Single Account Mandate

A Single Account Mandate authorizes debits from one customer account. It is the most common type of mandate and works for both fixed and flexible payments.

How It Works

The customer enrolls in one account during activation. All future debits are processed from that account only.

Best for:

Straightforward recurring billing
One-off transactions
Simple subscription models

Example

A customer subscribes to a monthly data plan; the telecom provider debits the same account every month.

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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