canonical: https://jentic.com/apis/montonio.com/montonio

# Montonio Stargate Payments API

The Montonio Stargate Payments API lets merchants create and manage payments through an Estonian payment gateway serving the Baltics and Europe. It creates payment orders, drafts and finalizes payment intents, issues refunds, and retrieves available payment methods for a store. It supports bank payments, card payments, Buy Now Pay Later financing through hire-purchase applications, and local payment methods, and offers a sandbox host alongside production.

## For AI agents

Create payment orders and intents, issue refunds, retrieve available payment methods, and submit hire-purchase (BNPL) applications through the Montonio gateway.

## Scope

Does not handle accounting, tax filing, or subscription billing. Use for payment orders, refunds, and Buy Now Pay Later financing only.

## Capabilities

- Create a payment order and retrieve its status
- Draft and finalize a payment intent
- Issue a refund against an order
- Retrieve the payment methods available to a store
- Submit a hire-purchase application for Buy Now Pay Later financing
- Retrieve payouts recorded for an order

## Use cases

### AI agent checkout via Jentic

An AI agent connected through Jentic takes a payment without wiring Montonio's auth by hand. It searches by intent such as creating a payment order, Jentic returns the matching Montonio operation with its input schema, and the agent creates the order and reads its status. The developer's own Jentic One instance injects the bearer token at call time.

Example prompt: Call POST /orders to create a payment order, then GET `/orders/{order_uuid}` to read its status

### Payment intents flow

Checkouts that need an interim step draft a payment intent before completing it. Montonio drafts a payment intent, retrieves it, and finalizes it, so an agent can stage a payment, present methods, and finalize once the shopper confirms.

Example prompt: Call POST `/payment-intents/draft` to stage a payment, then POST `/payment-intents/{intent_uuid}/finalize` to complete it

### Refunds and payouts reconciliation

Merchants reverse charges and reconcile settlement. Montonio issues a refund against an order and retrieves the payouts recorded for an order, so an agent can process a return and match the resulting payout back to the original order.

Example prompt: Call POST `/orders/{order_uuid}/refunds` to refund an order, then GET `/orders/{order_uuid}/payouts` to reconcile payouts

### Buy Now Pay Later financing

Stores offer installment financing at checkout. Montonio creates a hire-purchase application and retrieves its status, so an agent can submit a BNPL application for a shopper and track whether the financing was approved.

Example prompt: Call POST `/hire-purchase/applications` to submit a BNPL application, then GET `/hire-purchase/applications/{application_uuid}` for its status

## Key endpoints

| Method | Path | Description |
| --- | --- | --- |
| POST | `/orders` | Create a payment order |
| GET | `/orders/{order_uuid}` | Retrieve an order |
| POST | `/orders/{order_uuid}/refunds` | Create a refund for an order |
| POST | `/payment-intents/draft` | Draft a payment intent |
| POST | `/payment-intents/{intent_uuid}/finalize` | Finalize a payment intent |
| GET | `/stores/setup` | Retrieve available payment methods |
| POST | `/hire-purchase/applications` | Create a hire purchase application |
| GET | `/orders/{order_uuid}/payouts` | Retrieve payouts for an order |

## Key resources

- **Orders** — Create payment orders, read status, refund, and retrieve payouts
- **Payment Intents** — Draft, retrieve, and finalize payment intents
- **Stores** — Retrieve available payment methods for a store
- **Hire Purchase** — Create and retrieve Buy Now Pay Later applications

## AI readiness

This API is usable in Jentic One now. Its AI-readiness score against Jentic's framework shows where it stands today and where improvements would make it even easier for agents to use.

