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Configuring mandate consent for Paystack Direct Debit

Configure the Paystack Direct Debit hosted collection flow to collect bank account details and blocking mandate consent, so that Zuora can create the EFT Debit Order mandate and save the payment method.

Before you configure the flow, confirm the following:

  • Your Paystack gateway instance is configured in Zuora.
  • Paystack Direct Debit is enabled for the gateway instance.

Paystack Direct Debit requires customer consent before Zuora creates and saves the payment method. Zuora creates the mandate in Paystack only after the customer accepts the mandate terms, and saves the payment method only after Paystack creates the mandate successfully.

  1. Add the following fields to the hosted collection flow:
    • Bank Account Number
    • Account Type
    • Name on Account
    • Contact Email
    Note: Do not select the Bank Name field. Paystack populates the bank name automatically.
  2. Add the legal consent text to the flow.

    The consent text must explain that the customer authorizes the merchant to debit the specified bank account according to the applicable mandate terms.

  3. Configure the consent as blocking.

    The customer must accept the mandate terms before the form can be submitted. The form must not accept a submission from a customer who has not accepted the terms.

  4. Configure the flow to display the gateway error that Zuora returns when mandate creation fails.

    Prompt the customer to correct the payment details or submit the form again.

When the customer submits valid bank account details and accepts the consent text, Zuora creates the mandate in Paystack and saves the payment method with the mandate code and active state.

When Paystack cannot create the mandate, Zuora does not save the payment method and returns a gateway error.

Submit a test transaction in a sandbox environment to confirm that the consent blocks submission and that the saved payment method records the mandate code.