Step 2: Set mandate

Step 2: Place the e-mandate on the payer’s bank account list.

POST: https://api.creditchek.africa/v1/recova/micro-deposit/create/mandate

Contact [email protected] if you encounter any error responses at this stage.

Micro deposits

Request Parameters

Sample Request

{
  "appId": "630c8be89131cd442344e794",
  "businessId": "630c8be89131cd442344e790",
  "mandateId": "662a8f60562eace06cf9188c",
  "accountNumber": "0088741090",
  "bankCode": "044",
  "address": "Nigeria"
}

Response

{
  "status": true,
  "data": {
    "transfer_destinations": [
      {
        "bank_name": "Fidelity",
        "account_number": "0987654321",
        "icon": "https://res.cloudinary.com/creditchek-africa/image/upload/v1650378721/banks/fidelity-bank.png"
      },
      {
        "bank_name": "Paystack Titan",
        "account_number": "1234567890"
      }
    ]
  },
  "message": "To proceed, please authorize this mandate by transferring N50.00 to any of the listed banks below",
  "error": false
}

E-signature

POST:: https://api.creditchek.africa/v1/recova/mandate/create-mandate

Request Parameters

Sample Request

{
  // All required
  "appId": "6295e8bacccda600124334c9",
  "businessId": "6295e8b91a4f510013818fc1",
  "mandateId": "659d308ab5233b8d1f3be97c",
  "accountNumber": "0051762787",
  "accountName": "Stan Lee",
  "bankCode": "998",
  "name": "Stan Lee",
  "email": "[email protected]",
  "phone": "08030607376",
  "address": "Local Address, Lagos",
  "fileExtention": "png",
  "file": "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"
}

tip

The payer’s signature (submitted in base64)must match the signature recognised by the debtor’s bank on record (or file).

RecovaPRO supports collections on any day. Where a regular recurring collection is due on a date that does not exist, the collection will take place on the 1st of the following month.

Example: A payer with frequency type Y (yearly) and a start date of 29 February 2016 will pay on 1 March in non-leap years.

note

Payload is pre-configured sample data for any secured integration and testing.

Response

{
  "status": true,
  "data": {
    "hasResult": true,
    "result": "Mandate is being Processed",
    "resultType": 1,
    "message": "Successful",
    "validationMessages": null,
    "successful": true,
    "exceptionThrown": false,
    "error": null,
    "responseCode": "00"
  },
  "message": "Mandate created successfully",
  "error": false
}