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Mono is a direct debit payment method in Nigeria. Customers pay straight from their Nigerian bank account: they sign in to their bank through Mono and authorize the debit, with no card needed. Payrails processes Mono through Flutterwave. Pick the PSP below for its setup steps and request examples.

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How a Mono payment works

Mono is a redirect payment method:
  1. The customer selects Mono at checkout.
  2. Payrails returns a redirect URL from the PSP, and the customer goes to the PSP’s payment page.
  3. The customer signs in to their bank account through Mono and authorizes the debit.
  4. The PSP sends the customer back to your returnInfo URL.
  5. Payrails receives the final result from the PSP and updates the payment.
Each payment is single-use: the customer authorizes every payment on its own. Payrails captures Mono payments immediately, so a successful payment is final. To return funds, refund the payment.

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Supported currencies and countries

Mono supports NGN (Nigerian naira) as its only presentment currency.

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Integrate Mono

Choose the PSP that processes Mono for you. The guide covers the PSP-side setup, the Payrails configuration and the request fields that PSP requires.

Flutterwave

Mono via Flutterwave

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Check PSPs

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Ways to integrate Mono

  • Payrails SDK: the Web SDK shows Mono when your workflow returns it as a payment option, and redirects the customer to the PSP’s payment page. To control how the redirect opens, listen for the actionRequired event.
  • Payrails API: call lookup payment options, then authorize with monoDirectDebit as the paymentMethodCode. The PSP guide lists the meta fields that PSP requires.
In both cases, confirm the final result through webhook notifications or the execution status. Don’t treat the customer’s return to your success URL as proof of payment.
Last modified on October 5, 2026