openapi: 3.1.0
info:
  title: Moniepoint POS Push Payment Authentication Debits API
  description: 'Push payment-request flow for Moniepoint POS terminals. ISV partners push an authenticated payment request to a registered terminal serial number; the merchant taps to accept and the terminal completes a card or bank-transfer collection routed through Moniepoint''s acquiring rails. API client credentials (client id and client secret) are issued from the Moniepoint Business dashboard.

    '
  version: '1.0'
  contact:
    name: Moniepoint POS Developer Support
    url: https://teamapt.atlassian.net/wiki/spaces/EI
servers:
- url: https://pos.moniepoint.com
  description: Production
security:
- BasicAuth: []
tags:
- name: Debits
  description: Initiate debits against an active mandate.
paths:
  /api/v1/direct-debit/mandate/debit:
    post:
      summary: Monnify Debit Direct Debit Mandate
      description: Debit a configured amount against an active mandate. Supports incomeSplit (April 2026).
      operationId: debitMandate
      tags:
      - Debits
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/DebitMandateRequest'
      responses:
        '200':
          description: Debit accepted.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/DebitEnvelope'
components:
  schemas:
    DebitEnvelope:
      type: object
      properties:
        requestSuccessful:
          type: boolean
        responseMessage:
          type: string
        responseCode:
          type: string
        responseBody:
          type: object
          properties:
            mandateCode:
              type: string
            debitReference:
              type: string
            amount:
              type: number
            transactionReference:
              type: string
            status:
              type: string
              enum:
              - SUCCESS
              - FAILED
              - PENDING
            dateCreated:
              type: string
              format: date-time
    DebitMandateRequest:
      type: object
      required:
      - mandateCode
      - amount
      - debitReference
      - narration
      properties:
        mandateCode:
          type: string
        amount:
          type: number
        debitReference:
          type: string
        narration:
          type: string
        incomeSplit:
          type: array
          description: Optional split of the debited amount across sub-accounts (April 2026).
          items:
            type: object
            properties:
              subAccountCode:
                type: string
              splitPercentage:
                type: number
              splitAmount:
                type: number
              feeBearer:
                type: boolean
  securitySchemes:
    BasicAuth:
      type: http
      scheme: basic
      description: Basic auth using API client id and client secret from the Moniepoint Business dashboard.