Create a Direct Debit Mandate
curl --request POST \
--url https://api.nomba.com/v1/direct-debits \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--header 'accountId: <accountid>' \
--data '
{
"customerAccountNumber": "0212343456",
"bankCode": "101",
"customerName": "Kolapo Ojo",
"customerAddress": "maryland Ikeja computer village",
"customerAccountName": "Kolapo Ojo",
"amount": 100,
"frequency": "WEEKLY",
"narration": "test e mandate response",
"customerPhoneNumber": "08074332234",
"merchantReference": "12003074001",
"startDate": "2025-08-29T14:58",
"endDate": "2025-08-30T10:40",
"customerEmail": "kolapo@gmail.com",
"startImmediately": true
}
'import requests
url = "https://api.nomba.com/v1/direct-debits"
payload = {
"customerAccountNumber": "0212343456",
"bankCode": "101",
"customerName": "Kolapo Ojo",
"customerAddress": "maryland Ikeja computer village",
"customerAccountName": "Kolapo Ojo",
"amount": 100,
"frequency": "WEEKLY",
"narration": "test e mandate response",
"customerPhoneNumber": "08074332234",
"merchantReference": "12003074001",
"startDate": "2025-08-29T14:58",
"endDate": "2025-08-30T10:40",
"customerEmail": "kolapo@gmail.com",
"startImmediately": True
}
headers = {
"accountId": "<accountid>",
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
accountId: '<accountid>',
Authorization: 'Bearer <token>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
customerAccountNumber: '0212343456',
bankCode: '101',
customerName: 'Kolapo Ojo',
customerAddress: 'maryland Ikeja computer village',
customerAccountName: 'Kolapo Ojo',
amount: 100,
frequency: 'WEEKLY',
narration: 'test e mandate response',
customerPhoneNumber: '08074332234',
merchantReference: '12003074001',
startDate: '2025-08-29T14:58',
endDate: '2025-08-30T10:40',
customerEmail: 'kolapo@gmail.com',
startImmediately: true
})
};
fetch('https://api.nomba.com/v1/direct-debits', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.nomba.com/v1/direct-debits",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'customerAccountNumber' => '0212343456',
'bankCode' => '101',
'customerName' => 'Kolapo Ojo',
'customerAddress' => 'maryland Ikeja computer village',
'customerAccountName' => 'Kolapo Ojo',
'amount' => 100,
'frequency' => 'WEEKLY',
'narration' => 'test e mandate response',
'customerPhoneNumber' => '08074332234',
'merchantReference' => '12003074001',
'startDate' => '2025-08-29T14:58',
'endDate' => '2025-08-30T10:40',
'customerEmail' => 'kolapo@gmail.com',
'startImmediately' => true
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json",
"accountId: <accountid>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.nomba.com/v1/direct-debits"
payload := strings.NewReader("{\n \"customerAccountNumber\": \"0212343456\",\n \"bankCode\": \"101\",\n \"customerName\": \"Kolapo Ojo\",\n \"customerAddress\": \"maryland Ikeja computer village\",\n \"customerAccountName\": \"Kolapo Ojo\",\n \"amount\": 100,\n \"frequency\": \"WEEKLY\",\n \"narration\": \"test e mandate response\",\n \"customerPhoneNumber\": \"08074332234\",\n \"merchantReference\": \"12003074001\",\n \"startDate\": \"2025-08-29T14:58\",\n \"endDate\": \"2025-08-30T10:40\",\n \"customerEmail\": \"kolapo@gmail.com\",\n \"startImmediately\": true\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("accountId", "<accountid>")
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.nomba.com/v1/direct-debits")
.header("accountId", "<accountid>")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"customerAccountNumber\": \"0212343456\",\n \"bankCode\": \"101\",\n \"customerName\": \"Kolapo Ojo\",\n \"customerAddress\": \"maryland Ikeja computer village\",\n \"customerAccountName\": \"Kolapo Ojo\",\n \"amount\": 100,\n \"frequency\": \"WEEKLY\",\n \"narration\": \"test e mandate response\",\n \"customerPhoneNumber\": \"08074332234\",\n \"merchantReference\": \"12003074001\",\n \"startDate\": \"2025-08-29T14:58\",\n \"endDate\": \"2025-08-30T10:40\",\n \"customerEmail\": \"kolapo@gmail.com\",\n \"startImmediately\": true\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.nomba.com/v1/direct-debits")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["accountId"] = '<accountid>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"customerAccountNumber\": \"0212343456\",\n \"bankCode\": \"101\",\n \"customerName\": \"Kolapo Ojo\",\n \"customerAddress\": \"maryland Ikeja computer village\",\n \"customerAccountName\": \"Kolapo Ojo\",\n \"amount\": 100,\n \"frequency\": \"WEEKLY\",\n \"narration\": \"test e mandate response\",\n \"customerPhoneNumber\": \"08074332234\",\n \"merchantReference\": \"12003074001\",\n \"startDate\": \"2025-08-29T14:58\",\n \"endDate\": \"2025-08-30T10:40\",\n \"customerEmail\": \"kolapo@gmail.com\",\n \"startImmediately\": true\n}"
response = http.request(request)
puts response.read_body{
"responseMessage": "Success",
"responseCode": "00",
"data": {
"mandateId": "e50b7835-502c-4cfe-9893-47657633d7a2",
"merchantReference": "12003074001",
"phoneNumber": "08073345562",
"description": "Welcome to NIBSS e-mandate authentication service, a seamless and convenient authentication experience. Kindly proceed with a token payment of N50.00 into account number 9880218357 with Paystack-Titan Bank. This payment will trigger the authentication of your mandate. Thank You"
}
}{
"code": "400",
"description": "Request failed."
