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Mandate Status | Description |
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PENDING | Mandate creation is in progress. |
PENDING AUTHORIZATION | Mandate is awaiting customer authorization |
PENDING ACTIVATION | Mandate has been authorized by the customer and awaiting activation by the customers financial intuition. |
ACTIVATED | Mandate has been activated and can now be debited. |
AUTHORIZATION EXPIRED | Mandate authorization expired because the customer didn’t authorize it within the available timeframe. |
EXPIRED | Mandate has reached its expiration time. |
CANCELLED | Mandate was canceled by the merchant. |
SUSPENDED | Mandate was suspended by the customer’s financial intuition. |
Use Cases
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Choose the method that best suits your business needs to help you set up properly:
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An insurance company offers a one-year health insurance plan with monthly premiums of N10000. The company can use a closed fixed mandate to debit N10000 from the customer’s account each month for 12 months. After 12 months, the mandate expires. |
API Integration Workflow
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The merchant requests to set up a direct debit using the customer's account details.
The Mandate Creation request is successful, and the mandate status will be "Pending"
Once Monnify creates mandate, the status will be changed to “Pending Authorization”
The customer authorizes the mandate. Authorization instructions can be received through:
An authorization email sent directly by Monnify to the customer's email address.
An authorization link returned from the status API response, which the merchant can present to their customer.
Once authorized successfully, the mandate status will be ‘Activated’ and merchants can use the Debit APIs to debit the account linked to the mandate as per the agreed terms.
The APIs accommodate different use cases, whether fixed or flexible debits, open or closed mandates based on set up.
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