Feature

Non-Disputable

Once paid, paid for good, non-disputable payments protect your revenue from chargebacks, reversals, and unauthorised disputes.

Non-disputable payment capability means that once a transaction is successfully completed, neither the customer nor their bank can reverse it. This is one of the most commercially significant features in the RealPay product suite, because every disputable payment in a portfolio represents a potential revenue reversal that your business has already counted on. Non-disputable status is achieved through two distinct mechanisms: bank-level mandate authentication (DebiCheck, Capitec Recurring), and credit-push payment where the customer actively initiates and authenticates the transfer (Instant EFT, PayShap, Absa Pay, Capitec Pay, Nedbank Pay). In both cases, the payment is considered final by the banking system.

How it works

For authenticated debit products, the customer's bank records the mandate approval before collections begin. Any collection that falls within the agreed mandate terms is treated as authorised and cannot be reversed. For credit-push products, the customer's own authentication of the outgoing transfer creates the same finality, no third party can reverse a payment the account holder actively sent.

Business value

  • Eliminates revenue lost to fraudulent or opportunistic payment disputes
  • Reduces the operational cost of managing dispute cases, re-collections, and customer follow-up
  • Provides payment finality that enables immediate fulfilment without holding orders pending clearance risk
  • Improves investor and board confidence in recurring revenue figures by removing dispute rate exposure

Included in

Absa Pay

Let Absa Bank customers pay you instantly through their banking app. Final, fraud-free, and confirmed within seconds.

  • Instant Payments
  • Non-Disputable
  • Integration Ease (API Access)
Customers (B2C)

Capitec Pay

Give Capitec Bank customers a fast, trusted payment experience. Instant, non-reversible, and authenticated through their own banking app.

  • Instant Payments
  • Non-Disputable
  • Integration Ease (API Access)
Customers (B2C)

Capitec Recurring

Bank-authenticated recurring collections from Capitec Bank clients. Dispute-resistant, digitally confirmed, and built for South Africa's fastest-growing customer base.

  • Recurring Payments
  • Tracking
  • Non-Disputable
  • Integration Ease (API Access)
Customers (B2C)

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)
Businesses (B2B)Customers (B2C)

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)
Businesses (B2B)Customers (B2C)

Instant EFT

Let customers pay directly from their bank account, instantly, securely, and without disputes. Same-day settlement, zero chargebacks.

  • Instant Payments
  • Non-Disputable
  • Integration Ease (API Access)
Customers (B2C)

Nedbank Pay

Give Nedbank customers a fast, secure way to pay directly from their banking app. Instant confirmation, zero chargebacks, no card details required.

  • Instant Payments
  • Non-Disputable
  • Integration Ease (API Access)
Customers (B2C)

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)
Businesses (B2B)Customers (B2C)

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)
Businesses (B2B)

Available as add-on in

Card Payments Solutions

Accept Visa and Mastercard payments across in-person, online, and mobile channels, with built-in tokenisation for seamless recurring billing.

  • Recurring Payments
  • Instant Payments
  • Tracking
  • Integration Ease (API Access)
Customers (B2C)

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)
Businesses (B2B)Customers (B2C)

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
Businesses (B2B)Customers (B2C)