Collect payments and make payments
Enjoy higher collection success rates from your customers effortlessly through one of our payment streams and services.
I want to collect payments
Seamlessly offer your customers an easy, automated electronic payment method.
I want to make payments
Make electronic payments to your customers or employees in a secure environment where risks are reduced.
DebiCheck
An advance debit order solution, where payment instructions are processed early in the morning. Multiple presentments are supported through Tracking, and payment instructions are authenticated by Consumers, thereby reducing the probability of disputes.
How DebiCheck Works
The consumer will have to electronically confirm the mandate details at the start of the contract on a once-off basis.
The purpose of this electronic confirmation is for the customer to authorise the debit order with their bank and for their bank to log the mandate information in the bank’s DebiCheck Mandate Register.
Electronic authentication mechanisms are bank dependent and can be done through various channels such as internet banking, mobile banking apps, by:
USSD on the customer’s cell phone, at ATMs, and face-to-face by the customer using their bank card and PIN on a Point of Sale (POS) Device.
The most significant benefit of this is that both parties officially agree to and are fully aware of the terms of the mandate at the start of the contract, thereby decreasing the customer’s chances of successfully disputing future debit orders for reasons such as cash flow management.
I want to collect payments
Seamlessly offer your customers an easy, automated electronic payment method.
EFT Debits
An ideal and cost-effective solution for debit orders that are not time-sensitive
Debit & Credit Card Payments
Providing access to, and processing of debit and credit card transactions in real-time
I want to make payments
I want to make payments Make electronic payments to your customers or employees in a secure environment where risks are reduced.
DebiCheck Authentication Mechanisms
TT1 Real-Time
The consumer must respond to the authentication request within 120 seconds. Authentication channels: USSD Push on Cell Phone or Mobile Banking Application.
TT1 Delayed
The consumer must respond to the Authentication Request before 22:30 on the same day that the request was sent, using one of the Authentication Channels available at their bank.
These Authentication Channels include ATM, Online Banking, Mobile Banking App, the customer’s Bank Branch or Call Centre.
TT2 Batch
Similar to TT1, TT2 is typically a non-face-to-face Mandate Authentication Transaction Type.
TT2 Authentication Requests are processed in batch by the Debtor Bank, allowing delayed mandate authentication.
The consumer has until 21:00, two days from and including the day that the authentication request was received by the consumer, failing which will result in mandate authentication failure. Authentication channels: ATM, Online Banking, Mobile Banking Application, Debtor Bank Branch visit, Debtor Bank Call Centre.
TT3 Card & PIN
TT3 is a real-time, face-to-face Mandate Authentication Transaction Type
It can only be performed when the customer is physically present to use their bank card and PIN on the Point of Sale (POS) Device. Here, the customer’s bank card and PIN are the authentication mechanism to verify their identity with their bank.
The Authentication Request and Response is performed in real-time, and TT3 Authentication can occur between 00h30 – 23h30.Authentication Channel: Bank card and PIN on the Point of Sale Device.
Registered Mandate Service
The Registered Mandate Service (RMS) has been approved by the South African Reserve Bank as a mechanism to facilitate a smooth transition to DebiCheck, specifically where the cell phone contact details of a consumer are outdated at their bank. RMS has been implemented to address the “No Response from the Debtor” responses that occur during TT1 Real-Time, TT1 Delayed, and TT2 Batch Authentication Transaction Types.
You will still be able to collect during the early morning window as all RMS transactions will be processed during the Second Processing Window.
The RMS service will not be automated. Automation in this context means that if there is “No Response from the Debtor”, it does not automatically imply the payment instruction will be registered as an RMS – there must be a further instruction from you to indicate that the specific payment instruction should be registered as an RMS.
Why We’re Best Equipped to Manage Your Authenticated Collections
Benefits of DebiCheck:
Customized Solutions & Devices
Our solutions and devices are specifically customized according to your DebiCheck requirements.
Assisting With Authenticated Collections
We have been Authenticating debit orders since 2006 through our participation in the AEDO payment stream where authenticated debit orders have been created in both an office and mobile environment. We can assist you with all your DebiCheck requirements.
We Support all DebiCheck Transaction Types being TT1 Real-time, TT1 Delayed, TT2 Batch and TT3 Card and PIN authentication.
Benefits of DebiCheck:
Enabling Higher Collection Success Rates
Because DebiCheck installments are processed early in the morning and should be aligned with when consumers receive their salaries / wages, your chances of receiving an “Insufficient Funds” response from the bank when attempting to debit your consumer’s account significantly decrease when compared to debit orders processed later in the day.
Credit Tracking Functionality
When using the tracking functionality, debit orders that have failed due to “insufficient funds” can go into tracking, which means the installment will be represented for multiple days (maximum 10 days) after the original presentment day or date.
No Presumption of Payments
By providing you with response codes, you receive a definitive answer regarding the status of the debit order on a near real-time basis – You’ll know which debit orders have and haven’t been paid or are still in tracking.
How would you like to access DebiCheck?
ALLPS-i
ALLPS-i is an advanced, web-based front-end collection and payment management solution
Integrated Solutions
We offer a range of integration options – from file based to web services solutions
I want to make payments
I want to make payments Make electronic payments to your customers or employees in a secure environment where risks are reduced.
eWallet
Open and make payments to eWallets on a real-time basis, negating the requirement of a bank account
Bank Accounts
Payments can be made to any South African Bank account supporting credit payments
