APIs must be called in a logical order: you must have a Creidtor Scheme ID before you create a mandate. You cannot create a payment without first creating a mandate.
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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 may be a BACS or a SEPA CORE scheme) you can begin to add new mandates.
  4. Mandates have specific statuses (a Pending status, prior to signature for example). 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. Similarly For Bacs, payments must conform to the Bacs 3-day processing cycle.
  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.