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Read moreAccept 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
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
Your customers go from checkout to confirmation, in seconds!
See a demo
Product Benefits
We’ve built comprehensive API endpoints to retrieve financial data from your customers’ bank accounts
DirectPay is powered by Open Banking connections, standards, and expertise for innovation and security.
Customers can pay you across over 30+ financial institutions.
User identity is verified before payment and bank-grade encryption ensure customer credentials never pass through our system.
Testimonials
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.

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.

Peter Olusesan
CEO, Inflow
What you get in the DirectPay API
Start collecting direct bank payments with developer-friendly APIs
Pre-built connections to 50+ banks mean you can go from idea to live product in days, not months.
Get real-time transaction data, income patterns, and spending insights that help you assess risk and personalize experiences
Offer data-driven services that command higher pricing with access to rich, customer financial data.
Building with DirectPay
Mono is the open banking platform for the fastest-growing businesses in Africa.
More 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

Integrating The Product
Get access to secure and instant direct bank payments powered by Open Banking
Solving Problems
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.

Contact us
Let's talk about how Mono can power your business with seamless Open Banking payments.
Improve conversion
Win more customers
Increase revenue
Prevent fraud
Blog posts regarding Product
Answers to questions you may have about Mono DirectPay
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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.
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