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. 

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.

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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.

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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?
es. 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), 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 (RM) with the same contract details. RM does 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.
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.
What is a DebiCheck mandate?
A DebiCheck mandate is the bank-held record of the debit order the customer approved. It sets the amount, dates and frequency. Collections have to match those terms.
Can I dispute a DebiCheck?
Yes, if the debit does not match the authenticated mandate (wrong amount, date or frequency). If it matches what they approved, a dispute is much harder. A Registered Mandate can still be disputed, because the customer did not authenticate it with the bank.
Can you reverse a DebiCheck debit order?
Sometimes. Reversal is possible if the collection is outside the approved mandate, or processed in error. Pre-authenticated DebiCheck debits are reversed less often than unauthenticated collections.
How long does DebiCheck tracking last?
Unsuccessful collections can be tracked for up to 10 days after the action date.
How long does a DebiCheck mandate take?
Real-time (TT1) is typically 120 seconds up to 1 day. Batch (TT2) can take up to 2 days. If they don’t respond in time, you can register a Registered Mandate (RM) on the same contract.
What is the difference between a debit order and DebiCheck?
A standard debit order uses a mandate you hold (paper, voice or electronic). DebiCheck is a debit order the customer also confirms with their bank before you collect. That is why dispute rates are lower.
What happens if a customer declines or ignores the authentication?
If they decline, you cannot collect on that DebiCheck mandate. If they ignore it and it expires, you can register a Registered Mandate (RM) with the same details. RM does not need bank-app approval. Their bank still notifies them, and they can dispute or suspend it.
What is a Registered Mandate (RM)?
RM is a debit order mandate registered with the customer’s bank without them approving it in the app first. The bank notifies them. It replaced RMS on 12 May 2025.
What is the difference between DebiCheck and Registered Mandate?
DebiCheck needs electronic approval via the bank. RM does not. DebiCheck has lower dispute risk. RM is used when authentication is not practical, including many business accounts.
Is RMS still available?
No. RMS was replaced by Registered Mandate (RM) on 12 May 2025.
DebiCheck

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