Introduction

Mono is a widely used alternative payment method in Nigeria that offers a convenient way for customers to pay for goods and services. Integrating Mono with Payrails allows you to provide a fast, easy-to-use payment option for your customers while leveraging our platform to route the payment to any Payment Service Provider (PSP). This guide will explain the process of integrating Mono into your app or website using Payrails.

Pre-requisites

Before you start accepting Mono payments with Payrails, there are a few requirements you must meet:

1. Integrate with Payrails using one of our SDKs or our API
2. Configure a new integration account for Mono via Flutterwave.
3. Enable Mono as a payment option.
4. Make sure you're sending the Mono specific meta fields (found under Merchant configurations -> Meta fields on your Payrails dashboard and in the examples below) in your requests.

Ways to integrate Mono

Payrails SDK

The simplest way to use Mono with Payrails is to use our drop-in in your checkout flow. With this integration type, no additional development work is required to accept payments with Mono.

Server-to-server integration

The simplest way to use Mono is by completely managing your own client-side implementation, and using Payrails APIs with a server-to-server integration to process payments with Mono. With this approach, follow the documentation below to build Mono into your applications:

Parse Mono from lookup response

With a server-to-server integration, you can call our lookup payment options endpoint to get available payment options and relevant configurations for each payment method. As the example below, you can see monoDirectDebit returned as an option of the paymentCompositionOptions. You can use this value later to authorize payments with Payrails as you can see in the next sections.

{
    "name": "lookup",
    "actionId": "0bb6413e-cabb-4074-99e6-9e815c69f25b",
    "executedAt": "2024-05-08T12:33:21.527395295Z",
    "data": {
        "paymentCompositionOptions": [
            {
                "integrationType": "api",
                "paymentMethodCode": "monoDirectDebit",
                "description": "MonoDirectDebit"
            }
        ]
    },
    "links": {
        "execution": "http://payrails-api.staging.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424",
        "authorize": {
            "method": "POST",
            "href": "http://payrails-api.staging.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424/authorize"
        }
    }
}

Pass Mono payment method in request to authorize payment with Payrails

You can then make a request to our authorize a payment endpoint with monoDirectDebit as the paymentMethodCode. See an example below:

{
  "executionId": "c0fd1c51-e709-47e5-bfd1-5d1c98f7d990",
  "amount": {
    "value": "1000",
    "currency": "NGN"
  },
  "paymentComposition": [{
    "integrationType": "api",
    "paymentMethodCode": "monoDirectDebit",
    "amount": {
      "value": "1000",
      "currency": "NGN"
    }
  }],
  "meta": {
    "order": {
      "lines": [{
        "id": "UUID",
        "name": "Order Name",
        "quantity": 1,
        "unitPrice": {
          "currency": "NGN",
          "value": "1000"
        }
      }]
    }
  },
  "returnInfo": {
    "success": "https://mysuccessurl.com",
    "error": "https://myerrorurl.com"
  }
}

Supported regions / countries

Supported workflows and services