Mono via Flutterwave

Accept Mono direct debit payments from customers in Nigeria with Flutterwave as the payment service provider (PSP). The customer selects Mono, authorizes the debit from their bank account on the Flutterwave payment page and returns to your site.

Supported workflows

Before you begin

Complete these steps before you send your first Mono payment through Flutterwave:

Set up a Flutterwave integration in your workspace. Contact your Payrails account team if Flutterwave isn’t listed in your Payrails Portal yet.
In the Flutterwave dashboard, go to Settings → Business Preferences → Payment Methods and enable account payments through Mono.
In the Payrails Portal, go to Settings → Integrations, open your Flutterwave integration, select Direct Debit Via Mono under Payment methods, and save.
Add Mono as a payment option in your workflow.

Request fields for Flutterwave

Send these fields in the authorize request, in addition to the standard authorize fields. Required fields must be present for the payment to succeed. Payrails sends Optional fields to the PSP when you include them.

Field	Status	Description
`amount.currency`	Required	Must be `NGN`. Payrails rejects Mono requests to Flutterwave in any other currency.
`meta.customer.email`	Required	Sent to Flutterwave as the customer email.
`meta.customer.name`	Optional	Sent to Flutterwave as the customer name.
`meta.customer.phone`	Optional	Sent to Flutterwave as the customer phone number. Payrails joins the country code and the number.

Authorize a Mono payment

Call authorize a payment with monoDirectDebit as the paymentMethodCode. The response includes the redirect to the Flutterwave payment page.

Authorize request

{
  "amount": {
    "value": "15000.00",
    "currency": "NGN"
  },
  "paymentComposition": [
    {
      "integrationType": "api",
      "paymentMethodCode": "monoDirectDebit",
      "amount": {
        "value": "15000.00",
        "currency": "NGN"
      }
    }
  ],
  "meta": {
    "customer": {
      "email": "emeka.obi@example.com",
      "name": "Emeka Obi",
      "phone": {
        "countryCode": "+234",
        "number": "8012345678"
      }
    }
  },
  "returnInfo": {
    "success": "https://example.com/success",
    "error": "https://example.com/error"
  }
}

After the customer authorizes the debit, Flutterwave returns them to your success or error URL. Confirm the result through webhook notifications or the execution status before you fulfill the order.

How Flutterwave handles Mono

Payrails sends the payment to the Flutterwave hosted payment page with account payment as the only payment option. With NGN, Flutterwave offers the account payment through Mono.
When the customer returns, Payrails fetches the transaction from Flutterwave to confirm the result. Flutterwave also notifies Payrails of the final result.
To return funds after a successful payment, refund it. Flutterwave supports full and partial refunds.

Getting Started

Payment Orchestration

Token Vault

Analytics & Reporting

Fraud Management

Chargebacks

Monitoring

Resources

Use Cases

Supported workflows

Before you begin

Request fields for Flutterwave

Authorize a Mono payment

How Flutterwave handles Mono

​Supported workflows

​Before you begin

​Request fields for Flutterwave

​Authorize a Mono payment

​How Flutterwave handles Mono

Supported workflows

Before you begin

Request fields for Flutterwave

Authorize a Mono payment

How Flutterwave handles Mono