Feature
Risk Reduction (Verification)
Verify bank accounts and identities before you collect or pay out, eliminate failed transactions, prevent fraud, and reduce costs before they hit.
Risk Reduction (Verification) is the practice of confirming a customer's or beneficiary's bank account details and identity in real time before any payment is initiated. It is the first line of defence against the most common and preventable causes of payment failure: incorrect account numbers, closed accounts, identity mismatches, and fraudulent submissions. Delivered through AVS-R, this capability sits outside the payment flow, it is not a payment method, it is a pre-payment gate. Before your business submits a debit collection or releases a credit payout, AVS-R confirms that the account is open, active, and belongs to the person or entity you believe you are paying.
How it works
The business submits a verification request via API or batch file containing the account number and ID number (or business registration number). AVS-R queries the bank's systems in real time and returns a structured confirmation: whether the account is open, what type it is, and whether the submitted identity details match the bank's records. The result is available in seconds and informs whether the payment should proceed.
Business value
- Reduces failed transaction rates by identifying invalid account details before submission
- Prevents fraud by flagging accounts linked to stolen identities or incorrect ownership details
- Saves on failed transaction fees, every prevented failure is a direct cost saving
- Supports KYC and KYB compliance obligations without separate identity verification infrastructure
Included in
AVS-R
Verify any South African bank account in real time, before you collect or pay out. Eliminate fraud, reduce failures, and protect your cash flow from preventable losses.
- Risk Reduction (Verification)
- Integration Ease (API Access)
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)
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)
Available as add-on in
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)
EnDO
Stop losing revenue to failed debit orders. EnDO's Smart Retry Logic automatically recovers collections that standard EFT leaves behind, purpose-built for Namibia.
- Recurring Payments
- Tracking
- Integration Ease (API Access)
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)