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To create and manage a mandate, here is the workflow of every possible status a Monnify Mandate can be through its life cycle. Refer to Mandate Event Notification
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Mandate Status | Description |
|---|---|
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. |
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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.
API Reference
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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.