- **Score:** 67 / 100
- **Maturity:** AI-Aware
- **Dimensions:**
  - Foundational Compliance: 85 / 100
  - Developer Experience & Jentic Compatibility: 63 / 100
  - AI-Readiness & Agent Experience: 47 / 100
  - Agent Usability: 94 / 100
  - Security: 75 / 100
  - AI Discoverability: 74 / 100
- **View full report:** https://jentic.com/apis/montonio.com/montonio/scorecard
- **How the score is calculated:** https://docs.jentic.com/reference/api-readiness-framework/overview/
- **More about the dimensions:** https://docs.jentic.com/reference/api-readiness-framework/specification/#dimensional-model-overview

### Score it yourself

Every API in the directory is allowlisted, so you can re-score it with no key required.

- **Score your own API:** https://jentic.com/scorecard.md
- **Scoring CLI agent skill:** https://github.com/jentic/jentic-api-scorecard/blob/main/skills/jentic-api-scorecard/SKILL.md

```sh
npx @jentic/api-scorecard-cli score <openapi-url>
```

## Why Jentic

- **Setup:** Wiring the Montonio Stargate Payments API by hand means learning its bearer scheme, switching between the sandbox and production hosts, and sequencing the draft-and-finalize payment intent flow yourself. Through Jentic you install once, import Montonio from the API Directory, store the token once, and your agent calls the order and payment operations.
- **Permission scoping:** Montonio puts the order and intent ids in the URL path (`/orders/{order_uuid}`, `/payment-intents/{intent_uuid}`), so a rule can pin your agent to one order and the read side of it. You choose the operations it may call, so issuing refunds or finalizing payment intents are not included unless you add them.
- **Credential handling:** Your Montonio bearer token is stored once, encrypted, by your own Jentic One instance and injected at execution time. It never enters the agent's prompt, logs, or context.
- **Discovery method:** Agents search Jentic by intent such as 'create a payment order' or 'issue a refund', and Jentic returns the matching Montonio operation with its input schema so the agent calls the right endpoint without browsing the reference docs.

## Related APIs

- **Mollie Payments API** — Mollie is a European payment gateway covering similar methods; Montonio is Baltics-focused with built-in hire-purchase BNPL.
- **Checkout.com Payments** — Checkout.com is a global card-first processor, where Montonio emphasizes bank payments and local methods in the Baltics.
- **Stripe API** — Stripe can cover regions and methods outside Montonio's footprint in a multi-gateway setup.
- **PayPal Payments API v2** — PayPal adds wallet checkout as an extra method next to Montonio's bank, card, and BNPL options.

## FAQ

### What authentication does the Montonio Stargate Payments API use?

The Montonio Stargate Payments API authenticates with an HTTP bearer token in the Authorization header, per its OpenAPI spec, and offers a sandbox host alongside production. Through Jentic, your token is stored encrypted by your own Jentic One instance and injected at execution time, so it never enters the agent's context.

### Can I create payment orders and refunds with the Montonio Stargate Payments API?

Yes. The order operations create a payment order, retrieve its status, and issue a refund against it, and the store setup operation returns the payment methods available for the order. An agent can take a payment and reverse it through the same gateway.

### What are the rate limits for the Montonio Stargate Payments API?

The OpenAPI spec does not state numeric rate limits. Check the Montonio documentation at https://docs.montonio.com for current limits, and test against the sandbox host before going live.

### How do I create a payment order through Jentic?

Search Jentic by intent such as creating a payment order, and it returns the Montonio order-create operation with its input schema. Create the order, present the available methods, and read the order status, with your token injected at call time. To run it on your own infrastructure, install Jentic One from its GitHub repo.

### Can I limit what my agent is allowed to do with the Montonio Stargate Payments API?

Yes. Montonio puts the order id in the URL path, such as `/orders/{order_uuid}`, so a rule can pin your agent to one order and allow only reading its status and payouts. State-changing operations such as issuing a refund or finalizing a payment intent stay out unless you add them, and every call is logged by your self-hosted instance.

### Is there a Montonio Stargate Payments API MCP server?

You do not need an MCP server to give your agent the Montonio Stargate Payments API. Jentic connects it directly from the API Directory: import it, store your bearer token once, and your agent calls the order and payment-intent operations on demand without loading another server's tool definitions into its context.