Overview

The Partners API empowers businesses to integrate directly with the Mono Connect API, offering a fully customised, end-to-end user experience without relying on the Connect widget. This provides developers with greater flexibility and control over their integration.

Some benefits of using the Partners API

• Full control over the user experience (custom UI/UX).

• Programmatic control of account linking without relying on the Mono Connect widget.

• A backend-only implementation (e.g., triggered via SMS, email, or server-side)

• Multi-tenant white-labelling for different brands or client accounts.

• Support for regulated environments that require strict brand or data flow control.

• Support for channels beyond browser/mobile (e.g., WhatsApp, USSD, kiosks).

• Granular consent flows, custom token management, or scheduled data pulls.

Example Use Cases

Here are some examples of how you might use the Partners API:

• Custom UI & Native UX

You want full control over the user experience — no modals, no Mono branding, no widget dependencies.

Example: A fintech wants users to link their bank accounts from within their own app screens, styled and structured their way.

• Multi-brand or White-labeled Platforms

You serve multiple clients or brands and need a bank-linking experience that adapts per tenant — not a one-size-fits-all widget.

Example: A SaaS product for loan companies gives each client a white-labeled portal, where end-users link their bank accounts.

• Backend-First or Triggered Flows

You need to initiate or manage account linking from your backend — maybe through email, SMS, or a custom bot.

Example: A credit scoring engine sends users a link via SMS to start linking; the actual flow is managed entirely via API.

Pricing

Pricing remains the same as the Connect API via widget (per connected account). Please refer to the Mono pricing page for more details.

FAQs

How can I access the Partners API?

Access to the Partners API is available exclusively to partners with the Mono Partner API add-on.

Can I test on sandbox?

Yes, all endpoints in this API are available in sandbox mode, allowing partners to perform quality testing and streamline integration before going live.

Do we send webhooks for partners API?

Yes we send all webhooks