[{"data":1,"prerenderedAt":776},["ShallowReactive",2],{"navigation":3,"\u002Ffaq\u002Fbank-transfers\u002Fproof-of-payment-and-reconciliation":571,"\u002Ffaq\u002Fbank-transfers\u002Fproof-of-payment-and-reconciliation-surround":771},[4],{"title":5,"path":6,"stem":7,"children":8},"Payments Knowledge Centre","\u002Ffaq","0.faq",[9,52,111,146,181,216,271,322,385,426,481,516],{"title":10,"path":11,"stem":12,"children":13,"icon":15},"How Payments Work","\u002Ffaq\u002Fhow-payments-work","0.faq\u002F1.how-payments-work\u002Findex",[14,16,20,24,28,32,36,40,44,48],{"title":10,"path":11,"stem":12,"icon":15},"i-lucide-book-open",{"title":17,"path":18,"stem":19},"What Is a Payment?","\u002Ffaq\u002Fhow-payments-work\u002Fwhat-is-a-payment","0.faq\u002F1.how-payments-work\u002F1.what-is-a-payment",{"title":21,"path":22,"stem":23},"Payment Lifecycle","\u002Ffaq\u002Fhow-payments-work\u002Fpayment-lifecycle","0.faq\u002F1.how-payments-work\u002F2.payment-lifecycle",{"title":25,"path":26,"stem":27},"Payment Stages","\u002Ffaq\u002Fhow-payments-work\u002Fauthentication-authorisation-clearing-settlement","0.faq\u002F1.how-payments-work\u002F3.authentication-authorisation-clearing-settlement",{"title":29,"path":30,"stem":31},"Payment Participants","\u002Ffaq\u002Fhow-payments-work\u002Fpayment-participants","0.faq\u002F1.how-payments-work\u002F4.payment-participants",{"title":33,"path":34,"stem":35},"Methods, Rails and Channels","\u002Ffaq\u002Fhow-payments-work\u002Fmethods-rails-and-channels","0.faq\u002F1.how-payments-work\u002F5.methods-rails-and-channels",{"title":37,"path":38,"stem":39},"Statuses and References","\u002Ffaq\u002Fhow-payments-work\u002Fpayment-statuses-and-references","0.faq\u002F1.how-payments-work\u002F6.payment-statuses-and-references",{"title":41,"path":42,"stem":43},"Cut-Off Times and Value Dates","\u002Ffaq\u002Fhow-payments-work\u002Fcut-off-times-and-value-dates","0.faq\u002F1.how-payments-work\u002F7.cut-off-times-and-value-dates",{"title":45,"path":46,"stem":47},"Fees and Interchange","\u002Ffaq\u002Fhow-payments-work\u002Fpayment-fees-and-interchange","0.faq\u002F1.how-payments-work\u002F8.payment-fees-and-interchange",{"title":49,"path":50,"stem":51},"National Payment System","\u002Ffaq\u002Fhow-payments-work\u002Fsouth-african-national-payment-system","0.faq\u002F1.how-payments-work\u002F9.south-african-national-payment-system",{"title":53,"path":54,"stem":55,"children":56,"icon":58},"Payment Operations","\u002Ffaq\u002Fpayment-operations","0.faq\u002F10.payment-operations\u002Findex",[57,59,63,67,71,75,79,83,87,91,95,99,103,107],{"title":53,"path":54,"stem":55,"icon":58},"i-lucide-workflow",{"title":60,"path":61,"stem":62},"Clearing and Settlement","\u002Ffaq\u002Fpayment-operations\u002Fclearing-settlement-and-reconciliation","0.faq\u002F10.payment-operations\u002F1.clearing-settlement-and-reconciliation",{"title":64,"path":65,"stem":66},"Sandbox, UAT and Production","\u002Ffaq\u002Fpayment-operations\u002Fsandbox-uat-and-production","0.faq\u002F10.payment-operations\u002F10.sandbox-uat-and-production",{"title":68,"path":69,"stem":70},"Error and Reason Codes","\u002Ffaq\u002Fpayment-operations\u002Ferror-and-reason-codes","0.faq\u002F10.payment-operations\u002F11.error-and-reason-codes",{"title":72,"path":73,"stem":74},"Logging and Audit Trails","\u002Ffaq\u002Fpayment-operations\u002Flogging-masking-and-audit-trails","0.faq\u002F10.payment-operations\u002F12.logging-masking-and-audit-trails",{"title":76,"path":77,"stem":78},"API Versioning","\u002Ffaq\u002Fpayment-operations\u002Fapi-versioning-and-change-management","0.faq\u002F10.payment-operations\u002F13.api-versioning-and-change-management",{"title":80,"path":81,"stem":82},"Merchant