Payment Flow
Collections
Get paid, recurring, instant, or scheduled. RealPay's Collections flow covers every method your business needs to collect revenue reliably across Africa.
Collections is the inbound payment flow, money moving from your customers to your business. It is the foundation of any recurring revenue model, and the flow that most RealPay products are built around. RealPay supports collections across the full spectrum: bank-authenticated debit (DebiCheck, Capitec Recurring), standard and enhanced EFT (EFT Debits, EnDO, Real-Time Debit Orders), registered mandate (RM), instant payment (Instant EFT, PayShap, bank apps), card payments, in-person (RealPay TAP, SUNMI P3), mobile money, and the full-suite TurnKey platform.
What this flow covers
- Recurring debit collections from consumer and business bank accounts (DebiCheck, EFT, EnDO, RM, Capitec Recurring)
- Instant, non-disputable credit-push payments from customers (Instant EFT, PayShap, Absa Pay, Capitec Pay, Nedbank Pay)
- In-person card and contactless payments at the point of sale (RealPay TAP, SUNMI P3)
- Online card and Instant EFT via checkout gateway (E-Commerce)
- Mobile wallet collections from unbanked and underbanked customers (Mobile Money)
The best collections product depends on three factors, who your customers are (consumer or business accounts), how you need payments to flow (recurring or one-time), and how much dispute risk you can absorb. RealPay's sales team can help map the right product mix.
Products in this flow
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)
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)
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)
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)
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)
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)
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)
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)
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)
Real-Time Debit Orders
Faster recurring collections with real-time status visibility. Purpose-built for businesses operating in Lesotho, Botswana, and Eswatini.
- Recurring Payments
- Tracking
- 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.