Initiate Mandate Authorisation
Last updated October 24th, 2025
post api.withmono.com/v2/payments/initiateThis resource returns a link for your customers to authorise their mandate. It is helpful when you don't need to customise the flow. When you use this resource to setup a mandate, you have no need for the create a mandate endpoint.
A more detailed guide on using this resource can be found here.
Regarding the readiness for debiting the account:
Signed Mandate: Upon bank approval, signed mandate accounts are immediately available for debiting and balance inquiries.
E-mandate: With an e-mandate setup, a waiting period of 1 hour max should be observed following approval before debiting and balance inquiries can be conducted.
Debit Types & Amount
Variable: The amount represents the total funds a business plans to collect from a customer over the mandate period. Individual debit amounts can vary within this total limit.
Fixed: The amount specifies the exact amount to be debited per transaction. The total debit is automatically calculated based on this fixed amount. Once set during mandate authorization, this amount cannot be modified.
Request
curl --request POST \
--url https://api.withmono.com/v2/payments/initiate \
--header 'accept: application/json' \
--header 'content-type: application/json' \
--header 'mono-sec-key: string' \
--data {
"amount": 9190030,
"type": "recurring-debit",
"method": "mandate",
"mandate_type": "emandate", // or "signed" or "gsm"
"debit_type": "variable", // or "fixed"
"description": "Repayment for samuel@neem.com",
"reference": "testO2b9O9EF903949493432",
"redirect_url": "https://mono.co",
"customer": {
"id":"65eb623b0000900009e5c1f21cd"
},
"start_date": "2024-03-29",
"end_date": "2024-08-04",
"meta": {}
}
Response
Choose an option from the drop down or click one of these buttons to see an example:
