Mono Mandate Setup

Direct debit mandate provider via Mono.

Configuration Keys

Key	Description	Example
MONO_MANDATE_ENABLED	Enable Mono mandates	true
MONO_API_BASE_URL	Mono API endpoint	https://api.withmono.com
MONO_SECRET_KEY	Mono secret key	sk_live_xxx
MONO_MANDATE_INITIATE_ENDPOINT	Mandate initiation path	/v1/mandates/initiate
MONO_MANDATE_RETRIEVE_ENDPOINT	Mandate retrieval path	/v1/mandates/{id}
MONO_MANDATE_CANCEL_ENDPOINT	Mandate cancellation path	/v1/mandates/{id}/cancel
MONO_MANDATE_PAUSE_ENDPOINT	Mandate pause path	/v1/mandates/{id}/pause
MONO_MANDATE_REINSTATE_ENDPOINT	Mandate reinstatement path	/v1/mandates/{id}/reinstate
MONO_DIRECT_DEBIT_REPAYMENT_ENDPOINT	Debit repayment path	/v1/mandates/debit
MANDATE_DEFAULT_PROVIDER	Set to Mono	Mono

Ledger Setup

Set MANDATE_REPAYMENT_COLLECTIONS_LEDGER_CODE to the GL account code where mandate collections are credited (Asset ledger).

Testing

1. Set all Mono keys in Configuration
2. Set MANDATE_DEFAULT_PROVIDER = Mono
3. Create a loan and initiate a mandate from the loan dropdown
4. Trigger MandateRepaymentSyncJob to sync repayment status

Webhook

Mono sends mandate status updates to the CoreWave webhook endpoint. Configure your webhook URL in Mono dashboard to point to: POST /api/integrations/recova/v1/{institutionId}/SmsAlert

Troubleshooting

• Mandate initiation fails: Verify MONO_SECRET_KEY is valid
• Repayment not syncing: Check MandateRepaymentSyncJob cron is active
• Duplicate mandates: Mono enforces one active mandate per customer