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

All Mandatory below, can be reused with multiple bank account info to create more e-mandate arrangement with different bank account of exactly same Payee(email) + BVN + mandateID (combined)

Option A: Attach Single Account via Micro-Deposit

Generates a dedicated authorization transfer destination for the payer's bank account.

POST /micro-deposit/create/mandate
Content-Type: application/json

Request Body

Field	Type	Required?	Description
appId	string	Yes	Your application ID.
businessId	string	Yes	Your business ID.
mandateId	string	Yes	The _id returned from POST /consent/create.
accountNumber	string	Yes	10-digit NUBAN account number.
bankCode	string	Yes	3-digit CBN bank code (e.g. "044" for Access Bank).
email	string	Yes	Payer's email address.
mobileNumber	string	Yes	Payer's phone number.
address	string	Yes	Payer's residential address.

{
  "appId": "630c8be89131cd442344e794",
  "businessId": "630c8be89131cd442344e790",
  "mandateId": "66f1b8c4d29a430018a99101",
  "accountNumber": "0088741090",
  "bankCode": "044",
  "email": "[email protected]",
  "mobileNumber": "08030001122",
  "address": "12 Marina Road, Lagos Island, Lagos"
}

Response (200 OK)

{
  "status": true,
  "message": "To proceed, please authorize this mandate by transferring N50.00 to any of the listed banks below",
  "error": false,
  "data": {
    "mandate": {
      "_id": "66f1b8c4d29a430018a99101",
      "consents": ["66f1b9f1d29a430018a99105"]
    },
    "transfer_destinations": [
      {
        "bank_name": "Parallex Bank",
        "account_number": "6007049662",
        "icon": "https://res.cloudinary.com/creditchek-africa/image/upload/v1772053274/banks/parallex-logo_k4e30p.png"
      }
    ]
  }
}

[!IMPORTANT] Originating Account Verification The payer must execute the ₦50 transfer from the exact bank account submitted in accountNumber. If the payment originates from a different bank or third-party account, the bank will not be able to verify authorization, and the mandate will remain pending.

---

E-signature

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

Option B: Attach Single Account via e-Signature

For payers authorizing directly via an electronic signature on file.

POST /v1/recova/mandate/create-mandate
Content-Type: application/json

Request Body

Field	Type	Required?	Description
appId	string	Yes	Your application ID.
businessId	string	Yes	Your business ID.
mandateId	string	Yes	The _id returned from POST /consent/create.
accountNumber	string	Yes	10-digit NUBAN account number.
accountName	string	Yes	Name registered on the bank account.
bankCode	string	Yes	3-digit CBN bank code.
email	string	Yes	Payer's email address.
phone	string	Yes	Payer's contact phone number.
address	string	Yes	Residential address.
bankAddress	string	Yes	Bank branch location.
file	string	Yes	Base64-encoded image string of payer's signature.

{
  "appId": "630c8be89131cd442344e794",
  "businessId": "630c8be89131cd442344e790",
  "mandateId": "66f1b8c4d29a430018a99101",
  "accountNumber": "0051762787",
  "accountName": "OLUWASEUN ADEKUNLE",
  "bankCode": "058",
  "email": "[email protected]",
  "phone": "08030001122",
  "address": "12 Marina Road, Lagos",
  "bankAddress": "Guaranty Trust Bank, Victoria Island Branch",
  "file": "iVBORw0KGgoAAAANSUhEUgAA..."
}

Response (200 OK)

{
  "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
}

---

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.