Customer Type
Businesses (B2B)
Built for businesses that collect from, pay, or sell to other businesses, RealPay's B2B payment products handle the complexity of corporate accounts and high-value transactions.
Business-to-Business (B2B) payments have different requirements to consumer payments. Corporate bank accounts often require dual-signatory authorisation. Transaction values are higher. Reconciliation needs are more complex. And the regulatory framework for collecting from business accounts, particularly in South Africa, requires specific product types that are not available in standard consumer collections flows. RealPay's B2B-compatible products address these requirements directly. Registered Mandate (RM) is the only compliant recurring collections product for South African juristic accounts. Payouts handles high-volume supplier payments, payroll runs, and agent disbursements. The TurnKey platform gives B2B operations teams a single dashboard to manage complex payment workflows across products and markets.
Key considerations
- Business accounts often cannot participate in DebiCheck, Registered Mandate is the correct collections solution
- B2B payouts are best handled through Payouts with pre-payment AVS-R verification
- API integration is common for B2B businesses that process payments within their own ERP or operations platform
- B2B businesses operating across multiple African markets benefit from TurnKey's centralised multi-country management
Suited products
DebiCheck
South Africa's bank-authenticated debit collection system. Eliminate disputes, secure mandates, and protect your recurring revenue from day one.
- Recurring Payments
- Tracking
- Non-Disputable
- Risk Reduction (Verification)
- Integration Ease (API Access)
E-Commerce
One payment gateway for cards and Instant EFT, with tokenisation for subscriptions, one-click checkout, and recurring billing built in.
- Recurring Payments
- Instant Payments
- Tracking
- Integration Ease (API Access)
EFT Debits
The most widely used recurring collections method in Southern Africa. Reliable, high-volume, and built for businesses that need to collect at scale.
- Recurring Payments
- Integration Ease (API Access)
Payouts
Disburse salaries, refunds, and supplier payments accurately and at scale, with built-in account verification to ensure every cent reaches the right account.
- Non-Disputable
- Integration Ease (API Access)
Mobile Money
Reach unbanked and underbanked customers across Africa. Accept and disburse payments directly through mobile wallets on MTN, Vodacom, Airtel, and more.
- Recurring Payments
- Instant Payments
- Integration Ease (API Access)
PayShap
South Africa's real-time interbank payment system. Send and receive money instantly, 24/7, using just a mobile number or ShapID.
- Instant Payments
- Non-Disputable
- Integration Ease (API Access)
RealPay TAP
Turn any NFC-enabled smartphone into a card terminal. Accept contactless payments in the field, on the floor, or on the go, no hardware required.
- Recurring Payments
- Instant Payments
- Tracking
Registered Mandate (RM)
The compliant recurring collections solution for business accounts and dual-signatory mandates. Where DebiCheck cannot reach, Registered Mandate takes over.
- Recurring Payments
- Tracking
- Integration Ease (API Access)
SaaS (RealPay TurnKey)
RealPay's all-in-one payments platform, collections, payouts, and verification in a single dashboard. Go live in days, not months.
- Recurring Payments
- Instant Payments
- Tracking
- Non-Disputable
- Risk Reduction (Verification)
- Integration Ease (API Access)
SUNMI P3 Smart Terminal
RealPay's flagship Android POS terminal, enterprise-grade hardware with a built-in printer, EMV certification, and all-in-one card acceptance for modern retail.