Create NIBSS GSI Mandate

Overview

The CreateNibssGSIMandateCommand creates a GSI (Growing Single Instruction) mandate via NIBSS. GSI mandates enable collections across multiple bank accounts linked to the borrower, ensuring recovery even if the primary account has insufficient funds.

Every mandate entry starts in Building (-1). Add all required same-BVN accounts, then call FinalizeNibssGSIMandateBatchCommand to move the batch to Draft (0, Ready for Submission). The background job does not select Building entries.

Command Details

• Command: CreateNibssGSIMandateCommand
• Type: Command

API Endpoint

POST /api/bpm/cmd

Request Structure

Field	Type	Required	Description
narration	string	No	Description for the mandate
productCode	string	Yes	Loan product code from loanProductConfiguration
branchCode	string	Yes	Originating branch code
organisationCode	string	Yes	Organisation code
clientCode	string	Yes	Client identifier code
payerName	string	Yes	Full name of the payer
payerAddress	string	Yes	Payer's address. A blank or non-address value is rejected before the batch is inserted.
amount	decimal	Yes	Total mandate amount
debitAmount	decimal	Yes	Amount per debit instalment
numberOfInstallments	int	No	Number of instalments (default: 1)
startDate	DateTime	Yes	Mandate start date
endDate	DateTime	Yes	Mandate end date
mobileNumber	string	Yes	Payer's mobile number
emailAddress	string	Yes	Payer's email address
tag	string	No	Optional tag for categorisation
accounts	array	Yes	Bank accounts to attach to the mandate

Each item in accounts:

Field	Type	Required	Description
accountNumber	string	Yes	Account number
bvn	string	Yes	Bank Verification Number
bankCode	string	Yes	CBN bank code
accountName	string	Yes	Account holder name

Try It Out

POST/api/bpm/cmdCreateNibssGSIMandateCommand

Base URL

Bearer Token

Request Body

{ "cmd": "CreateNibssGSIMandateCommand", "data": { "narration": "GSI mandate for multi-bank collection", "productCode": "PROD-LN-001", "branchCode": "BR-001", "organisationCode": "ORG-001", "clientCode": "CLT-001", "payerName": "John Doe", "payerAddress": "15 Marina Street, Lagos", "amount": 1000000, "debitAmount": 100000, "numberOfInstallments": 12, "startDate": "2026-04-01", "endDate": "2027-03-31", "mobileNumber": "08012345678", "emailAddress": "john@example.com", "tag": "gsi-loan", "accounts": [ { "accountNumber": "0012345678", "bvn": "22345678901", "bankCode": "058", "accountName": "John Doe" }, { "accountNumber": "2098765432", "bvn": "22345678901", "bankCode": "044", "accountName": "John Doe" } ] } }

Response Structure

{
  "response": {
    "mandates": [
      { "id": 5013, "accountNumber": "0012345678", "bankCode": "058", "status": "Building" },
      { "id": 5014, "accountNumber": "2098765432", "bankCode": "044", "status": "Building" }
    ]
  },
  "responseCode": "00",
  "responseDescription": "GSI mandates created successfully"
}

Related Operations

• Create NIBSS Mandate — Create a standard single mandate
• Manage a NIBSS GSI Batch — Add accounts and finalize the batch
• Retrieve NIBSS Mandates — List and search mandates