Content Comparison

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• Creation of  mandate

• Activation of mandate

• Manual Mandate Activation

• Electrical Automated Mandate Activation

Intended Use

This feature introduces a new additional channel for debits collections other than leveraging only on cards. 

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This feature provides a process for a mandate to be created and activated on originateOriginate. The feature is initiated on Loan Approval.

This process can further be divided into two sub-processes namely Electronic Automated Mandate Activation and Manual Mandate Activation. 

How the Electronic Automated Mandate Activation works

Step A: Configure Rules on the Admin

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For Account Managers Use

Step 1: On adminAdmin, navigate to the Use Remita attribute as can be seen below.

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Step 2: When you check the use remita Use Remita checkbox, fill in the merchant's remita Remita credentials. These credentials include:-

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Step 4: Sign in to MP and navigate to the loan product that you would like to enable remita Remita direct debit and opt into late fees.

N/B: Ensure that the late fee type is fixed and the fee frequency is one-off otherwise you will not be able to turn on remita Remita on the loan product.

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Step 5: Finally, Still on MP, check the Require Debit Mandate Activation for Loan Disbursal checkbox. Now the feature is enabled and the customer can go ahead and apply for a new loan.

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• Is partial debit available with Remita Direct Debit?
  No it is not possible to make partial debit on Remita but the merchant can dechunk the mandates by creating smaller debits.
  

• How many times would Remita attempt to debit the customer’s account in a day
  Ignite attempts debit twice in a day so this means we issue a debit instruction to Remita on Ignite twice a day. When we issue a debit instruction, it's then up to Remita to keep attempting debit on the account until it's successful and they notify us.

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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