Reduce disputes and enhance customer trust with DebiCheck
What is DebiCheck?
DebiCheck is a bank-verified debit order authentication system used in South Africa. It requires customers to approve debit order mandates electronically through their bank before any collections can take place. This reduces disputes, prevents fraud and protects both businesses and consumers.
DebiCheck is a debit order collection system that requires the customer (bank account holder) to give explicit permission for a debit order to be processed. Unlike standard debit orders, this is done electronically via their bank, before any debit order can be processed.
This drastically reduces the risk of debit order disputes and complaints to your business, while increasing your customers’ trust in the agreement they have approved.
DebiCheck does not replace Same-day and Dated debit orders, but can be used as an alternative. Using DebiCheck means that you gain pre-authentication from your customers, preferential presentation of the debit order by the bank, and can proactively decrease unpaids each month, by tracking bank accounts over a period.Â
Registered Mandate for unauthorised collections
Registered Mandate (RM) is a preferential debit order system that enables mandates to be registered with the bank without requiring the bank account holder to provide electronic authentication before a debit order is processed.
You can debit a bank account confidently as the mandate is registered and the account holder is subsequently notified by their bank. Registered Mandate extends the benefits of preferential debit order processing to both individual and business bank accounts, making it an ideal alternative where customer authentication is not required.
Registered Mandate does not replace Same-day and Dated debit orders but can be used as an alternative.
 Not sure if DebiCheck or Registered Mandate is right for your business?
Speak to a Payment Advisor to assess if DebiCheck or standard debit orders are best for your use case.
How does the Collection Process work?
DebiCheck
Registered Mandate (RM)
Netcash client
• Capture DebiCheck authentication details
manually in your Netcash account or,
• Upload DebiCheck authentication
requests.
• Capture details manually in your
Netcash account.
• Notification of a registered mandate is
sent to the account holder’s bank.
Netcash
• Submit authentication requests to the
account holder’s bank.
• Automatically updates the Masterfile
with debit order details.
• Confirm authentication results.
• Confirm Registered Mandate results
• Automatically updates the Masterfile with
debit order details.
Account holder’s bank
• Authenticates DebiCheck request by
various electronic channels with account
holder. Methods vary from bank to bank
and may include banking apps, USSD,
ATM or branch.
• Communicates results to Netcash.
• Confirmation sent to client that a
registered mandate has been loaded to
their bank account.
Account holder
• Receives authentication request.
• Verifies amount and terms of the
debit order.
• Accepts or declines the request.
• Notes the pending debit on their
account.
Settlement
• Successful collections will be credited to your Netcash account once payment is received
from the account holder’s bank.
• Bank accounts can be tracked for up to 10 days.
• After the tracking period has expired, unsuccessful transactions with zero values will be
processed to the Netcash account for ease of reconciliation.
Improve your collections with DebiCheck and Registered Mandate
Chat to us about your needs or apply for your account today.
FAQs
Let us contact you
Complete your details below and a Payment Advisor will contact you to discuss your payment needs.
Registered Mandate for unauthorised collections
What is DebiCheck?
DebiCheck is a bank-verified debit order authentication system used in South Africa. It requires customers to approve debit order mandates electronically through their bank before any collections can take place. This reduces disputes, prevents fraud and protects both businesses and consumers.
Registered Mandate (RM) is a preferential debit order system that enables mandates to be registered with the bank without requiring the bank account holder to provide electronic authentication before a debit order is processed.
You can debit a bank account confidently as the mandate is registered and the account holder is subsequently notified by their bank. Registered Mandate extends the benefits of preferential debit order processing to both individual and business bank accounts, making it an ideal alternative where customer authentication is not required.
Registered Mandate does not replace Same-day and Dated debit orders but can be used as an alternative.
 Not sure if DebiCheck or Registered Mandate is right for your business?
Speak to a Payment Advisor to assess if DebiCheck or standard debit orders are best for your use case.
How does the Collection Process work?
1.
Signs up for a new gym membership, insurance policy, retail account, or phone contract.2.
Captures or upload: - Electronic mandates with authentication requests, or - DebiCheck authentication details, or - DebiCheck authentication requests in their Netcash account.3.
Submits an authentication request to the customers’ bank via: Real-Time (TT1): For an immediate notification to the customer, providing a response time of 120 seconds to 1 day. Or, Batch (TT2): For grouping requests to multiple clients, sent out at once. The response time is up to 2 days.4.
Receives a notification from their bank to authenticate a new DebiCheck request via their banking app, USSD, ATM or branch.5.
Confirms the details of the agreement and approves or declines the DebiCheck request. Result is sent back to Netcash.6.
If approved, the agreed amount is debited on the payment date, and paid to the business.
Improve your collections with DebiCheck and Registered Mandate
Chat to us about your needs or apply for your account today.
FAQs
Let us contact you
Complete your details below and a Payment Advisor will contact you to discuss your payment needs.
