Create A Mandate

To create a mandate on Monnify, you’ll need to call the create mandate endpoint, see specifications below(remember to also add the authentication header).

This endpoint is protected with OAuth 2.0 Bearer token. To find out more about authorization for Monnify endpoints, check Here

Endpoint URL: {{base_url}}/api/v1/direct-debit/mandate/create

HTTP Method: POST

The {{base_url}} for test is https://sandbox.monnify.com but when you go live, it changes to the live url.

Open Flexible

For open flexible use case, you are informing Monnify that the mandate needs to be renewed periodically and you intend to periodically charge the customer a variable amount.

You will need to set the "autoRenew", parameter to true so that Monnify always renews the mandate and would also need to omit the "debitAmount" parameter as shown below

Open Flexible Sample Request

{
   "contractCode": "797854529434",
   "mandateReference": "test-09-04-24-06",
   "autoRenew": true,
   "customerName": "Ankit Kushwaha",
   "customerPhoneNumber": "1234567890",
   "customerEmailAddress": "ankit.kushwaha@moniepoint.com",
   "customerAddress": "123 Example Street, City, Country",
   "customerAccountNumber": "0051762787",
   "customerAccountBankCode": "998",
   "mandateDescription": "Subscription Fee",
   "mandateStartDate": "2024-04-10T10:15:30",
   "mandateEndDate": "2025-01-19T10:15:30",
   "mandateAmount": 1000
}

Open Fixed

For an open fixed use case, you are informing Monnify that the mandate needs to be renewed periodically and you intend to periodically charge the customer a fixed amount.

Open Fixed Sample Request

{
   "contractCode": "797854529434",
   "mandateReference": "test-09-04-24-05",
   "autoRenew": true,
   "customerName": "Ankit Kushwaha",
   "customerPhoneNumber": "1234567890",
   "customerEmailAddress": "ankit@gmail.com",
   "customerAddress": "123 Example Street, City, Country",
   "customerAccountNumber": "0051762787",
   "customerAccountBankCode": "998",
   "mandateDescription": "Subscription Fee",
   "mandateStartDate": "2024-04-10T10:15:30",
   "mandateEndDate": "2025-01-19T10:15:30",
   "debitAmount": 10000
}

Closed Fixed

For a closed fixed use case, you are informing Monnify that the mandate is for a predetermined duration and you intend to periodically charge the customer a fixed amount.

Sample Request

{
   "contractCode": "797854529434",
   "mandateReference": "test-18-03-24-10",
   "autoRenew": false,
   "customerName": "Ankit Kushwaha",
   "customerPhoneNumber": "1234567890",
   "customerEmailAddress": "muhammad.sheraz@moniepoint.com",
   "customerAddress": "123 Example Street, City, Country",
   "customerAccountNumber": "0051762787",
   "customerAccountBankCode": "998",
   "mandateDescription": "Subscription Fee",
   "mandateStartDate": "2024-03-19T10:15:30",
   "mandateEndDate": "2025-01-19T10:15:30",
   "debitAmount": 1000,
   "mandateAmount": 10000
}

Closed Flexible

For closed flexible use case, you are informing Monnify that the mandate is for a predetermined duration and you intend to periodically charge the customer a variable amount.

Sample Request

Sample Response

On successful mandate creation, an authorisation email will be sent to the customer’s email address to enable the customer authorise direct debit on his account. Once successfully authorised, merchant can periodically pass debits to the customer’s bank account till the mandate expires.

Field Parameters

Fields	Mandatory or Optional	Description

Fields	Mandatory or Optional	Description
contractCode	M	The merchant’s Monnify contract code
mandateReference	M	Merchants generated reference to identify a mandate
customerName	M	Name of merchants customer
customerPhoneNumber	M	Phone number of merchants customer
customerEmailAddress	M	Email address of merchants customer
customerAddress	M	Location of merchants customer
accountNumber	M	Customers account number to create a mandate on
accountName	O	Customers account name for the account to create a mandate on
bankCode	M	The bank code of the account number to create a mandate on
mandateAmount	M	Total lifetime amount debitable on the mandate.
mandateDescription	M	The description of the payment the mandate is associated to
autoRenew	O	This informs Monnify wether the mandate will be renewed once it reaches end date.
mandateStartDate	O	StartDate of Mandate: default to mandate creation date
mandateEndDate	O	EndDate of Mandate: default to mandate creation date
mandateCode	O	Monnify generated mandate identifier
mandateStatus	O	The status of the mandate in request: INITIATED, ACTIVE, CANCELED
mandateAuthorizationLink	O	3Ds link presented to customers for authorization flow returned when the status is requested
paymentReference	M	Merchants unique reference to identify a single direct debit payment
debitAmount	O	Payment amount to be debited from a single debit transaction
narration	M	Description of the single debit