Page Comparison

...

• Creating a Mandate:

  • 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”

• Authorizing a Mandate:

  • 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.

• Debiting a Mandate:

  • 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.
    

API Reference

Using Monnify Account Direct Debit allows for efficient and secure management of recurring payments. Follow the steps outlined above to integrate and manage mandates effectively.