    "approval_url": "https://..."
  },
  "method": "spei"
}
```

Use `payment_method.approval_url` to show the approval UI in a popup, iframe, or redirect. Approval links expire after 7 days.

### Recurring payments

Monato SPEI supports payment method tokenization for recurring payments.

A transaction without a stored payment method gets its own CLABE, which Gr4vy reconciles automatically. A stored payment method reuses one CLABE for every charge, so recurring payments need the extra reconciliation step described in [Recurring caveats](#recurring-caveats).

To set up recurring payments:

* Store the payment method during the first SPEI transaction by setting `store: true`.
* Create subsequent charges with the stored `payment_method.id` and set `is_subsequent_payment`, `merchant_initiated`, and `payment_source`.

Use the following pattern for subsequent recurring charges.

<CodeGroup>
  ```csharp C# theme={"system"}
  var transaction = await client.Transactions.CreateAsync(
    transactionCreate: new TransactionCreate()
    {
      Amount = 1299,
      Currency = "MXN",
      Country = "MX",
      Intent = "capture",
      PaymentMethod = TransactionCreatePaymentMethod.CreateTokenPaymentMethodCreate(
        new TokenPaymentMethodCreate()
        {
          Id = "f758d736-9a81-4bd0-85a9-2d3ee361b863"
        }
      ),
      IsSubsequentPayment = true,
      MerchantInitiated = true,
      PaymentSource = "recurring"
    }
  );
  ```

  ```go Go theme={"system"}
  amount := int64(1299)
  currency := "MXN"
  country := "MX"
  paymentSource := components.TransactionPaymentSourceRecurring

  tokenPaymentMethodCreate := components.TokenPaymentMethodCreate{
    ID:     "f758d736-9a81-4bd0-85a9-2d3ee361b863",
  }
  paymentMethod := components.CreateTransactionCreatePaymentMethodTokenPaymentMethodCreate(tokenPaymentMethodCreate)

  transactionCreate := components.TransactionCreate{
    Amount:              amount,
    Currency:            currency,
    Country:             &country,
    Intent:              gr4vy.Pointer(components.TransactionIntentCapture),
    PaymentMethod:       &paymentMethod,
    IsSubsequentPayment: gr4vy.Bool(true),
    MerchantInitiated:   gr4vy.Bool(true),
    PaymentSource:       &paymentSource,
  }

  transaction, err := client.Transactions.Create(ctx, transactionCreate, nil, nil, nil)
  ```

  ```java Java theme={"system"}
  CreateTransactionResponse transactionResponse = gr4vyClient.transactions().create()
    .transactionCreate(TransactionCreate.builder()
      .amount(1299L)
      .currency("MXN")
      .country("MX")
      .intent(TransactionIntent.CAPTURE)
      .paymentMethod(TransactionCreatePaymentMethod.of(TokenPaymentMethodCreate.builder()
        .id("f758d736-9a81-4bd0-85a9-2d3ee361b863")
        .build()))
      .isSubsequentPayment(true)
      .merchantInitiated(true)
      .paymentSource(TransactionPaymentSource.RECURRING)
      .build())
    .call();

  Transaction transaction = transactionResponse.transaction().orElse(null);
  ```

  ```php PHP theme={"system"}
  $transactionCreate = new TransactionCreate(
    amount: 1299,
    currency: 'MXN',
    country: 'MX',
    intent: 'capture',
    paymentMethod: new TokenPaymentMethodCreate(
      id: 'f758d736-9a81-4bd0-85a9-2d3ee361b863'
    ),
    isSubsequentPayment: true,
    merchantInitiated: true,
    paymentSource: 'recurring'
  );
  $response = self::$sdk->transactions->create($transactionCreate);
  $transaction = $response->transaction;
  ```

  ```python Python theme={"system"}
  transaction: models.Transaction = client.transactions.create(
    amount=1299,
    currency="MXN",
    country="MX",
    intent="capture",
    payment_method=models.TokenPaymentMethodCreate(
      id="f758d736-9a81-4bd0-85a9-2d3ee361b863"
    ),
    is_subsequent_payment=True,
    merchant_initiated=True,
    payment_source="recurring"
  )
  ```

  ```ts TypeScript theme={"system"}
  const transaction = await gr4vy.transactions.create({
    amount: 1299,
    currency: "MXN",
    country: "MX",
    intent: "capture",
    paymentMethod: {
      method: "id",
      id: "f758d736-9a81-4bd0-85a9-2d3ee361b863"
    },
    isSubsequentPayment: true,
    merchantInitiated: true,
    paymentSource: "recurring"
  })
  ```
</CodeGroup>

Because this connector requires webhooks, confirm webhook delivery is active before you rely on recurring status updates.

#### Recurring caveats

When you implement recurring payments with Monato SPEI, keep these caveats in mind.

1. For one-off transactions, `payment_service_transaction_id` is the CLABE value.
2. For recurring transactions, `payment_service_transaction_id` is the CLABE plus the Gr4vy transaction ID. This combination gives each recurring transaction a unique value, because SPEI does not provide a stable unique transaction ID.
3. Because of this format, Gr4vy can not automatically reconcile recurring webhooks from SPEI. You should proxy `MONEY_IN` events, find the matching transaction in Gr4vy, and then include `transaction_id` in the webhook body you send to Gr4vy.

Use the following payload pattern when you proxy `MONEY_IN` for recurring transactions.

