Automated payment gateway MONA Pay notification: customers transferring money via website, software, and Telegram group get notified instantly, orders self-confirmed. Free for 500 transactions per month. MONA Pay is the payment gateway and banking API of The MONA Group: customers transfer money to a bank account registered under the business name, and as soon as the money arrives, the website, sales software, and Telegram group are informed instantly; orders are automatically marked as paid. Money does not go through MONA Pay; no bank password is required.

Problem solved: online shops, training centers, clinics, SaaS that collect payments via bank transfers must manually check bank statements and match orders, or rely on intermediary gateways that take a percentage from each transaction and hold funds according to reconciliation schedules.

Main features: individual virtual bank accounts (VA) for each order or customer; VietQR dynamically fills in the amount and content; HMAC-SHA256 signed webhook for the website or software; notifications of incoming funds via Telegram by group and topic; dashboard my.monapay.vn to view transactions, resend webhooks, reconcile; two-factor authentication; SDKs for Node, Python, PHP, CLI and MCP server 22 tools for Claude Code, Codex, and Cursor to integrate automatically, including connecting to banks via OTP directly in the chat window.

Who should use it: Vietnamese businesses selling products, collecting tuition fees, and service fees via domestic bank transfers; technical teams and AI agents needing banking APIs with machine-readable documentation (llms.txt, openapi.json).

How to get started: register at my.monapay.vn to use immediately without approval, create an API key, connect a bank account via OTP (ACB is operational, other banks are connecting), install the WooCommerce plugin or paste prompts for AI agents. Documentation is available at monapay.vn/docs.

Key differences: no percentage fees on the amount, free for 500 transactions each month, and completely free for MONA customers; the MONA system is self-used to collect payments for itself and over 6,000 customers since 2022 before going public in 2026; designed AI-agent-first from the start.