LElemon
Payment Instrument Mandates

Create Payment Instrument Mandate

Changed on

<strong>Preview:</strong> This endpoint is a preview API and may change without a deprecation period.

Creates a SEPA Direct Debit mandate for the customer's bank account (the debtor account). The mandate is returned with status <code>created</code> and cannot be used for collections until it is confirmed via <code>POST /accounts/{account_id}/payment_instrument_mandates/{payment_instrument_mandate_id}/confirm</code>.

lemon.markets assigns the <code>mandate_reference</code> and the <code>creditor</code> data. Before confirmation, present the mandate to the customer together with the creditor and debtor data.

While the mandate is <code>created</code>, the response contains <code>sca</code>. When <code>sca.required</code> is <code>true</code>, the customer must sign <code>sca.challenge</code> with a registered authenticator and the signature must be sent when confirming the mandate.

A customer account can have at most one <code>confirmed</code> mandate per debtor bank account.

An event with type <code>payment_instrument_mandate.created</code> will be created.

post/accounts/{account_id}/payment_instrument_mandates

Request

Path parameters

account_idstring required

An account identifier.

Headers

LMG-Data-Privacy-Access-Principalstring required
LMG-Data-Privacy-Access-Justificationstring required
Idempotency-Keystring

An optional idempotency key to safely retry requests without creating duplicate resources. Pass a unique string (UUID recommended, max 100 characters). Retrying with the same key returns the mandate created by the first request. For full details see the Idempotency guide.

Request body

type'sepa_direct_debit' required

The payment method of the mandate. Only <code>sepa_direct_debit</code> is supported.

Example request

{
  "debtor": {
    "iban": "DE02120300000000202051",
    "bic": "BYLADEM1001",
    "account_holder_name": "Erika Mustermann"
  }
}

Response

Successful Response

idstring required

An identifier for the payment instrument mandate.

type'sepa_direct_debit' required

A category representing the payment method of a payment instrument mandate:

<ul> <li><code>sepa_direct_debit</code>: A SEPA Direct Debit (Core) mandate for recurrent collections. </ul>
mandate_referencestring required

The unique mandate reference, assigned by lemon.markets.

Example response

{
  "id": "pinst_mand_f3a42ba00cb84618a549d975662c90b3",
  "mandate_reference": "LM0A1B2C3D4E5F6G7H8J9K",
  "debtor": {
    "iban": "DE02120300000000202051",
    "bic": "BYLADEM1001",
    "account_holder_name": "Erika Mustermann"
  },
  "creditor": {
    "identifier": "DE98ZZZ09999999999",
    "name": "lemon.markets brokerage GmbH",
    "address": {
      "line_1": "Prinzessinnenstrasse 19-20",
      "postal_code": "10969",
      "city": "Berlin",
      "country": "DE"
    }
  },
  "sca": {
    "challenge": "K7_yR-7ZpTqgeWQ4-bx7Kg=="
  },
  "history": [
    {
      "timestamp": "2026-10-19T09:15:00.123456+00:00"
    }
  ]
}

Changes