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Direct Debit Webhook Events

Last updated July 7th, 2025

Overview

Our Direct Debit webhook events are categorised based on the following :

  1. Mandate webhook events.

  2. Debit webhook events.

1. Mandate webhook events

These are webhooks that are triggered when some specific direct debit mandate actions have been taken. We have itemised them down below:

  • Mandate created event.
  • Mandate rejected event.
  • Mandate approved event.
  • Mandate ready-to-debit event.
  • Mandate paused event.
  • Mandate cancelled event.
  • Mandate reinstated event.
a. Mandate-created event:

This webhook is sent when a direct debit mandate has been successfully created on your end.

Request

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{
  "event": "events.mandates.created",
  "data": {
    "id": "mmc_664b428e362a3",
    "status": "initiated",
    "mandate_type": "emandate",
    "debit_type": "variable",,
    "ready_to_debit": false,
    "nibss_code": "RC/5008/4942090",
    "approved": false,
    "reference": "ZONO240520",
    "account_name": "Samuel Olamide",
    "account_number": "0100013078",
    "bank": "GTB TESTING",
    "customer": "664769512f321a8c",
    "description": "Mono TEST",
    "live_mode": false,
    "message": "The mandate has been successfully initiated and is awaiting
     customer approval. Once approved, you can begin debiting customers
     based on the agreed terms",
    "start_date": "2024-09-12T00:00:00.000Z",
    "end_date": "2024-12-25T00:00:00.000Z",
    "date": "2024-05-20T12:31:10.481Z",
    "amount": 200020,
    "fee_bearer": "business",
    "app": "662fd4468d1db5",
    "business": "60cc8f95bac5c6b1d"
  }
}
b. Mandate rejected event:

This webhook is triggered when a created direct debit mandate has been rejected.

Request

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{
  "event": "events.mandates.rejected",
  "data": {
    "id": "mmc_65795ef187e8bc6f0c112345",
    "mandate_type": "emandate",
    "debit_type": "variable",
    "status": "rejected",
    "approved": false,
    "reference": "TPS-blablaba-03",
    "account_name": "SAMUEL OLAMIDE",
    "account_number": "0123456789",
    "bank": "ZENITH INTERNATIONAL BANK PLC",
    "customer": "60cc8f95ba1772018c123456",
    "description": "Mono subscriptions",
    "message": "Mandate was rejected by Bank",
    "start_date": "2023-12-13T00:00:00.000Z",
    "end_date": "2024-05-25T00:00:00.000Z",
    "date": "2023-12-13T08:36:17.114Z",
    "app": "60cc8f95ba1772018c123456",
    "business": "60cc8f95ba1772018c123456"
  }
}
c. Mandate approved event:

This webhook is triggered when a created direct debit mandate has been successfully approved.

Request

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{
  "event": "events.mandates.approved",
  "data": {
    "id": "mmc_664b428362a3",
    "status": "approved",
    "mandate_type": "emandate",
    "debit_type": "variable",
    "ready_to_debit": false,
    "nibss_code": "RC/5008/4942090",
    "approved": true,
    "reference": "ZONO240520",
    "account_name": "Samuel Olamide",
    "account_number": "0100013078",
    "bank": "GTB TESTING",
    "customer": "664769512f321a8c",
    "description": "Mono TPS TEST",
    "live_mode": false,
    "message": "Mandate approved",
    "start_date": "2024-09-12T00:00:00.000Z",
    "end_date": "2024-12-25T00:00:00.000Z",
    "date": "2024-05-20T12:31:10.481Z",
    "amount": 200020,
    "fee_bearer": "business",
    "app": "662fd49468d1db5",
    "business": "60cc8f95c5c6b1d"
  }
}
d. Mandate ready-to-debit event:

This webhook is triggered when a mandate has been approved and the account is ready to be debitted.

Request

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{
  "event": "events.mandates.ready",
  "data": {
    "id": "mmc_66476972650cb58",
    "status": "approved",
    "mandate_type": "emandate",
    "debit_type": "variable",
    "ready_to_debit": true,
    "nibss_code": "RC000014/1000/00026",
    "approved": true,
    "reference": "ZONO2349416",
    "account_name": "SAMUEL OLAMIDE",
    "account_number": "0100013078",
    "bank": "GUARANTY TRUST BANK PLC",
    "description": "Mono TEST",
    "message": "Mandate is now ready for debiting",
    "start_date": "2024-08-12T00:00:00.000Z",
    "end_date": "2024-12-25T00:00:00.000Z",
    "date": "2024-05-17T14:28:09.034Z",
    "amount": 200000,
    "fee_bearer": "business",
    "app": "662fd49d68d1db5",
    "business": "60cc8fc5c6b1d"
  }
}
e. Mandate paused event:

When a direct debit mandate has been paused, the webhook below is triggered.

