Debit Customers Bank Accounts

Monoova provides a flexible and scalable way to debit customer accounts and fund your ledger. This guide walks through three primary methods for funding a ledger:

PayTo (NPP) (Preferred)
Direct Debit (BECS) fallback
Manual Deposit via PayID or BSB/Account fallback

All funds settle into your Monoova Ledger, either directly in production or via transfer in the sandbox.

Step 1: PayTo Debit (Primary Method)

PayTo provides real-time debiting of a customer's bank account through an approved Payment Agreement.

Endpoint

POST https://sand-api.monoova.com/au/payto/pam-v1/PaymentInitiation

Auth

Bearer Token (from Step 4 of onboarding)

Request

{ "paymentAgreementUID": "BOBSBUILDERS1", "paymentInitiationUID": "BillPaymentBatch1", "paymentDetails": { "amount": "950", "lodgementReference": "Debit for Bill payment Batch 1" } }

Response

{ "paymentAgreementUID": "BOBSBUILDERS1", "paymentInitiationUID": "BILLPAYMENTBATCH1", "nppInstructionId": "MOPYAUS1XXXI20250606008007217416540", "paymentInitiationStatus": "ACSC", "paymentInitiationStatusDescription": "Accepted & Settled", "mmsId": "cbca2a8617b511dc822db0cc2db500b6", "traceId": "fb69b957-d6d2-403b-9ff3-9058504c3665" }

Result

Funds settle instantly to the ledger account you specified during onboarding.

Step 2: Check Ledger Balance

After any funding event (PayTo, Direct Debit, etc.), confirm the balance.

Endpoint

GET https://api.m-pay.com.au/ledger/v1/balance/{ledgerAccountNumber}

Response

{ "durationMs": 143, "status": "Ok", "statusDescription": "Operation completed successfully", "automatcherBankAccountNumber": "917567642", "balance": 950.0000, "ledgerAccountNumber": "6279059712214060", "ledgerUniqueReference": "1749113750331x889097018231972200", "name": "Bill Pay" }

Step 3: Direct Debit (Fallback Method)

When PayTo is unavailable, you can use a traditional BECS Direct Debit as a fallback. In production, this takes T+2 for settlement.

Endpoint

POST https://api.m-pay.com.au/financial/v2/transaction/execute

Request

{ "totalAmount": 1500, "paymentSource": "directDebit", "lodgementReference": "ABCD-123", "uniqueReference": "DDforBobsBuilders", "description": "Direct debit transaction for bills", "directDebit": { "bsbNumber": "802950", "accountNumber": "22090100", "accountName": "Bobs Builders" } }

Response

{ "totalAmount": 1500, "paymentSource": "directDebit", "lodgementReference": "ABCD-123", "uniqueReference": "oDDforBobsBuilders", "description": "Direct debit transaction for bills", "directDebit": { "bsbNumber": "802950", "accountNumber": "22090100", "accountName": "Bobs Builders" } }

Sandbox Note

In sandbox, the funds will settle to your mAccount, not the ledger. You must manually transfer them.

Move funds to ledger

Endpoint: POST https://api.m-pay.com.au/financial/v2/transaction/execute

Request

{ "totalAmount": 1500, "disbursements": [ { "disbursementMethod": "mWallet", "toMWallet": "6279059712214060", "amount": 1500 } ], "uniqueReference": "MoveDDtoLedger" }

Response

{ "durationMs": 572, "status": "Ok", "statusDescription": "Operation completed successfully", "callerUniqueReference": "MoveDDtoLedger", "transactionId": 50555805 }

Step 4: Manual Deposit (PayID / BSB Fallback)

If the customer prefers to transfer funds manually, you can display their PayID or BSB/account number.

No API Required

Simply show the ledger deposit information:

PayID (auto-generated from onboarding step)
BSB: 802-985
Account: 917567642

Notes

PayID enables real-time NPP deposits
BSB/Account supports traditional EFT
In sandbox, deposits via PayID or BSB are not simulated
In production, they settle directly to the ledger

Summary

Method	Settlement Time	API Call	Destination
PayTo	Real-time	Yes	Ledger
Direct Debit	T+2	Yes	mAccount → transfer to ledger
PayID	Real-time	No	Ledger

You can safely combine all three methods to provide a robust and reliable account funding experience for your users.