=== STEP 1: Initiate Preapproval ===
HTTP Status: 200
Response: Code: 2000 | Customer is already preapproved
PASS: verificationType = USSD | preapprovalStatus = APPROVED

Already approved - skipping verification step.

=== STEP 4: Direct Debit Charge ===
HTTP Status: 401
Response: Code: 4101 | supplied API keys does not have "mobilemoney-receive-direct" in scopes.
FAIL: Charge request did not succeed.