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Modern businesses need modern payment solutions. Customers expect speed, clarity and convenience, and having the right technology partner to enable this can make all the difference.
If you’re not building a payments infrastructure in-house, you need a solution that’s reliable, responsive and simple to integrate with the systems you already use.
Monoova’s payments APIs have been shaped with those priorities in mind, helping lenders, SaaS platforms, eCommerce businesses, marketplaces and more to move money seamlessly at scale.
From Fragmented Builds to a Unified API
Monoova’s technology journey began almost a decade ago with client-specific builds for industries as varied as pharmacy, education and parcel delivery. Each project demanded its own bespoke API, but common threads emerged over time — most clients needed the same core functions, just applied in different contexts.
To respond to this, the technical team consolidated these fragmented builds into a single, streamlined Open API designed to meet the needs of multiple industries and empower scalability. That foundation evolved to become Monoova, which since inception has processed over $170 Billion Australian dollars, and has an uncompromising focus on accuracy and quality.
What Makes Monoova’s API Developer-Friendly
Monoova’s API has been deliberately shaped to minimise complexity and maximise usability. The internal team has always taken a strategic and highly curated approach, carefully reviewing each upgrade and feature request to maintain the simplicity of the core system.
The development team also prioritises architectural integrity, working ahead of product roadmaps to anticipate demand and ensure the platform is ready to scale.
This clarity is one reason Monoova’s API consistently receives positive feedback from external developers. It’s also what enables clients to rapidly deploy real-time payment solutions like PayTo, PayID and BPAY quickly and reliably, all through a single integration.
Monoova’s skilled development team follows a clear sprint schedule to regularly launch new features and/or upgrades that stem from clear business cases and reflect the latest industry trends. These are refined in close collaboration with product managers, business advisors and engineering leads before being integrated into ongoing sprints.
Behind every release is a firm focus on performance, security and scalability, which is essential for a platform that handles high daily volumes and needs to maintain near-zero error rates.
Key Features Shaping Smarter Payments
Monoova’s capabilities are continually evolving and the last 12 months have seen a number of high-impact features go live or enter final testing:
PayTo integration
Real-time, account-to-account payments with built-in validation and automation, now live at scale
Scheduled and recurring payments
Giving businesses greater control over future-dated transactions and billing cycles
Ledger accounts & reconciliation
Enabling isolated virtual accounts for large purchases and escrow-like use cases.
Confirmation of Payee
Adding another layer of fraud protection by confirming account ownership before transactions are made. Read more about CoP here.
Credit Card Capabilities
American Express payments are being added to Monoova’s existing credit card capabilities in response to client demand
Global payments
Enabling a seamless FX deal booking experience that can be integrated directly within a third party platform.
WooCommerce Payment Plugin
Monoova’s WooCommerce plugin unlocks more payment options, faster settlement times and fully automated payment reconciliation. Read more about this Woo plugin.
Monoova continues to update and refine these features, responding to real-world usage while ensuring the API remains straightforward and easy to implement.
Documentation, Sandbox & Support for Developers
The process to get started with Monoova is designed with simplicity in mind. Developers can:
- Access a well-documented API with clear explanations, real-world examples and code snippets
- Review developer FAQs for further information
- Test workflows in a dedicated sandbox environment built to simulate production
- Reach out to a locally-based support team who can troubleshoot and clarify integration pathways
The development team remains responsive through structured internal support channels, often stepping in to help with complex or technical queries.
Case Study: Powering Peer-to-Peer Payments with CarGroup
Australia’s hugely successful Car Group (known to consumers as carsales.com.au) connected with Monoova to solve a major pain point in the private vehicle market and make high-value payments between buyers and sellers simple, secure and fast.
The team at Car Group was looking for a partner that could match their pace, align with their customer-first approach and deliver the infrastructure for a seamless experience.
Monoova’s API delivered. By integrating real-time payments, transaction-level visibility and ledger wallets, Car Group was able to create a purpose-built solution that now underpins private sales across the carsales platform.
“We spoke to lots of different fintechs and also some of the more traditional players in the banking space. We were looking for someone who could move quickly, who was on board with our vision, but also had credibility in the market. Trust for safety is extremely important for carsales. So we were looking for a partner that really valued those same things. In the end, it was the capabilities of the Monoova team that really helped us make that decision”. - Nicholas van den Brink, Head of Product, New Ventures at Car Group
Since launching, the solution has already facilitated over $30 million in peer-to-peer transactions, helping customers buy and sell safely with speed and confidence.
Read more about Monoova’s partnership with Car Group
More Monoova client case studies here.
Future-Proof Payment Infrastructure with Monoova
Integrate industry-leading payment technology with the help of a simple but powerful API
Monoova’s API is a plug-and-play solution designed to remove complexity from payment workflows, giving users the building blocks to move money with speed, confidence and control.
The platform is industry agnostic yet deeply configurable, making it easy to adapt to unique business models without starting from scratch. With features like PayTo, ledger accounts, scheduled payments and automated reconciliation all available via a single API, it’s a future-ready foundation for any business that moves money.
Build smarter with Monoova’s API. Power real-time payments, simplify integration and scale confidently. Talk to our team.
Frequently Asked Questions
Q: What is Monoova’s API used for?
A: To enable real-time, scalable payment solutions across industries like SaaS, eCommerce,and lending.
Q: Why do developers prefer Monoova’s API?
A: It’s simple, unified, and backed by strong documentation and support.
Q: What features are available in Monoova’s API?
A: PayTo, PayID, BPAY, scheduled payments, ledger accounts and more.
Q: Can I test Monoova’s API before launch?
A: Yes, you can use the sandbox environment to simulate live workflows.
Q: Does Monoova provide developer support?
A:Yes, a local support team assists with complex queries and integrations
