Product
DebiCheck
South Africa's bank-authenticated debit collection system. Eliminate disputes, secure mandates, and protect your recurring revenue from day one.
DebiCheck is South Africa's mandated authenticated collections system, built to give businesses near-total protection against unauthorised debit reversals. Unlike standard debit orders, DebiCheck requires the customer to digitally confirm their mandate details, amount, date, and frequency, directly with their bank before the first collection can run. That bank-level confirmation is what makes DebiCheck uniquely powerful: once authenticated, the mandate is locked in, dispute-resistant, and compliant with South African Payments Association (PASA) regulations.
For businesses that depend on recurring revenue, insurance, lending, subscriptions, utilities, DebiCheck removes the single biggest threat to cash flow stability: the disputed debit. RealPay's DebiCheck integration supports all three authentication types (TT1, TT2, TT3) and processes collections in the early morning window, ahead of standard debit orders, maximising your fund collection success rate.
What's included
Upfront Mandate Authentication
The customer confirms debit details electronically with their own bank, before a single cent is collected. This creates a legally binding, bank-verified mandate that dramatically reduces your exposure to disputes.
Dispute-Resistant Collections
Authenticated DebiCheck payments cannot be reversed by the customer's bank outside of mandate terms. Your collections are protected, your revenue is secured, and your reconciliation is cleaner.
Early Processing Window
DebiCheck collections are submitted and processed before standard EFT debit orders each morning, giving your business a material advantage in fund collection success rates, especially critical for large, high-volume portfolios.
Fraud and Dispute Elimination
By requiring bank-level authentication at mandate setup, DebiCheck significantly reduces exposure to fraudulent debit order submissions and unauthorised collection disputes, protecting both your business and your customers.
Flexible Authentication Methods
Supports Real-Time (TT1), Delayed (TT2), and Point-of-Sale (TT3) mandate authentication, meaning you can onboard customers via banking app, SMS, or in-person card terminal, depending on your business model.
Who it’s for
DebiCheck is the right solution for any South African business that collects recurring payments from consumers. It is especially well-suited for:
- Insurance companies and short-term insurers processing monthly premiums
- Micro-lenders and credit providers collecting loan repayments
- Subscription businesses needing guaranteed, dispute-free monthly billing
- Utilities and municipalities with large recurring consumer collections portfolios
- For anyone who needs secure payment solutions
Frequently asked questions
What is the main benefit of DebiCheck over a standard debit order?
DebiCheck requires the payer to confirm the mandate with their bank before the first collection can start. This bank-level authentication makes the transaction dispute-resistant, something a standard debit order cannot offer.
Can a customer reverse or dispute a DebiCheck payment?
No. Once a payment is collected within the agreed mandate terms, the bank cannot reverse it. This gives your business high payment finality and protects your revenue from unnecessary losses.
How long does it take for a customer to authenticate a DebiCheck mandate?
With TT1 (real-time authentication), the customer can approve the mandate immediately via their banking app or USSD channel, often within seconds of receiving the request.
What is a DebiCheck TT3 mandate and how is it used?
TT3 is the Point-of-Sale mandate type. It allows businesses to capture and authenticate a customer's debit mandate instantly at a physical card terminal, ideal for face-to-face onboarding environments.
Does DebiCheck guarantee that recurring collections will always succeed?
DebiCheck guarantees the validity of the mandate and provides strong dispute protection. Actual collection success still depends on the customer having sufficient funds on the debit date, but the dispute risk is near-eliminated.
Is DebiCheck a regulatory requirement in South Africa?
PASA has mandated the DebiCheck system for new consumer debit orders in South Africa. Businesses that collect from consumers are increasingly required to migrate to DebiCheck for compliance.
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Included features
Optional add-ons