Product
Capitec Recurring
Bank-authenticated recurring collections from Capitec Bank clients. Dispute-resistant, digitally confirmed, and built for South Africa's fastest-growing customer base.
Capitec Recurring is a bank-authenticated collections product specifically built for businesses collecting recurring payments from Capitec Bank clients. It functions similarly to DebiCheck in principle, the customer confirms the debit mandate directly through Capitec's banking infrastructure before the first collection runs, but is tailored to Capitec's own authentication protocols and digital channel ecosystem.
With Capitec Bank now one of South Africa's largest retail banks by active users, businesses that serve the mass market cannot afford to ignore the Capitec client base. Capitec Recurring gives those businesses a compliant, secure, and dispute-resistant way to collect monthly premiums, loan repayments, subscription fees, or any other recurring obligation from Capitec customers, with mandate confirmation happening seamlessly through the Capitec app.
Because mandates are bank-authenticated, collections processed under this product carry significantly lower dispute and reversal risk than unauthenticated EFT Debits. RealPay handles the full integration to Capitec's collection infrastructure, making implementation straightforward for businesses already using the RealPay platform.
What's included
Capitec-Specific Authentication
Mandates are confirmed by the customer directly within the Capitec banking app, using Capitec's own authentication protocols, giving collections the dispute resistance of a bank-authenticated product.
High Dispute Resistance
Once a mandate is authenticated, collections that fall within the agreed terms cannot be reversed by the customer or Capitec Bank. Your recurring revenue is protected from unnecessary reversals.
Access to South Africa's Fastest-Growing Bank
Capitec's rapid growth means a significant and expanding share of the South African consumer population banks with Capitec. This product ensures your collections infrastructure keeps pace with that shift.
Seamless Digital Onboarding
Customers receive a mandate request through their Capitec banking app and can approve it in seconds, no physical paperwork, no branch visits, no friction.
Recurring Revenue Stability
Bank-authenticated mandates create a stable, predictable recurring collections cycle. Fewer disputes, fewer reversals, and less operational time spent managing collection failures.
Who it’s for
Capitec Recurring is suited for any South African business with a significant Capitec customer base collecting on a recurring basis:
- Insurers and short-term insurance providers collecting monthly premiums
- Micro-lenders and credit providers collecting loan repayments from Capitec account holders
- Subscription and service businesses billing Capitec customers monthly
- Employers or payroll businesses deducting recurring obligations from Capitec payroll accounts
- For anyone who needs secure payment solutions
Frequently asked questions
Is Capitec Recurring the same as a standard debit order?
No. It is a bank-authenticated collections service specific to Capitec Bank clients. The customer confirms the mandate through the Capitec app before any collection runs, providing dispute resistance that standard debit orders do not offer.
How does the customer approve the mandate?
The customer receives a mandate request through their Capitec banking app and authenticates it using their existing Capitec security credentials, typically a PIN or biometric. The process takes seconds.
What makes Capitec Recurring dispute-resistant?
Because the mandate is confirmed by the customer at bank level, collections within the agreed terms are non-reversible. There is no grounds for the customer to dispute a payment they have already authenticated through their own bank.
Is this product only for Capitec Bank clients?
Yes. Capitec Recurring is a dedicated channel for Capitec Bank customers. For collections from other bank customers, RealPay offers DebiCheck, EFT Debits, and other product options.
Can Capitec Recurring be used alongside other collection products?
Yes. Most businesses using Capitec Recurring also use DebiCheck or EFT Debits for collections from clients at other banks, running all products through the same RealPay integration.
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