Mandates Overview

Banked's Mandates API enables you to establish secure, pre-authorized payment agreements with your customers using Australia's PayTo infrastructure. Built on the New Payments Platform (NPP), our REST-based API provides everything you need to integrate flexible, automated payment solutions that enhance customer experience while reducing payment friction.

This guide will walk you through:

1. Key Benefits: Understand the advantages of using Banked's Mandates API
2. Mandate Types: Learn about the different mandate use cases supported
3. PayTo Integration: Explore how mandates work with Australia's payment infrastructure
4. Implementation Flows: Discover setup and payment processing workflows

Key BenefitsCopy URL

• No Expiry Dates: Unlike card-on-file, PayTo mandates don't expire, eliminating payment update friction
• Real-time Authorization: Customers authorize mandates directly through their banking app
• Granular Control: Set specific limits, frequencies, and terms for each mandate type
• Reduced Failed Payments: Direct bank integration minimizes payment failures
• Enhanced Security: Bank-grade authentication and authorization for every mandate
• Transparent for Customers: Clear visibility and control through customer's banking interface

Mandate TypesCopy URL

Banked's Mandates API supports three primary mandate types to meet different business needs:

Account on FileCopy URL

Store customer payment credentials for future ad-hoc purchases with predefined transaction limits. Perfect for marketplace transactions, recurring purchases, and one-click checkout experiences.

Subscription ServicesCopy URL

Automate recurring payments for subscription-based products and services. Ideal for monthly software subscriptions, streaming services, membership plans, and utility payments.

PayTo Mandate FlowCopy URL

Understanding the PayTo mandate lifecycle is essential for implementation:

Recurring Agreement Flow

Recurring Payment Flow

Mandate Authentication & SetupCopy URL

Mandate creation and management are handled through secure checkout processes:

Getting StartedCopy URL

Ready to implement mandates? Follow our step-by-step guides:

Additional ResourcesCopy URL

Developer DocumentationCopy URL

• Authentication Guide - Set up secure API access
• Development Environments - Configure sandbox and production
• Request Signatures - Implement request signing for enhanced security

Support and CommunityCopy URL

• Mandate FAQs - Common questions about PayTo mandates
• Security Overview - Learn about our security practices and compliance
• Contact Banked Support for PayTo setup and technical assistance