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Ivy Nzioka (Unlicensed)

Ivy Nzioka (Unlicensed)

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  • When a client switches to Remita Direct Debit, will the loans that were disbursed before the switch still be debited by paystack? and what happens to the applications that were under review before the DD was turned on.


    Remita Direct Debit is loan-specific, so if the loan has Remita Mandate as the repayment method, it will use Remita Mandate, ditto for Paystack. If the application is under review and direct debit is activated on the loan product before approval, the APP will use Remita Mandate.

  • Which banks does Remita allows for automated mandate activation?
    1. FCMB
    2. Heritage
    3. Sterling Bank
    4. Jaiz
    5. Providus
    6.Keystone
    7. Wema Bank
    8. Fidelity Bank
    9. Zenith Bank

  • Staging credentials

    • Remita Automated mandate activation

      • otp= “1234”

      • card = “0441234567890"

Remita Statuses

  • 069 New Transaction

The status you have initiated a new direct debit request.

  • 070 Awaiting Debit

The status you have when a customer is yet to be debited.

  • 071 Undergoing Bank Processing - customer’s account have been deducted and the funds are in transit to your account. In process from the funding bank

  • 072 Pending Credit -  customer’s account have been deducted and the funds are in transit to your account. At the beneficiary’s bank awaiting to get credit.

    071, 072 - Both cases the customer has been debited

  • 073 Invalid Mandate Type - not a DD or a SO. A DD is a customer giving a third party consent to deduct from my account and period it will last and amount while a SO giving an instructions .third party is not  

  • 074 No Available Record - no record of any debit instruction

  • 00 Transaction Completed Successfully (Record Found) - opposite for 074

  • 01 Approved (Direct Debit Instruction Successful) - money has hit the third party’s account

  • 075 Mandate Already Active - trying to activate a mandate that is already active

  • 066 Mandate Deactivated - mandate is deactivated

  • 067 Only Direct Debit Mandate Allowed - trying to mix between the mandate type i.e. DD and SO

  • 013 Invalid Hash Value - hashing takes place 

  • 061 Invalid Mandate - sending a instruction with an incorrect mandate ID correct request ID

  • 062 Mandate Not Due - Trying to issue an instruction before the start date

  • 063 Expired Mandate - Trying to issue an instruction after the end date. Cannot initiate a new one.

  • 020 Authentication Error (Invalid User Authentication) - trying issue an instruction with a either correct request ID with incorrect mandate ID or incorrect request ID with correct mandate ID or both an incorrect

  • 040 Initial Request OK (Mandate Setup Completed Successfully) - a new mandate has been successfully created