Preview: 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 created and cannot be used for collections until it is confirmed via POST /accounts/{account_id}/payment_instrument_mandates/{payment_instrument_mandate_id}/confirm.

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

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

A customer account can have at most one confirmed mandate per debtor bank account.

An event with type payment_instrument_mandate.created will be created.