Request

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{
  "event": "events.mandate.action.pause",
  "data": {
    "mandate": "mmc_6571f4e55c7d1843d7d162e9",
    "status": "success",
    "response_code": "",
    "message": "This mandate is now paused and can't be used for
    debit or balance inquiry, but you can reinstate it back.",
    "timestamps": "2023-12-14T10:40:47.713Z",
    "documentation": "https://mono.co/docs/error-codes/400",
    "data": null,
    "app": "60cc8f95ba1772018c123456",
    "business": "60cc8f95ba1772018c123456"
  }
}
f. Mandate cancelled event:

This webhook is triggered when a created/approved direct debit mandate has been cancelled.

Request

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{
  "event": "events.mandate.action.cancel",
  "data": {
    "mandate": "mmc_6579495142cc7e8894f6e031",
    "status": "success",
    "response_code": "",
    "message": "This mandate is now cancelled and deleted, and can’t be used again",
    "timestamps": "2023-12-14T10:34:30.114Z",
    "documentation": "https://mono.co/docs/error-codes/400",
    "data": null,
    "app": "60cc8f95ba1772018c123456",
    "business": "60cc8f95ba1772018c123456"
  }
}
g. Mandate reinstated event:

When a direct debit mandate has been paused, we send the webhook below when this mandate has been reinstated.

Request

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{
  "event": "events.mandate.action.reinstate",
  "data": {
    "mandate": "mmc_6571f4e55c7d1843d7d162e9",
    "status": "success",
    "response_code": "",
    "message": "The mandate has been reinstated successfully and is
     now active for debit and balance inquiry",
    "timestamps": "2023-12-14T10:40:19.322Z",
    "documentation": "https://mono.co/docs/error-codes/400",
    "data": null,
    "app": "60cc8f95ba1772018c123456",
    "business": "60cc8f95ba1772018c123456"
  }
}

2. Debit webhook events

When a direct debit action is taken, either of the two results below will be shared:

  • Processing direct debit event.
  • Successful direct debit event.
  • Failed direct debit event.
a. Processing direct debit event:

This processing webhook is sent to indicate a debit transaction is pending confirmation. When the transaction is finally confirmed as successful or failed, a webhook is sent and the status will be updated.

Request

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{
  "event": "events.mandates.debit.processing",
  "data": {
    "status": "processing",
    "message": "Payment is currently in processing state, please wait for a final state webhook before giving value",
    "event": "processing",
    "response_code": "99",
    "amount": 140000,
    "mandate": "mmc_66b724f8be2c101e38151234",
    "reference_number": "LBA3B086406D4851234A",
    "account_details": {
      "bank_code": "058",
      "account_name": "HASSAN ABDULHAMID TOMIWA",
      "account_number": "0123456789",
      "bank_name": "GUARANTY TRUST BANK PLC"
    },
    "beneficiary": {
      "bank_code": "000",
      "account_number": "P000001",
      "bank_name": "MONO SETTLEMENT WALLET"
    },
    "date": "2024-08-12T00:32:17.192Z",
    "live_mode": true,
    "app": "661fb072e5fcc75328866c9a",
    "fee_bearer": "business",
    "business": "630c84e6059cbfc70fdaag15",
    "customer": "66b724f51a0fe7906d05d617"
  }
}
b. Successful direct debit event:

The webhook below is sent whenever an account has been debited successfully

Request

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{
  "event": "events.mandates.debit.successful",
  "data": {
    "success": true,
    "status": "successful",
    "message": "Account debited successfully.",
    "response_code": "00",
    "amount": 50000,
    "customer": "6570ee1115ddbc5528fea1c8",
    "mandate": "mmc_6571f4e55c7d1843d7d162e9",
    "reference_number": "Ah20141329b841234",
    "fee": 1000,
    "account_details": {
      "bank_code": "058",
      "account_name": "SAMUEL OLAMIDE",
      "account_number": "0123456789",
      "bank_name": "GUARANTY TRUST BANK PLC"
    },
    "beneficiary": {
      "bank_code": "000",
      "account_name": "Mono",
      "account_number": "P000001",
      "bank_name": "MONO SETTLEMENT WALLET"
    },
    "date": "2023-12-14T10:41:42.016Z",
    "fee_bearer": "business",
    "app": "60cc8f95ba1772018c123456",
    "business": "60cc8f95ba1772018c123456"
  }
}
c. Failed direct debit event:

This webhook is sent whenever a direct debit process performed is failed.

Request

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{
  "event": "events.mandates.debit.failed",
  "data": {
    "success": false,
    "status": "failed",
    "message": "",
    "response_code": "96",
    "amount": 50000,
    "customer": "6570ee1115ddbc5528fea1c8",
    "mandate": "mmc_6571f4e55c7d1843d7d162e9",
    "reference_number": "Ah20141329b841841",
    "account_details": {
      "bank_code": "058",
      "account_name": "SAMUEL OLAMIDE",
      "account_number": "0123456789",
      "bank_name": "GUARANTY TRUST BANK PLC"
    },
    "beneficiary": {
      "bank_code": "000",
      "account_name": "SAMUEL OLAMIDE",
      "account_number": "P000000",
      "bank_name": "MONO SETTLEMENT WALLET"
    },
    "date": "2023-12-14T10:41:42.016Z",
    "fee_bearer": "business",
    "app": "60cc8f95ba1772018c123456",
    "business": "60cc8f95ba1772018c123456"
  }
}

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