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Call Sequence Overview

When working with the Nuapay API you need to be aware that the sequence of requests is important. You cannot create a payment without first having created a mandate; you cannot create a mandate without first having a Creditor Scheme ID.

The following gives you a high-level view of the required stages:

  1. Before you can create mandates you must have a Creditor Scheme Identifier and a Merchant account. You will need to provide your account details to the Nuapay Support team when you are registering .

  2. The Nuapay Support team will create a Nuapay virtual account (IBAN). This account will link to your physical IBAN. The support team will also create a Creditor Scheme ID for you. These details will be shared with you.
  3. With your Nuapay account and Payment Scheme configured (this will generally be a SEPA CORE scheme) you can begin to add new mandates.
  4. Mandates have specific statuses (a Pending status, prior to signature; Active once signed). Your mandates must be in Active status before you can collect payments.
  5. Payment requests must be created a number of days prior to the desired collection date - this is a requirement of the SEPA scheme. In general payments may be created 2 business days before the desired collection date.
  6. As payments can fail for various reasons (insufficient funds in your payer's account or a disputed transaction, for example) from the time when the payment is first created up to a number of weeks after the payment, it is important to ensure that you account for any failed payments and design how your solution will handle these.