# Implementing mandates

## Prerequisites

Before a mandate can be set up, a [user](/products/tol/guides/users/users_onboarding_overview) must be onboarded and active on the Upvest platform.

## Creating a validated mandate

Once the user’s bank account details have been captured and a mandate is authorised, you can trigger a mandate creation request with

**POST** [`/payments/mandates`](/api/mandates/create_mandate) including a `confirmed_at` value.

Any additional mandate data required will be populated by Upvest.

**Example request**

{
  "user_id": "83d83ec2-d2ca-49ff-bbea-b92b5c3be202",
  "iban": "DE89000000000000000000",
  "bic": "ABCDEXXX",
  "confirmed_at": "2021-12-08T08:38:48.021Z"
}

**Example response**

{
  "id": "9c5a7dea-46f2-4502-b6b5-9902a53860e4",
  "created_at": "2020-08-24T14:15:22Z",
  "user_id": "83d83ec2-d2ca-49ff-bbea-b92b5c3be202",
  "iban": "DE8900**********0000",
  "bic": "ABCDEXXX",
  "creditor_name": "Creditor Company",
  "creditor_id": "DE98ZZZ09999999999",
  "creditor_address":{
    "address_line1": "Strasse 1",
    "address_line2": "Company GmbH",
    "postcode": "12345",
    "city": "Berlin",
    "state": "BE",
    "country": "DE"
  },
  "type":"RECURRENT",
  "confirmed_at": "2021-12-08T08:38:48.021Z"
}

- The bank account used for a user's mandate may differ from the user's reference bank account.
- All mandates created are assigned the type `recurring`.


## Next steps

Now you are ready to jump into [triggering direct debit funding](/products/tol/guides/payments/direct_debit/direct_debit_submitting).