```json theme={"system"}
{
  "id_msg": "a7a126e8-fa74-411c-ad2b-b000f277bb0d",
  "msg_name": "MONEY_IN",
  "msg_date": "2029-04-02",
  "body": {
    "id": "0196da9a-8947-703e-9a3b-bf8c7d9f6059",
    "beneficiary_account": "646180529600044117",
    "beneficiary_name": "John Smith",
    "beneficiary_rfc": "XYZ123456789",
    "payer_account": "137180210044008609",
    "payer_name": "Juan Perez",
    "payer_rfc": "XYZ987654321",
    "payer_institution": "40002",
    "amount": "123.00",
    "transaction_date": "20250402",
    "tracking_key": "50118609TBRNZ00I07219647",
    "payment_concept": "Payment for invoice 4567",
    "numeric_reference": "2504021",
    "transaction_id": "f0894971-7898-4c70-a10e-a7aa65d515b8"
  }
}
```

## Custom expiration date

By default, Monato SPEI approval links expire after 7 days. You can set a custom expiration per transaction using the top-level `approval_expires_at` field on the transaction request. The value must be a future datetime in ISO 8601 format.

<Note>
  Monato SPEI does not pass the expiration date to the PSP. The value is stored in Gr4vy and used to manage the transaction lifecycle on the platform side.
</Note>

<CodeGroup>
  ```csharp C# highlight={6} theme={"system"}
  var transaction = await client.Transactions.CreateAsync(
    transactionCreate: new TransactionCreate()
    {
      Amount = 1299,
      Currency = "MXN",
      ApprovalExpiresAt = DateTimeOffset.Parse("2026-04-10T23:59:59Z"),
      PaymentMethod =
        TransactionCreatePaymentMethod.CreateRedirectPaymentMethodCreate(
          new RedirectPaymentMethodCreate()
          {
            Method = "spei",
            Country = "MX",
            Currency = "MXN",
            RedirectUrl = "https://example.com/callback",
          }
        ),
    }
  );
  ```

  ```go Go highlight={6} theme={"system"}
  transactionCreate := components.TransactionCreate{
    Amount:            amount,
    Currency:          currency,
    Country:           &country,
    PaymentMethod:     &paymentMethod,
    ApprovalExpiresAt: gr4vy.Time(time.Date(2026, 4, 10, 23, 59, 59, 0, time.UTC)),
  }

  transaction, err := client.Transactions.Create(ctx, transactionCreate, nil, nil, nil)
  ```

  ```java Java highlight={5} theme={"system"}
  CreateTransactionResponse transactionResponse = gr4vyClient.transactions().create()
    .transactionCreate(TransactionCreate.builder()
      .amount(1299L)
      .currency("MXN")
      .approvalExpiresAt(OffsetDateTime.parse("2026-04-10T23:59:59Z"))
      .paymentMethod(TransactionCreatePaymentMethod.of(RedirectPaymentMethodCreate.builder()
        .method(RedirectPaymentMethodCreateMethod.SPEI)
        .country("MX")
        .currency("MXN")
        .redirectUrl("https://example.com/callback")
        .build()))
      .build())
    .call();
  ```

  ```php PHP highlight={5} theme={"system"}
  $transactionCreate = new TransactionCreate(
    amount: 1299,
    currency: 'MXN',
    country: 'MX',
    approvalExpiresAt: new \DateTime('2026-04-10T23:59:59Z'),
    paymentMethod: new RedirectPaymentMethodCreate(
      method: 'spei',
      country: 'MX',
      currency: 'MXN',
      redirectUrl: 'https://example.com/callback'
    )
  );
  $response = self::$sdk->transactions->create($transactionCreate);
  ```

  ```python Python highlight={5} theme={"system"}
  transaction: models.Transaction = client.transactions.create(
    amount=1299,
    currency="MXN",
    country="MX",
    approval_expires_at=datetime(2026, 4, 10, 23, 59, 59, tzinfo=timezone.utc),
    payment_method={
      "method": "spei",
      "country": "MX",
      "currency": "MXN",
      "redirect_url": "https://example.com/callback",
    }
  )
  ```

  ```ts TypeScript highlight={5} theme={"system"}
  const transaction = await gr4vy.transactions.create({
    amount: 1299,
    currency: "MXN",
    country: "MX",
    approvalExpiresAt: new Date("2026-04-10T23:59:59Z"),
    paymentMethod: {
      method: "spei",
      country: "MX",
      currency: "MXN",
      redirectUrl: "https://example.com/callback"
    }
  })
  ```
</CodeGroup>

## Webhooks

This connector requires webhooks. Contact Monato support to configure webhook delivery.

Monato sends `MONEY_IN` when a payment is captured.

## Testing

Contact Monato support and request a SPEI test transaction (`MONEY_IN`) using the CLABE from the payment session flow.


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