Settlement and Reserves","\u002Ffaq\u002Fpayment-operations\u002Fmerchant-settlement-and-reserves","0.faq\u002F10.payment-operations\u002F2.merchant-settlement-and-reserves",{"title":84,"path":85,"stem":86},"Asynchronous Statuses","\u002Ffaq\u002Fpayment-operations\u002Fasynchronous-payment-statuses","0.faq\u002F10.payment-operations\u002F3.asynchronous-payment-statuses",{"title":88,"path":89,"stem":90},"Webhooks and Callbacks","\u002Ffaq\u002Fpayment-operations\u002Fwebhooks-and-callbacks","0.faq\u002F10.payment-operations\u002F4.webhooks-and-callbacks",{"title":92,"path":93,"stem":94},"Idempotency and Duplicates","\u002Ffaq\u002Fpayment-operations\u002Fidempotency-and-duplicates","0.faq\u002F10.payment-operations\u002F5.idempotency-and-duplicates",{"title":96,"path":97,"stem":98},"Retries and Stuck Payments","\u002Ffaq\u002Fpayment-operations\u002Fretries-and-stuck-payments","0.faq\u002F10.payment-operations\u002F6.retries-and-stuck-payments",{"title":100,"path":101,"stem":102},"Integration Models","\u002Ffaq\u002Fpayment-operations\u002Fpayment-integration-models","0.faq\u002F10.payment-operations\u002F7.payment-integration-models",{"title":104,"path":105,"stem":106},"Batch Files vs APIs","\u002Ffaq\u002Fpayment-operations\u002Fbatch-files-vs-apis","0.faq\u002F10.payment-operations\u002F8.batch-files-vs-apis",{"title":108,"path":109,"stem":110},"API Authentication","\u002Ffaq\u002Fpayment-operations\u002Fapi-authentication-and-signatures","0.faq\u002F10.payment-operations\u002F9.api-authentication-and-signatures",{"title":112,"path":113,"stem":114,"children":115,"icon":117},"Other Payment Methods","\u002Ffaq\u002Fother-payment-methods","0.faq\u002F11.other-payment-methods\u002Findex",[116,118,122,126,130,134,138,142],{"title":112,"path":113,"stem":114,"icon":117},"i-lucide-wallet",{"title":119,"path":120,"stem":121},"QR Code Payments","\u002Ffaq\u002Fother-payment-methods\u002Fqr-code-payments","0.faq\u002F11.other-payment-methods\u002F1.qr-code-payments",{"title":123,"path":124,"stem":125},"QR Plus","\u002Ffaq\u002Fother-payment-methods\u002Fqr-plus","0.faq\u002F11.other-payment-methods\u002F2.qr-plus",{"title":127,"path":128,"stem":129},"Instant EFT and Open Banking","\u002Ffaq\u002Fother-payment-methods\u002Finstant-eft-and-open-banking","0.faq\u002F11.other-payment-methods\u002F3.instant-eft-and-open-banking",{"title":131,"path":132,"stem":133},"Buy Now, Pay Later","\u002Ffaq\u002Fother-payment-methods\u002Fbuy-now-pay-later","0.faq\u002F11.other-payment-methods\u002F4.buy-now-pay-later",{"title":135,"path":136,"stem":137},"Vouchers and Cash","\u002Ffaq\u002Fother-payment-methods\u002Fvoucher-and-cash-payments","0.faq\u002F11.other-payment-methods\u002F5.voucher-and-cash-payments",{"title":139,"path":140,"stem":141},"Mobile Money","\u002Ffaq\u002Fother-payment-methods\u002Fmobile-money","0.faq\u002F11.other-payment-methods\u002F6.mobile-money",{"title":143,"path":144,"stem":145},"Crypto and Stablecoins","\u002Ffaq\u002Fother-payment-methods\u002Fcryptocurrency-and-stablecoin-payments","0.faq\u002F11.other-payment-methods\u002F7.cryptocurrency-and-stablecoin-payments",{"title":147,"path":148,"stem":149,"children":150,"icon":152},"Reference","\u002Ffaq\u002Freference","0.faq\u002F12.reference\u002Findex",[151,153,157,161,165,169,173,177],{"title":147,"path":148,"stem":149,"icon":152},"i-lucide-library",{"title":154,"path":155,"stem":156},"Glossary","\u002Ffaq\u002Freference\u002Fglossary","0.faq\u002F12.reference\u002F1.glossary",{"title":158,"path":159,"stem":160},"Acronyms","\u002Ffaq\u002Freference\u002Facronyms","0.faq\u002F12.reference\u002F2.acronyms",{"title":162,"path":163,"stem":164},"Status