}{
"code": "401",
"description": "Unauthorized"
}{
"code": "403",
"description": "Forbidden"
}{
"code": "404",
"description": "Record not found"
}{
"code": "429",
"description": "Too many requests"
}{
"code": "500",
"description": "Server error"
}{
"code": "400",
"description": "Request failed."
}Direct Debits
Create a Direct Debit Mandate
Creates a new direct debit mandate for a customer.
POST
/
v1
/
direct-debits
Create a Direct Debit Mandate
curl --request POST \
--url https://api.nomba.com/v1/direct-debits \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--header 'accountId: <accountid>' \
--data '
{
"customerAccountNumber": "0212343456",
"bankCode": "101",
"customerName": "Kolapo Ojo",
"customerAddress": "maryland Ikeja computer village",
"customerAccountName": "Kolapo Ojo",
"amount": 100,
"frequency": "WEEKLY",
"narration": "test e mandate response",
"customerPhoneNumber": "08074332234",
"merchantReference": "12003074001",
"startDate": "2025-08-29T14:58",
"endDate": "2025-08-30T10:40",
"customerEmail": "kolapo@gmail.com",
"startImmediately": true
}
'import requests
url = "https://api.nomba.com/v1/direct-debits"
payload = {
"customerAccountNumber": "0212343456",
"bankCode": "101",
"customerName": "Kolapo Ojo",
"customerAddress": "maryland Ikeja computer village",
"customerAccountName": "Kolapo Ojo",
"amount": 100,
"frequency": "WEEKLY",
"narration": "test e mandate response",
"customerPhoneNumber": "08074332234",
"merchantReference": "12003074001",
"startDate": "2025-08-29T14:58",
"endDate": "2025-08-30T10:40",
"customerEmail": "kolapo@gmail.com",
"startImmediately": True
}
headers = {
"accountId": "<accountid>",
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
accountId: '<accountid>',
Authorization: 'Bearer <token>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
customerAccountNumber: '0212343456',
bankCode: '101',
customerName: 'Kolapo Ojo',
customerAddress: 'maryland Ikeja computer village',
customerAccountName: 'Kolapo Ojo',
amount: 100,
frequency: 'WEEKLY',
narration: 'test e mandate response',
customerPhoneNumber: '08074332234',
merchantReference: '12003074001',
startDate: '2025-08-29T14:58',
endDate: '2025-08-30T10:40',
customerEmail: 'kolapo@gmail.com',
startImmediately: true
})
};
fetch('https://api.nomba.com/v1/direct-debits', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.nomba.com/v1/direct-debits",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'customerAccountNumber' => '0212343456',
'bankCode' => '101',
'customerName' => 'Kolapo Ojo',
'customerAddress' => 'maryland Ikeja computer village',
'customerAccountName' => 'Kolapo Ojo',
'amount' => 100,
'frequency' => 'WEEKLY',
'narration' => 'test e mandate response',
'customerPhoneNumber' => '08074332234',
'merchantReference' => '12003074001',
'startDate' => '2025-08-29T14:58',
'endDate' => '2025-08-30T10:40',
'customerEmail' => 'kolapo@gmail.com',
'startImmediately' => true
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json",
"accountId: <accountid>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.nomba.com/v1/direct-debits"
payload := strings.NewReader("{\n \"customerAccountNumber\": \"0212343456\",\n \"bankCode\": \"101\",\n \"customerName\": \"Kolapo Ojo\",\n \"customerAddress\": \"maryland Ikeja computer village\",\n \"customerAccountName\": \"Kolapo Ojo\",\n \"amount\": 100,\n \"frequency\": \"WEEKLY\",\n \"narration\": \"test e mandate response\",\n \"customerPhoneNumber\": \"08074332234\",\n \"merchantReference\": \"12003074001\",\n \"startDate\": \"2025-08-29T14:58\",\n \"endDate\": \"2025-08-30T10:40\",\n \"customerEmail\": \"kolapo@gmail.com\",\n \"startImmediately\": true\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("accountId", "<accountid>")
