Product
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.
EnDO (Enhanced Debit Order) is RealPay's intelligent collections product for Namibia, built on the standard EFT debit framework but enhanced with proprietary Smart Retry Logic that dramatically improves collection success rates. Where a standard debit order fails and stays failed, EnDO monitors the outcome and automatically resubmits the collection at the optimal time, recovering revenue that would otherwise be written off as a missed payment.
This makes EnDO particularly valuable for businesses with high-volume consumer collections portfolios where a small improvement in success rate has a meaningful impact on cash flow. It sits between a basic EFT Debit and a fully authenticated product like DebiCheck, simpler to implement than authentication-based products, but significantly more intelligent than a standard batch debit.
EnDO collections are unauthenticated (like standard EFT), meaning customers do not need to take any action for retries to occur. The system uses the original registered mandate to resubmit, keeping the process entirely automated on the business side.
What's included
Smart Retry Logic
When a collection fails due to insufficient funds or a soft rejection, EnDO automatically schedules and executes resubmission attempts at statistically optimal times, without requiring any manual action from your team.
Automated Revenue Recovery
Captures payments that would otherwise be permanently lost to temporary account issues. The retry engine works continuously in the background, maximising your monthly collection yield.
Simplified Mandate Management
Retries use the original registered mandate, no re-authorisation required from the customer, no additional friction, and no manual follow-up needed from your collections team.
Efficient High-Volume Batch Processing
Processes collections in bulk with enhanced failure reporting, giving your team clear visibility into which accounts are in retry cycles and which have been resolved.
Middle-Ground Solution
Easier to implement and manage than regulated authentication products, while significantly outperforming a basic EFT Debit in terms of collection success rates.
Who it’s for
EnDO is designed for Namibian businesses with recurring consumer collections portfolios where improving success rates without adding customer friction is a priority:
- Insurers collecting monthly premiums from large Namibian consumer bases
- Micro-lenders and credit providers collecting loan repayments
- Subscription and service businesses billing consumers on a regular cycle
- Businesses transitioning from manual collections to automated payment infrastructure
- For anyone who needs secure payment solutions
Frequently asked questions
What is the core difference between EnDO and a standard EFT Debit?
The core difference is Smart Retry Logic. A standard EFT Debit fails once and stays failed. EnDO automatically tracks and resubmits failed collections at the optimal time, significantly improving your overall collection success rate.
Does the customer need to do anything for a retry to occur?
No. EnDO uses the original registered mandate for all retry attempts, so the customer is not involved and does not need to re-authorise. The process is entirely automated.
Is EnDO an authenticated product like DebiCheck?
No. EnDO is an unauthenticated debit-pull product, built on the standard EFT framework. It does not require real-time bank authentication, making it simpler to set up while still delivering meaningfully better performance.
What types of failures does Smart Retry Logic handle?
The retry engine is most effective against insufficient funds, the most common failure reason. It also optimises resubmission timing based on account behaviour patterns to address other common soft failure types.
Where is EnDO available?
EnDO is RealPay's enhanced collections product for the Namibian market, operating through local payment infrastructure.
Available in
Suited for
Payment flow
Integration
Included features
Optional add-ons