Debit Account
Last updated Jan 28th, 2026
post api.withmono.com/v3/payments/mandates/{id}/debitThis resource is to debit an account with a set mandate.
Split Payments
You can seamlessly allocate or split payments into multiple accounts in a single transaction by passing a split object in your body request.
We also provide flexibility in setting up both percentage-based and fixed-amount splits. To know more, please refer to this guide here.
Fee Bearer
The fee bearer is the entity that will be charged for the transaction. This feature is only available for e-mandates (fixed and variable).
business: The fee will be charged to the business (default)customer: The fee will be charged to the customer
Rate Limiting Partners for Failed Payment Attempts
Rules for Blocking New Debit Attempts on the Same Day
We employ the following rules to determine if a new debit attempt can be processed for a specific mandate on any given day. Please note that this applies exclusively to mandates with variable debit types:
- Insufficient Funds Lockout: If the last five (5) debit attempts on an account within the same calendar day have resulted in an "insufficient funds" error, no further debit attempts will be permitted on that account for the remainder of that calendar day.
- General Error Lockout: If the last ten (10) debit attempts on an account within the same calendar day have resulted in any other type of error (including, but not limited to, bank and NIBSS errors etc.), no further debit attempts will be permitted on that account for the remainder of that calendar day.
To know more, please refer to this guide here.
Request
curl --request POST \
--url https://api.withmono.com/v3/payments/mandates/id/debit \
--header 'accept: application/json' \
--header 'content-type: application/json' \
--header 'mono-sec-key: string' \
--data '
{
"amount": integer,
"reference": "string",
"narration": "string"
}
'
Response
Choose an option from the drop down or click one of these buttons to see an example:
