NEWIntroducing the new Mono Dashboard

Accept instant payments without friction

Accept secure and fast bank payments directly from your customers’ bank accounts—no cards, no manual entry—powered by Open Banking

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Building with Mono DirectPay

Built for modern commerce

Mono DirectPay takes the friction from checkout and gives your customers a seamless payment experience that boosts revenue and retains users.

More secure transactions

All transactions use Open Banking standards with bank-grade encryption. Reduce payment fraud seamlessly.

Lower transaction costs

Pay significantly less per transaction compared to card networks. Bank-to-bank transfers cut out intermediaries, saving you money on every sale.

70% higher success rates

Eliminate declined cards and payment failures. Bank account payments dramatically improving your conversion rates.

Making Bank To Bank Payments

Checkout that just works

Your customers go from checkout to confirmation, in seconds!

See a demo

Product Benefits

Why DirectPay

We’ve built comprehensive API endpoints to retrieve financial data from your customers’ bank accounts

Open Banking powerhouse

DirectPay is powered by Open Banking connections, standards, and expertise for innovation and security.

Robust payment rails

Customers can pay you across over 30+ financial institutions.

Bank-grade security

User identity is verified before payment and bank-grade encryption ensure customer credentials never pass through our system.

Testimonials

From businesses using DirectPay

We can trust Mono over 90% of the time which is better than our previous provider. This ease & reliability are our favourite things about Mono.
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Barima Effah-Adjei

CEO, Float

Migrating to Mono was seamless... Mono's customer support efforts have helped us to create a much better UX for our users.
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Peter Olusesan

CEO, Inflow

What you get in the DirectPay API

What’s in DirectPay

Start collecting direct bank payments with developer-friendly APIs

Payment initiation API

Pre-built connections to 50+ banks mean you can go from idea to live product in days, not months.

Payment status

Get real-time transaction data, income patterns, and spending insights that help you assess risk and personalize experiences

Settlement split

Offer data-driven services that command higher pricing with access to rich, customer financial data.

Building with DirectPay

Put the delight in any payment scenario

Mono is the open banking platform for the fastest-growing businesses in Africa.

E-commerce & Online retail

Enable best-in-class instant checkout for your customers. Perfect for purchases of all values, with direct bank payments over cards.

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Invoicing

Make it easier for clients to pay you the fastest and most seamless payment experience.

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Account top-ups & investments

Enable your users top up their wallets and investment accounts with ease.

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More ways to use DirectPay

Other ways to use DirectPay

More ways to access financial data.

No-code
DirectPay Pages

Your customers authenticate with Mono before payment is approved, reducing fraud risk and increasing transaction success rates.

Statement Pages
Statement Pages interface on mobile

Integrating The Product

Getting started with DirectPay

Get access to secure and instant direct bank payments powered by Open Banking

Powerful APIs and easy-to-use resources

Solving Problems

Build with best-in-class Open Banking APIs

Create an account

Connect to millions of customers across Africa:over 10+ million users have connected a financial account.

Meet your customers where they are:Connect across multiple institutions with access to over 50+ bank connections

Maintain data privacy with Open Banking standards:all connections are user permission-based only.

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Contact us

Ready to modernize your payment collections?

Let's talk about how Mono can power your business with seamless Open Banking payments.

Blog posts regarding Product

Learn more about DirectPay

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Direct Debit

How BNPL services can build a robust risk assessment process with Mono

Read more

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Prove

Validate customers’ identity and personal data

Read more

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Mandate

Introducing the new Statement PDF layout

Read more

FAQs

Answers to questions you may have about Mono DirectPay

Start building with Mono today

© Mono Technologies Nigeria Limited

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Disclaimer:
The information provided on this website is intended for general informational purposes only and does not constitute financial, legal, or professional advice. While we strive to ensure that the content presented is accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

Our platform is designed to ensure secure access to financial accounts for the purposes of retrieving statements, monitoring transactions in real-time, and verifying customer identities. Despite our use of advanced security protocols to protect sensitive information, we cannot guarantee the absolute security of your data. Users are advised to independently verify the accuracy and completeness of all information obtained through our services before making any financial or business decisions.

Furthermore, while we endeavor to keep the website running smoothly, we take no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

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