{
  "info": {
    "name": "Mono API",
    "description": {
      "content": "Mono open-banking REST API. Connect financial data, DirectPay payments, and Direct Debit mandates. Authenticated with the mono-sec-key header.",
      "type": "text/plain"
    },
    "schema": "https://schema.getpostman.com/json/collection/v2.1.0/collection.json"
  },
  "variable": [
    {
      "key": "baseUrl",
      "value": "https://api.withmono.com"
    },
    {
      "key": "monoSecKey",
      "value": "<your-secret-key>"
    },
    {
      "key": "accountId",
      "value": "<account-id>"
    },
    {
      "key": "mandateId",
      "value": "<mandate-id>"
    },
    {
      "key": "reference",
      "value": "<payment-reference>"
    }
  ],
  "item": [
    {
      "name": "Account Linking",
      "item": [
        {
          "name": "Initiate account linking",
          "request": {
            "method": "POST",
            "header": [
              { "key": "Content-Type", "value": "application/json" },
              { "key": "mono-sec-key", "value": "{{monoSecKey}}" }
            ],
            "url": {
              "raw": "{{baseUrl}}/v2/accounts/initiate",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "accounts", "initiate"]
            },
            "body": {
              "mode": "raw",
              "raw": "{\n  \"customer\": {\n    \"name\": \"Samuel Olamide\",\n    \"email\": \"samuel@example.com\"\n  },\n  \"meta\": { \"ref\": \"99008877TEST\" },\n  \"scope\": \"auth\",\n  \"redirect_url\": \"https://mono.co\"\n}",
              "options": { "raw": { "language": "json" } }
            }
          }
        },
        {
          "name": "Exchange token (auth)",
          "request": {
            "method": "POST",
            "header": [
              { "key": "Content-Type", "value": "application/json" },
              { "key": "mono-sec-key", "value": "{{monoSecKey}}" }
            ],
            "url": {
              "raw": "{{baseUrl}}/v2/accounts/auth",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "accounts", "auth"]
            },
            "body": {
              "mode": "raw",
              "raw": "{\n  \"code\": \"code_xyz\"\n}",
              "options": { "raw": { "language": "json" } }
            }
          }
        }
      ]
    },
    {
      "name": "Account Information",
      "item": [
        {
          "name": "Get account details",
          "request": {
            "method": "GET",
            "header": [ { "key": "mono-sec-key", "value": "{{monoSecKey}}" } ],
            "url": {
              "raw": "{{baseUrl}}/v2/accounts/{{accountId}}",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "accounts", "{{accountId}}"]
            }
          }
        },
        {
          "name": "Get account balance",
          "request": {
            "method": "GET",
            "header": [ { "key": "mono-sec-key", "value": "{{monoSecKey}}" } ],
            "url": {
              "raw": "{{baseUrl}}/v2/accounts/{{accountId}}/balance",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "accounts", "{{accountId}}", "balance"]
            }
          }
        },
        {
          "name": "Unlink account",
          "request": {
            "method": "POST",
            "header": [ { "key": "mono-sec-key", "value": "{{monoSecKey}}" } ],
            "url": {
              "raw": "{{baseUrl}}/v2/accounts/{{accountId}}/unlink",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "accounts", "{{accountId}}", "unlink"]
            }
          }
        }
      ]
    },
    {
      "name": "Transactions and Statements",
      "item": [
        {
          "name": "Get transactions",
          "request": {
            "method": "GET",
            "header": [ { "key": "mono-sec-key", "value": "{{monoSecKey}}" } ],
            "url": {
              "raw": "{{baseUrl}}/v2/accounts/{{accountId}}/transactions?paginate=false",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "accounts", "{{accountId}}", "transactions"],
              "query": [ { "key": "paginate", "value": "false" } ]
            }
          }
        },
        {
          "name": "Get bank statement",
          "request": {
            "method": "GET",
            "header": [ { "key": "mono-sec-key", "value": "{{monoSecKey}}" } ],
            "url": {
              "raw": "{{baseUrl}}/v2/accounts/{{accountId}}/statement?period=last6months&output=json",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "accounts", "{{accountId}}", "statement"],
              "query": [
                { "key": "period", "value": "last6months" },
                { "key": "output", "value": "json" }
              ]
            }
          }
        }
      ]
    },
    {
      "name": "Identity and Income",
      "item": [
        {
          "name": "Get identity",
          "request": {
            "method": "GET",
            "header": [ { "key": "mono-sec-key", "value": "{{monoSecKey}}" } ],
            "url": {
              "raw": "{{baseUrl}}/v2/accounts/{{accountId}}/identity",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "accounts", "{{accountId}}", "identity"]
            }
          }
        },
        {
          "name": "Get income",
          "request": {
            "method": "GET",
