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The docs example was wrong. Use total_amount (not amount) as the top-level key in instalment_schedules.create_with_dates — e.g. total_amount: 10_000 for 100 GBP — and the 'Invalid document structure' error goes away. The maintainer fixed the documentation typo the same day. Source: https://github.com/gocardless/gocardless-pro-ruby/issues/83
Source: https://github.com/gocardless/gocardless-pro-ruby/issues/83