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. 

 

Not sure if DebiCheck is right for your business?

Speak to a Payment Advisor to assess if DebiCheck or standard debit orders are best for your use case.

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How does DebiCheck work?

DebiCheck works for consumers, ensuring agreements are kept, fraud and disputes are reduced, and trust is won. 

Here is what the DebiCheck process will look like:

The Business' Journey:

The Customers Journey:

  • 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

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FAQs

Can clients edit a DebiCheck authentication once it’s submitted?
No. Once a DebiCheck mandate has been authenticated, it cannot be edited. If changes are required, a new mandate must be completed and resubmitted.
Can clients dispute DebiCheck mandates?
Yes. A client can dispute a DebiCheck debit order if the amount or date differs from what they authenticated. If you process a debit order without authentication (such as with a Registered Mandate Service), your client may dispute your authority and request a reversal.
Can I resend a DebiCheck authentication to my client?
Yes. You can resend an authentication in your Netcash account by going to the DebiCheck container in the Masterfile and clicking the circular arrow icon next to the contract you want to resend.
What happens if a client does not approve or decline a DebiCheck authentication request?
If the request expires without action, you may register a Registered Mandate Service (RMS) Mandate with the same contract details. RMS mandates do not require client authentication, but clients can still dispute or suspend them.
What are the cut-off times for DebiCheck batches at Netcash?
DebiCheck batches must be authorised at least one working day before the processing date. For example, if you authorise a batch on Wednesday by midnight, it will be processed on Friday.
Do standard rules apply to RMS transactions if there is no client response?
Yes. If no response is received, the system will convert the mandate to an RMS after receiving feedback from the bank.
Can RMS transactions be disputed by clients?
Yes. RMS transactions are not authenticated by the client, so they may be disputed or reversed.
Is it mandatory to include an amount in the DebiCheck authentication?
Yes. Every DebiCheck authentication must include a specific amount.
What are valid action dates for DebiCheck transactions?
Valid action dates are Monday to Saturday.
Which days can be used for tracking DebiCheck transactions?
Tracking can be performed from Monday to Sunday.
DebiCheck

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