We are excited to announce enhancements to our mandate activation process, designed to make it easier for you to track progress and provide better insights to your customers without needing to contact us for status updates. This guide will walk you through these new features and help you understand the various statuses and their descriptions.

Understanding Mandate Statuses

  1. Pending Mandate Activation

    • When a mandate is initially created, either during loan application or after account verification with direct debit set as the repayment method, it will be marked as "Pending Mandate Activation."

  2. Pending

    • Once your customer transfers the N50 fee to the bank account and it is received, the status changes to "Pending." The system then attempts to debit the customer’s account a fee of 100 naira to confirm sufficient funds.
    • The system will continue trying to debit the customer’s account until successful. You can click on each transaction to view the failure description and get guidance on how to assist the customer in activating the mandate successfully.

Viewing Transaction Details

To view these transactions, follow these steps:

  1. Navigate to Direct Debits under Customer Management.
  2. Select the mandate after clicking Reset at the top of the table to view NIBSS EASYPAY mandates.



    3. Open the mandate whose transactions you are trying to view.

    4. Select one of the failed transactions. Under Meta, the reason for failure will be displayed.


Common Transaction Descriptions

  • Do Not Honor

    • This occurs when the customer has placed a restriction on their bank account or the bank is unable to process the transaction at that moment. In this case, wait an hour or two after receiving a notification email from dd.lendsqr.com before reaching out to the customer.

  • Insufficient Funds

    • If the account lacks sufficient funds, this will be indicated under the transaction description. You should contact the customer and advise them to fund their account to enable successful mandate activation.

Transaction Status Indicators

  • Failed Transactions

    • Displayed with a red hue.

  • Successful Transactions

    • Displayed with a green hue and will show that the transaction went through. Wait at least an hour for the mandate to become fully active.


  • Pending Transactions

    • Displayed with an orange hue. This indicates that the system has not yet triggered the activation. Please be patient and check back later for updates.

Providing Better Service

We hope these updates will help you provide a better service to your customers. If you have any questions or need further assistance, feel free to reach out to us at support@lendsqr.com.


Happy lending!