Monoova
Monoova is an Australian payments platform that lets businesses receive, manage, and pay funds in AUD across every domestic rail through a single set of RESTful JSON APIs. Operated by Monoova Global Payments Pty Ltd (AFSL 421414) and enrolled with AUSTRAC, it connects directly to the New Payments Platform (real-time account-to-account transfers via NPP/Osko, PayID addressing, and PayTo mandated debits) alongside BPAY, direct entry (credit/debit), card acquiring, and Apple Pay / Google Pay. Its Automatcher reconciliation engine, virtual mAccount/mWallet hierarchies, Confirmation of Payee, account verification, payment tokenisation, and webhook-driven reporting target fintechs, marketplaces, payroll, lending, remittance, and SaaS businesses (customers include Wise, Nium, Finder, and Sharesies). Monoova is genuinely API-first: it ships a public developer portal, a Redoc API reference, downloadable OpenAPI specifications, and a public Postman workspace, plus a free self-serve sandbox.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Monoova the way a machine reads it — 39 machine-readable artifacts across 3 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Monoova scores 52.8/100 (developing), with a separate agent-readiness read of 32/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
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How we profile Monoova
Each block below is one kind of artifact we hold for Monoova. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 31
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Monoova Automatcher (Bank Account Receivables) API
Overview
Having customers paying you by bank transfer might be easy for your customers but contains a reconciliation risk for you. If your customer mistypes or fo...
Monoova BPAY API
Overview
The BPAY APIs do not perform any financial transactions and are used to validate BPAY information that is used in theMonoova Create Payment Using Token API
The Create Payment Using Token API from Monoova — 1 operation(s) for create payment using token.
Monoova Financial API
Overview
The Financial APIs enable you to process credits and debits, including transferring funds within Monoova to a Ledger Account, an mWallet (for BPAY transa...
Monoova Generate a Bearer Token API
The Generate a Bearer Token API from Monoova — 1 operation(s) for generate a bearer token.
Monoova Generate a Client Session API
The Generate a Client Session API from Monoova — 1 operation(s) for generate a client session.
Monoova Get Async Request Status API
The Get Async Request Status API from Monoova — 1 operation(s) for get async request status.
Monoova Get Payment Method Token Details API
The Get Payment Method Token Details API from Monoova — 1 operation(s) for get payment method token details.
Monoova Get Transaction By Date Range API
The Get Transaction By Date Range API from Monoova — 1 operation(s) for get transaction by date range.
Monoova Get Transaction By Id API
The Get Transaction By Id API from Monoova — 1 operation(s) for get transaction by id.
Monoova Initiate a Payment API
Once a payment agreement is created you can trigger payments against it
Monoova Ledger Account API
Monoova allows virtual ledgers to be created and linked to an Automatcher account number and optional PayID that can be used to track funds received and paid. Moving funds in an...
Monoova M Account API
Overview
The mAccount is the name we have given our virtual account. It is at the centre of anything you do with our Payments Engine. In many ways, your mAccount(s) i...Monoova Manage Payment Agreements API
Methods to handle the payment agreement lifecycle. There are 2 ways in which a payment agreement can be amended – unilaterally (no payer approval needed), and Bilaterally (payer...
Monoova M Wallet API
Overview
mWallet is the name we have given to the digital wallet required for our BPAY payments. For any other digital-wallet uses, we recommend our mAccount. The API...Monoova Notification Management API
The Notification Management API from Monoova — 4 operation(s) for notification management.
Monoova Pay ID API
Overview
A PayID is an alias for a bank account number that makes paying into account easier. A PayID can be an email address, phone number or ABN. PayIDs are iss...
Monoova PayTo Async API
The `AsyncResponse` is used in operations where the request is accepted, but the processing is not immediate. This response format provides information for tracking and checking...
Monoova Public Endpoints API
The Public Endpoints API from Monoova — 3 operation(s) for public endpoints.
Monoova Reconciliation Rules API
Overview
This feature enables customers to specify the criteria for accepting incoming NPP and DE payments in real time. The customer will be able to advise Monoo...
Monoova Reporting API
PayTo Reporting
A new report has been added specifically for NPP payments related to PayTo. Monoova’s PayTo NPP receivables – available
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see. Authentication, domain security, vulnerability disclosure, and trust-center signals. An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely. Recommended x-agentic-access execution contracts for AI agents. Every other property we hold for Monoova — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production. Portal, sign-up, and the first successful call Reference material describing how the API behaves MCP servers, agent skills, and machine-readable catalogs Pagination, idempotency, versioning, errors, and events Scroll within the panel for all 7 · SDKs, sample code, and the tooling you integrate with Authentication, authorization, and security posture Status, limits, changes, and where to get help Pricing, plans, and the legal terms of use The organization behind the API Properties that don't map to a standard resource type
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· Data indexed from github.com/api-evangelist/monoova
· machine-readable index on apis.io
Monoova Webhooks
ASYNCAPI
Security Posture 3
Agentic Access 1
Resources
Get Started 4
Documentation 2
Agent Surfaces 5
Design & Contract 7
Build 6
Access & Security 6
Operate 2
Commercial 2
Company 3
Other 2
This is an independent, third-party profile of Monoova, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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