Initiate Mandate Authorisation
Last updated September 28th, 2026
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.
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.
Fee Bearer
The fee bearer is the entity that will be charged for the transaction.
business: The fee will be charged to the business (default)customer: The fee will be charged to the customer
For Mono Sweep, passing the fee to the customer is available based on request. Contact support@mono.co to enable it.
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 "sweep"
"debit_type": "variable", // or "fixed"
"account_number": "12345678901",
"bank_code": "023",
"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:
