Multiple Account Mandate

A Multiple Account Mandate links multiple customer accounts (sourced by BVN lookup) and allows distributed debit handling.

How It Works

The customer authenticates several linked accounts during activation. Debits are processed from any of the accounts, either in priority order or according to merchant logic.

Best for:

Customers who split payments across accounts
High-value debits that may exceed a single account’s balance
Complex financial products (loans, investment funding, co-pay arrangements)

Example

A customer repaying a ₦2,000,000 loan may have funds spread across three accounts. The system allows debiting one or more accounts to fulfill the payment.

Intiating a Merchant with Account Number Sample

1const axios = require('axios').default;
2
3const options = {
4  method: 'POST',
5  url: 'https://direct-debit-mandate-service.staging.teamapt.com/api/v1/debit-mandate/initiate',
6  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
7  data: {
8  "mandateName": "Mandate for Loan repayment",
9  "merchantId": "XTRA",
10  "totalAmount": 1000000,
11  "transactionAmount": null,
12  "maxAmountWithinFrequency": 250000,
13  "isSingleTransactionAmountFixed": false,
14  "totalDebitCount": 4,
15  "durationInDays": 200,
16  "canCustomerCancel": false,
17  "merchantLogo": "https://www.examplemerchant.com/logo.png",
18  "redirectUrl": "https://www.google.com",
19  "minimumMultipleAccountPercentage": null,
20  "paymentFacilitatorReference": "PayFac_Ref_98765",
21  "transactionsCategory": "ELE14",
22  "merchantLocation": "123 Tech Avenue, Lagos, Nigeria",
23  "customerEmail": "firstname.lastname@teamapt.com",
24  "frequency": "ANY",
25  "notificationUrl": "https://webhook.site/1a1c581a-7029-413d-9d24-2a1433fc12f6",
26  "accountNumbers": [
27    {
28      "accountNumber": "0123456789",
29      "bankCode": "070"
30    },
31    {
32      "accountNumber": "9876543210",
33      "bankCode": "070"
34    }
35  ]
36}
37};
38
39try {
40  const { data } = await axios.request(options);
41  console.log(data);
42} catch (error) {
43  console.error(error);
44}

Mandate with Account Provided Response Sample

1{
2    "success": true,
3    "message": "Success",
4    "response": {
5        "paymentFacilitatorReference": "PayFac_Ref_98765",
6        "reference": "TDD12348CSue129303MALNH3HWI",
7        "activationUrl": null,
8        "expiryTime": "2025-12-22T08:12:59Z",
9        "status": "PENDING",
10        "state": "Initiated",
11        "description": "Mandate creation request has been received and being validated",
12        "sessionKey": "5244c9e6cff24ab2ab8a8498d4f7b8b0"
13    },
14    "responseCode": "00"
15}

Mandate without Account Number Sample

1const axios = require('axios').default;
2
3const options = {
4  method: 'POST',
5  url: 'https://direct-debit-mandate-service.staging.teamapt.com/api/v1/debit-mandate/initiate',
6  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
7  data: {
8    "mandateName": "Mandate for Loan repayment",
9    "merchantId": "XTRA",
10    "totalAmount": 750000,
11    "transactionAmount": 250000,
12    "maxAmountWithinFrequency": 250000,
13    "isSingleTransactionAmountFixed": true,
14    "totalDebitCount": 3,
15    "durationInDays": 365,
16    "canCustomerCancel": false,
17    "merchantLogo": "https://www.examplemerchant.com/logo.png",
18    "redirectUrl": "https://www.google.com",
19    "paymentFacilitatorReference": "PayFac_Ref_98765",
20    "transactionsCategory": "ELE14",
21    "merchantLocation": "123 Tech Avenue, Lagos, Nigeria",
22    "customerEmail": "fatai.ibrahim@teamapt.com",
23    "frequency": "ANY",
24    "notificationUrl": "https://webhook.site/d4cbdeac-d58e-4af0-ae88-a10960ce11e3",
25    "mandateClassification": "MULTIPLE_ACCOUNT",
26    "minimumMultipleAccountPercentage": 90
27}
28};
29
30try {
31  const { data } = await axios.request(options);
32  console.log(data);
33} catch (error) {
34  console.error(error);
35}

Mandate without Account number Response Sample

1{
2    "success": true,
3    "message": "Success",
4    "response": {
5        "paymentFacilitatorReference": "PayFac_Ref_98765",
6        "reference": "TDD12348CSue12930KJTHZDCDXA",
7        "activationUrl": "https://mandate-verification.staging.teamapt.com?sessionId=efc4d16f9ad4404daed6ace1229d827d",
8        "expiryTime": "2025-12-19T14:47:37Z",
9        "status": "PENDING",
10        "state": "Initiated",
11        "description": "Mandate creation request has been received and being validated",
12        "sessionKey": "efc4d16f9ad4404daed6ace1229d827d"
13    },
14    "responseCode": "00"
15}

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