Payment Flow

Verifications

Verify before you move money, real-time bank account and identity verification that protects every collection and payout before it leaves the platform.

Verifications is the pre-payment flow, the step that happens before any money moves, confirming that account details are correct, the account is active, and the identity submitted matches the bank's records. It is not a payment method; it is a risk control gate built into the payment workflow. RealPay's verification capability is delivered through AVS-R, which queries participating South African banks in real time and returns a structured confirmation of account status and identity match.

What this flow covers

  • Real-time bank account status checks (open, closed, active, dormant)
  • Account holder identity verification against bank records (ID number or Business Registration Number)
  • Account type confirmation (cheque, savings, transmission)
  • Pre-collection validation for debit submissions (EFT, EnDO, DebiCheck onboarding)
  • Pre-payout validation for disbursement batches (Payouts, Mobile Money)

Verification should be run at two key points, at customer onboarding (when a new account is captured) and before submitting any payout batch. Running AVS-R at both points provides comprehensive protection across the full payment cycle.

Products in this flow

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)
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)

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)