Dual Account Mandate

A Dual Account Mandate allows merchants to link two customer accounts under one mandate: a primary and a secondary account.

How It Works

If a debit on the primary account fails, the system automatically retries the debit on the secondary account.

Best for:

Reducing payment failures
Customers with unpredictable account balances
Businesses seeking higher collection success rates

Example

A micro-loan provider collects from a borrower. If the borrower’s salary account has insufficient funds, the mandate seamlessly falls back to their savings account.

Request Sample

1const axios = require('axios').default;
2
3const options = {
4  method: 'POST',
5  url: 'https://direct-debit-bank-integration-service.development.teamapt.com/api/v1/debit-mandate/create',
6  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
7  data: {
8    mandateName: 'Monthly Subscription Service',
9    merchantId: 'MERCHANT001',
10    merchantName: 'Example Tech Inc.',
11    merchantCategoryCode: '5816',
12    accountNumber: '0123456789',
13    paymentFacilitatorReference: 'PAYFAC_REF_12345',
14    merchantLocation: '123 Tech Road, Lagos, NG',
15    paymentInterval: 'MONTHLY',
16    maxAmountPerFrequency: 500000,
17    durationInDays: 365,
18    transactionCategory: 'Subscription',
19    totalDebitAmount: 6000000,
20    totalDebitCount: 12,
21    transactionAmount: 500000,
22    fixedDebitAmount: true,
23    cancellationBy: 'CUSTOMER_OR_MERCHANT',
24    redirectPage: 'https://your-merchant-site.com/mandate-return',
25    bankCode: '058'
26  }
27};
28
29try {
30  const { data } = await axios.request(options);
31  console.log(data);
32} catch (error) {
33  console.error(error);
34}

Response Sample

1{
2  "activationUrl": "https://auth.provider.com/mandates?sessionId=abc-123",
3  "reference": "MNDT_f94afd5e7c4ad38354",
4  "message": "Mandate initiated successfully."
5}

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