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Payments Knowledge Centre
Clear answers to common and technical questions about South African payments, including debit orders, DebiCheck, card payments, EFT, PayShap and more.
Accepting Payments
Accepting Payments Online
In-Person Payments
Merchant Accounts and MIDs
Gateways, Processors and Acquirers
Checkout Options
Payment Links
Choosing Payment Methods
Bank Transfers and PayShap
EFT Credit Payments
EFT vs RTC vs PayShap vs RTGS
Bank Transfer Lifecycle
Real-Time Clearing
PayShap
ShapIDs and Request to Pay
Final and Irrevocable Payments
Payouts and Bulk Payments
Account Verification
Proof of Payment
Failed and Returned Transfers
Cross-Border and SWIFT
Billing
Invoice Payments
Subscription Payments
Recurring Card Payments
Instalments and Usage Billing
Dunning and Recovery
Plan Changes and Proration
Backup Cards and Updaters
Card Payments
How Card Payments Work
Debit, Credit and Prepaid Cards
Card-Present vs CNP
Online Card Payment Flow
Chip, Contactless and SoftPOS
Authorisation and Capture
Declines and Response Codes
3D Secure
Tokenisation and Network Tokens
Digital Wallets
Recurring Payments (CIT and MIT)
Refunds, Reversals and Voids
DebiCheck
How DebiCheck Works
Mandates vs Collections
TT1, TT2 and TT3
Mandate Authentication
Mandate Lifecycle
Statuses and Reason Codes
Amounts and Frequencies
Collections and Tracking
Unpaids and Disputes
Troubleshooting
API vs Host-to-Host
Is DebiCheck Safe?
Participating Banks
DebiCheck for Business
Debit Orders
What Is a Debit Order?
EFT Debit Orders
Debit Order Mandates
Types of Mandates
Action Dates and Cycles
Account Validation and CDV
Unpaids and Returns
Disputes and Stop Payments
NAEDO and AEDO Migration
Minimum Mandate Requirements
Debit Orders vs Stop Orders
Disputes and Compliance
Refunds vs Chargebacks
Card Chargebacks
Chargeback Evidence
Debit Order Disputes
Payment Fraud
Card Testing and Velocity
Account Takeover
3DS and Fraud Prevention
Tokenisation and Encryption
PCI DSS
KYC, AML and POPIA
Incident Response
How Payments Work
What Is a Payment?
Payment Lifecycle
Payment Stages
Payment Participants
Methods, Rails and Channels
Statuses and References
Cut-Off Times and Value Dates
Fees and Interchange
National Payment System
Other Payment Methods
QR Code Payments
QR Plus
Instant EFT and Open Banking
Buy Now, Pay Later
Vouchers and Cash
Mobile Money
Crypto and Stablecoins
Payment Operations
Clearing and Settlement
Merchant Settlement and Reserves
Asynchronous Statuses
Webhooks and Callbacks
Idempotency and Duplicates
Retries and Stuck Payments
Integration Models
Batch Files vs APIs
API Authentication
Sandbox, UAT and Production
Error and Reason Codes
Logging and Audit Trails
API Versioning
Reference
Glossary
Acronyms
Status Directory
Reason Code Directory
Industry Roles
Regulators and Organisations
Change Log
Registered Mandates
What Is a Registered Mandate?
RM vs RMS
RM vs DebiCheck vs EFT
Registration and Notification
Juristic Accounts
Mandate Lifecycle
Collections and Settlement
Returns and Disputes
API vs Host-to-Host