Directory","\u002Ffaq\u002Freference\u002Fpayment-status-directory","0.faq\u002F12.reference\u002F3.payment-status-directory",{"title":166,"path":167,"stem":168},"Reason Code Directory","\u002Ffaq\u002Freference\u002Freason-code-directory","0.faq\u002F12.reference\u002F4.reason-code-directory",{"title":170,"path":171,"stem":172},"Industry Roles","\u002Ffaq\u002Freference\u002Fpayment-industry-roles","0.faq\u002F12.reference\u002F5.payment-industry-roles",{"title":174,"path":175,"stem":176},"Regulators and Organisations","\u002Ffaq\u002Freference\u002Fregulators-and-industry-organisations","0.faq\u002F12.reference\u002F6.regulators-and-industry-organisations",{"title":178,"path":179,"stem":180},"Change Log","\u002Ffaq\u002Freference\u002Fpayments-change-log","0.faq\u002F12.reference\u002F7.payments-change-log",{"title":182,"path":183,"stem":184,"children":185,"icon":187},"Accepting Payments","\u002Ffaq\u002Faccepting-payments","0.faq\u002F2.accepting-payments\u002Findex",[186,188,192,196,200,204,208,212],{"title":182,"path":183,"stem":184,"icon":187},"i-lucide-store",{"title":189,"path":190,"stem":191},"Accepting Payments Online","\u002Ffaq\u002Faccepting-payments\u002Faccept-payments-online","0.faq\u002F2.accepting-payments\u002F1.accept-payments-online",{"title":193,"path":194,"stem":195},"In-Person Payments","\u002Ffaq\u002Faccepting-payments\u002Faccept-in-person-payments","0.faq\u002F2.accepting-payments\u002F2.accept-in-person-payments",{"title":197,"path":198,"stem":199},"Merchant Accounts and MIDs","\u002Ffaq\u002Faccepting-payments\u002Fmerchant-account-and-merchant-id","0.faq\u002F2.accepting-payments\u002F3.merchant-account-and-merchant-id",{"title":201,"path":202,"stem":203},"Gateways, Processors and Acquirers","\u002Ffaq\u002Faccepting-payments\u002Fgateway-processor-switch-acquirer","0.faq\u002F2.accepting-payments\u002F4.gateway-processor-switch-acquirer",{"title":205,"path":206,"stem":207},"Checkout Options","\u002Ffaq\u002Faccepting-payments\u002Fhosted-embedded-api-checkout","0.faq\u002F2.accepting-payments\u002F5.hosted-embedded-api-checkout",{"title":209,"path":210,"stem":211},"Payment Links","\u002Ffaq\u002Faccepting-payments\u002Fpayment-links","0.faq\u002F2.accepting-payments\u002F6.payment-links",{"title":213,"path":214,"stem":215},"Choosing Payment Methods","\u002Ffaq\u002Faccepting-payments\u002Fchoose-payment-methods","0.faq\u002F2.accepting-payments\u002F7.choose-payment-methods",{"title":217,"path":218,"stem":219,"children":220,"icon":222},"Card Payments","\u002Ffaq\u002Fcard-payments","0.faq\u002F3.card-payments\u002Findex",[221,223,227,231,235,239,243,247,251,255,259,263,267],{"title":217,"path":218,"stem":219,"icon":222},"i-lucide-credit-card",{"title":224,"path":225,"stem":226},"How Card Payments Work","\u002Ffaq\u002Fcard-payments\u002Fhow-card-payments-work","0.faq\u002F3.card-payments\u002F1.how-card-payments-work",{"title":228,"path":229,"stem":230},"Digital Wallets","\u002Ffaq\u002Fcard-payments\u002Fdigital-wallets","0.faq\u002F3.card-payments\u002F10.digital-wallets",{"title":232,"path":233,"stem":234},"Recurring Payments (CIT and MIT)","\u002Ffaq\u002Fcard-payments\u002Frecurring-card-payments-cit-mit","0.faq\u002F3.card-payments\u002F11.recurring-card-payments-cit-mit",{"title":236,"path":237,"stem":238},"Refunds, Reversals and Voids","\u002Ffaq\u002Fcard-payments\u002Fcard-refunds-reversals-and-voids","0.faq\u002F3.card-payments\u002F12.card-refunds-reversals-and-voids",{"title":240,"path":241,"stem":242},"Debit, Credit and Prepaid Cards","\u002Ffaq\u002Fcard-payments\u002Fdebit-credit-prepaid-cards","0.faq\u002F3.card-payments\u002F2.debit-credit-prepaid-cards",{"title":244,"path":245,"stem":246},"Card-Present