# Montonio — Payment Provider

Estonian fintech providing a unified checkout experience for bank payments, card payments, and buy-now-pay-later options across Estonia, Latvia, Lithuania, and Finland. Montonio simplifies online payment acceptance for e-commerce merchants.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** E-commerce in Baltic and Nordic regions
- **Fees:** Varies by payment method; bank transfers typically 0.5-1.5%
- **Fee model:** custom
- **Headquarters:** Tallinn, Estonia
- **Founded:** 2017
- **Categories:** traditional
- **Regions:** europe
- **Countries served:** 4 (EE, FI, LT, LV)
- **Payment methods:** bank_transfer, bnpl, credit_card
- **Platforms:** online

## Legal & compliance

1 legal entity on file. Licenses, regulators, registry records and legal-entity detail require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/montonio#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=montonio&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/montonio

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)