            "header": [ { "key": "mono-sec-key", "value": "{{monoSecKey}}" } ],
            "url": {
              "raw": "{{baseUrl}}/v2/accounts/{{accountId}}/income",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "accounts", "{{accountId}}", "income"]
            }
          }
        }
      ]
    },
    {
      "name": "DirectPay",
      "item": [
        {
          "name": "Initiate payment",
          "request": {
            "method": "POST",
            "header": [
              { "key": "Content-Type", "value": "application/json" },
              { "key": "mono-sec-key", "value": "{{monoSecKey}}" }
            ],
            "url": {
              "raw": "{{baseUrl}}/v2/payments/initiate",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "payments", "initiate"]
            },
            "body": {
              "mode": "raw",
              "raw": "{\n  \"amount\": 20000,\n  \"type\": \"onetime-debit\",\n  \"method\": \"account\",\n  \"description\": \"Order payment\",\n  \"reference\": \"ref-12345\",\n  \"redirect_url\": \"https://mono.co\",\n  \"customer\": {\n    \"email\": \"samuel@example.com\",\n    \"phone\": \"08012345678\",\n    \"address\": \"Lagos\",\n    \"identity\": { \"type\": \"bvn\", \"number\": \"00000000000\" }\n  }\n}",
              "options": { "raw": { "language": "json" } }
            }
          }
        },
        {
          "name": "Verify payment",
          "request": {
            "method": "GET",
            "header": [ { "key": "mono-sec-key", "value": "{{monoSecKey}}" } ],
            "url": {
              "raw": "{{baseUrl}}/v2/payments/verify/{{reference}}",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "payments", "verify", "{{reference}}"]
            }
          }
        }
      ]
    },
    {
      "name": "Direct Debit",
      "item": [
        {
          "name": "Create customer",
          "request": {
            "method": "POST",
            "header": [
              { "key": "Content-Type", "value": "application/json" },
              { "key": "mono-sec-key", "value": "{{monoSecKey}}" }
            ],
            "url": {
              "raw": "{{baseUrl}}/v2/customers",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "customers"]
            },
            "body": {
              "mode": "raw",
              "raw": "{\n  \"email\": \"samuel@example.com\",\n  \"phone\": \"08012345678\",\n  \"address\": \"Lagos\",\n  \"type\": \"individual\",\n  \"first_name\": \"Samuel\",\n  \"last_name\": \"Olamide\",\n  \"identity\": { \"type\": \"bvn\", \"number\": \"00000000000\" }\n}",
              "options": { "raw": { "language": "json" } }
            }
          }
        },
        {
          "name": "List customers",
          "request": {
            "method": "GET",
            "header": [ { "key": "mono-sec-key", "value": "{{monoSecKey}}" } ],
            "url": {
              "raw": "{{baseUrl}}/v2/customers",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "customers"]
            }
          }
        },
        {
          "name": "Initiate mandate authorisation",
          "request": {
            "method": "POST",
            "header": [
              { "key": "Content-Type", "value": "application/json" },
              { "key": "mono-sec-key", "value": "{{monoSecKey}}" }
            ],
            "url": {
              "raw": "{{baseUrl}}/v2/payments/initiate-mandate",
              "host": ["{{baseUrl}}"],
              "path": ["v2", "payments", "initiate-mandate"]
            },
            "body": {
              "mode": "raw",
              "raw": "{\n  \"amount\": 1000000,\n  \"type\": \"recurring-debit\",\n  \"method\": \"mandate\",\n  \"mandate_type\": \"emandate\",\n  \"debit_type\": \"variable\",\n  \"description\": \"Subscription mandate\",\n  \"reference\": \"mandate-ref-001\",\n  \"redirect_url\": \"https://mono.co\",\n  \"customer\": { \"id\": \"cus_xyz\" },\n  \"start_date\": \"2026-07-01\",\n  \"end_date\": \"2027-07-01\"\n}",
              "options": { "raw": { "language": "json" } }
            }
          }
        },
        {
          "name": "Mandate balance inquiry",
          "request": {
            "method": "GET",
            "header": [ { "key": "mono-sec-key", "value": "{{monoSecKey}}" } ],
            "url": {
              "raw": "{{baseUrl}}/v3/payments/mandates/{{mandateId}}/balance",
              "host": ["{{baseUrl}}"],
              "path": ["v3", "payments", "mandates", "{{mandateId}}", "balance"]
            }
          }
        },
        {
          "name": "Debit a mandate",
          "request": {
            "method": "POST",
            "header": [
              { "key": "Content-Type", "value": "application/json" },
              { "key": "mono-sec-key", "value": "{{monoSecKey}}" }
            ],
            "url": {
              "raw": "{{baseUrl}}/v3/payments/mandates/{{mandateId}}/debit",
              "host": ["{{baseUrl}}"],
              "path": ["v3", "payments", "mandates", "{{mandateId}}", "debit"]
            },
            "body": {
              "mode": "raw",
              "raw": "{\n  \"amount\": 50000,\n  \"reference\": \"debit-ref-001\",\n  \"narration\": \"Monthly subscription\"\n}",
              "options": { "raw": { "language": "json" } }
            }
          }
        }
      ]
    }
  ]
}