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.nomba.com/v1/direct-debits")
.header("accountId", "<accountid>")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"customerAccountNumber\": \"0212343456\",\n \"bankCode\": \"101\",\n \"customerName\": \"Kolapo Ojo\",\n \"customerAddress\": \"maryland Ikeja computer village\",\n \"customerAccountName\": \"Kolapo Ojo\",\n \"amount\": 100,\n \"frequency\": \"WEEKLY\",\n \"narration\": \"test e mandate response\",\n \"customerPhoneNumber\": \"08074332234\",\n \"merchantReference\": \"12003074001\",\n \"startDate\": \"2025-08-29T14:58\",\n \"endDate\": \"2025-08-30T10:40\",\n \"customerEmail\": \"kolapo@gmail.com\",\n \"startImmediately\": true\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.nomba.com/v1/direct-debits")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["accountId"] = '<accountid>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"customerAccountNumber\": \"0212343456\",\n \"bankCode\": \"101\",\n \"customerName\": \"Kolapo Ojo\",\n \"customerAddress\": \"maryland Ikeja computer village\",\n \"customerAccountName\": \"Kolapo Ojo\",\n \"amount\": 100,\n \"frequency\": \"WEEKLY\",\n \"narration\": \"test e mandate response\",\n \"customerPhoneNumber\": \"08074332234\",\n \"merchantReference\": \"12003074001\",\n \"startDate\": \"2025-08-29T14:58\",\n \"endDate\": \"2025-08-30T10:40\",\n \"customerEmail\": \"kolapo@gmail.com\",\n \"startImmediately\": true\n}"
response = http.request(request)
puts response.read_body{
"responseMessage": "Success",
"responseCode": "00",
"data": {
"mandateId": "e50b7835-502c-4cfe-9893-47657633d7a2",
"merchantReference": "12003074001",
"phoneNumber": "08073345562",
"description": "Welcome to NIBSS e-mandate authentication service, a seamless and convenient authentication experience. Kindly proceed with a token payment of N50.00 into account number 9880218357 with Paystack-Titan Bank. This payment will trigger the authentication of your mandate. Thank You"
}
}{
"code": "400",
"description": "Request failed."
}{
"code": "401",
"description": "Unauthorized"
}{
"code": "403",
"description": "Forbidden"
}{
"code": "404",
"description": "Record not found"
}{
"code": "429",
"description": "Too many requests"
}{
"code": "500",
"description": "Server error"
}{
"code": "400",
"description": "Request failed."
}For a complete guide on response codes and transaction statuses, see Response Codes.
Authorizations
Nomba authenticates API calls with OAuth2 HTTP bearer tokens. There are two methods of authentication; Client-Credentials method and PKCE (Proof Key for Code Exchange) method. Both methods return an access token. Send it in the Authorization header: Authorization: Bearer <access_token>.
Headers
The vendor account ID
Body
application/json
Example:
"0174534423"
Example:
"101"
Example:
"Kolapo Ojo"
Example:
"Kolapo Ojo"
Example:
100
Available options:
VARIABLE, WEEKLY, EVERY_TWO_WEEKS, MONTHLY, EVERY_TWO_MONTHS, EVERY_THREE_MONTHS, EVERY_FOUR_MONTHS, EVERY_FIVE_MONTHS, EVERY_SIX_MONTHS, EVERY_SEVEN_MONTHS, EVERY_EIGHT_MONTHS, EVERY_NINE_MONTHS, EVERY_TEN_MONTHS, EVERY_ELEVEN_MONTHS, EVERY_TWELVE_MONTHS Example:
"WEEKLY"
A NUMERIC string (0-9) used to track a transaction. It must be unique per transaction.
Example:
"120030740017"
Example:
"2025-08-29T14:58"
Example:
"2025-08-30T10:40"
Example:
"kolapo@gmail.com"
Example:
"maryland Ikeja computer village"
Example:
"test e mandate response"
Example:
"0807882343"
Example:
true