Create Mandate

The Direct Debit endpoint lets you create a standing mandate on a customers account method which allows you perform a direct debit on the account within the approved mandate period.

1 - Get customer details

To initiate a mandate on an account, you'll need to pass information such as customer information, startDate, endDate, etc.

Please find below the request parameters for the endpoint.

amountYesstringThe total of the amount that would be deducted during the course of the mandate. I.e if you intend to deduct ₦10,000 every month for 3 months, the mandate amount would be ₦30,000.
descriptionYesstringThe reason why the mandate is being created.
startDateYesstringThis must be a future date and can’t be the same date as the date the request was made.
endDateYesstringAfter this date, a direct debit can't be made again using the mandate reference.
businessAddressYesstringYour business address.
customerYesobjectThe customer whose account would be debited.
customer.accountNumberYesstringThe customer's account number from which the amounts would be debited.
customer.accountNameYesstringThe customer's account name.
customer.bankCodeYesstringThe customer's bank code. To get the bank code please see the list banks endpoint codes for more details.
customer.addressYesstringThe customer's address.
customer.emailYesstringThe customer's email address.
customer.phoneYesstringThe customer's email phone number.
currencyYesstringCurrently, the only accepted currency is NGN.

2 - Create Mandate

After collecting the necessary details to create a mandate. Make a POST request to our create mandate endpoint.


curl --location '' \
--header 'accept: application/json' \
--header 'api-key: <Your API secret key>' \
--header 'Content-Type: application/json' \

Here's a sample payload to initialize a mandate:

    "amount": 72500.00,
    "description": "config spirit rest l6ets test",
    "startDate": "2024-04-26",
    "endDate": "2024-10-31",
    "businessAddress": "YOung blood",
    "customer": {
        "accountNumber": "0051762787",
        "accountName": "Stan Lee",
        "bankCode": "998",
        "address": "Local Address, Lagos",
        "email": "[email protected]",
        "phone": "08030607376"
    "currency": "NGN"

If the API call is successful, Fincra returns the following response:

  "amount": 72500,
  "description": "Subscription",
  "responseDescription": "Welcome to NIBSS e-mandate authentication service, a seamless and convenient authentication experience. Kindly proceed with a token payment of N50:00 into account number \"0008787867\" with GTBank. This payment will trigger the  authentication of your mandate. Thank You",
  "startDate": "2024-04-05T00:00:00.000Z",
  "endDate": "2024-10-31T00:00:00.000Z",
  "status": "initiated",
  "reference": "mr_0788b7b-767da-7878-8886-dc0788cd",
  "createdAt": "2024-04-04T08:04:05.474Z"

Note: For a mandate to be in effect, the account owner would have to authorize the mandate request by sending ₦50 from the account provided when creating a mandate, to the account returned in the responseDescription field as seen above. Without this being done, the mandate can note be in effect.

3 - Get Mandate Status/Info

You can confirm mandate status by calling the get mandate info endpoint.


curl --location '{{reference}}' \
--header 'accept: application/json' \
--header 'api-key: <Your API secret key>' \

Here's the api response:

  "amount": 72500,
  "description": "Recurring loan repayment",
  "responseDescription": "",
  "startDate": "2024-04-04T00:00:00.000Z",
  "endDate": "2024-10-31T00:00:00.000Z",
  "status": "approved",
  "reference": "mr_9dcere51-49f0-8347-9051-438783748",
  "createdAt": "2024-04-03T09:56:34.812Z"
  "message": "Mandate not found",
  "error": "Not Found",
  "statusCode": 404

4 - Receive and validate webhook notification

Listen for webhook events. We will send a notification to your webhook URL that indicates the status of the mandate. Read our guide on securing and validating the webhook notification on your end.

Webhook response:

  "event": "mandate.approved",
  "data": {
    "amount": 15000,
    "description": "DD program",
    "responseDescription": "",
    "startDate": "2024-05-17T00:00:00.000Z",
    "endDate": "2024-05-18T00:00:00.000Z",
    "status": "approved",
    "reference": "mr_b995e8cf-f8be-49c7-8555-35a421f75fe7",
    "createdAt": "2024-05-16T11:44:33.000Z"