vs CNP","\u002Ffaq\u002Fcard-payments\u002Fcard-present-vs-card-not-present","0.faq\u002F3.card-payments\u002F3.card-present-vs-card-not-present",{"title":248,"path":249,"stem":250},"Online Card Payment Flow","\u002Ffaq\u002Fcard-payments\u002Fonline-card-payment-flow","0.faq\u002F3.card-payments\u002F4.online-card-payment-flow",{"title":252,"path":253,"stem":254},"Chip, Contactless and SoftPOS","\u002Ffaq\u002Fcard-payments\u002Fchip-contactless-and-softpos","0.faq\u002F3.card-payments\u002F5.chip-contactless-and-softpos",{"title":256,"path":257,"stem":258},"Authorisation and Capture","\u002Ffaq\u002Fcard-payments\u002Fauthorisation-capture-and-preauthorisation","0.faq\u002F3.card-payments\u002F6.authorisation-capture-and-preauthorisation",{"title":260,"path":261,"stem":262},"Declines and Response Codes","\u002Ffaq\u002Fcard-payments\u002Fcard-declines-and-response-codes","0.faq\u002F3.card-payments\u002F7.card-declines-and-response-codes",{"title":264,"path":265,"stem":266},"3D Secure","\u002Ffaq\u002Fcard-payments\u002F3d-secure","0.faq\u002F3.card-payments\u002F8.3d-secure",{"title":268,"path":269,"stem":270},"Tokenisation and Network Tokens","\u002Ffaq\u002Fcard-payments\u002Fcard-tokenisation-and-network-tokens","0.faq\u002F3.card-payments\u002F9.card-tokenisation-and-network-tokens",{"title":272,"path":273,"stem":274,"children":275,"icon":277},"Debit Orders","\u002Ffaq\u002Fdebit-orders","0.faq\u002F4.debit-orders\u002Findex",[276,278,282,286,290,294,298,302,306,310,314,318],{"title":272,"path":273,"stem":274,"icon":277},"i-lucide-repeat",{"title":279,"path":280,"stem":281},"What Is a Debit Order?","\u002Ffaq\u002Fdebit-orders\u002Fwhat-is-a-debit-order","0.faq\u002F4.debit-orders\u002F1.what-is-a-debit-order",{"title":283,"path":284,"stem":285},"Minimum Mandate Requirements","\u002Ffaq\u002Fdebit-orders\u002Fminimum-mandate-requirements","0.faq\u002F4.debit-orders\u002F10.minimum-mandate-requirements",{"title":287,"path":288,"stem":289},"Debit Orders vs Stop Orders","\u002Ffaq\u002Fdebit-orders\u002Fdebit-order-vs-stop-order","0.faq\u002F4.debit-orders\u002F11.debit-order-vs-stop-order",{"title":291,"path":292,"stem":293},"EFT Debit Orders","\u002Ffaq\u002Fdebit-orders\u002Feft-debit-orders","0.faq\u002F4.debit-orders\u002F2.eft-debit-orders",{"title":295,"path":296,"stem":297},"Debit Order Mandates","\u002Ffaq\u002Fdebit-orders\u002Fdebit-order-mandates","0.faq\u002F4.debit-orders\u002F3.debit-order-mandates",{"title":299,"path":300,"stem":301},"Types of Mandates","\u002Ffaq\u002Fdebit-orders\u002Ftypes-of-debit-order-mandates","0.faq\u002F4.debit-orders\u002F4.types-of-debit-order-mandates",{"title":303,"path":304,"stem":305},"Action Dates and Cycles","\u002Ffaq\u002Fdebit-orders\u002Faction-dates-and-processing-cycles","0.faq\u002F4.debit-orders\u002F5.action-dates-and-processing-cycles",{"title":307,"path":308,"stem":309},"Account Validation and CDV","\u002Ffaq\u002Fdebit-orders\u002Faccount-validation-and-cdv","0.faq\u002F4.debit-orders\u002F6.account-validation-and-cdv",{"title":311,"path":312,"stem":313},"Unpaids and Returns","\u002Ffaq\u002Fdebit-orders\u002Funpaids-returns-and-resubmissions","0.faq\u002F4.debit-orders\u002F7.unpaids-returns-and-resubmissions",{"title":315,"path":316,"stem":317},"Disputes and Stop Payments","\u002Ffaq\u002Fdebit-orders\u002Fdebit-order-disputes-and-stop-payments","0.faq\u002F4.debit-orders\u002F8.debit-order-disputes-and-stop-payments",{"title":319,"path":320,"stem":321},"NAEDO and AEDO Migration","\u002Ffaq\u002Fdebit-orders\u002Fmigrated-naedo-and-aedo-mandates","0.faq\u002F4.debit-orders\u002F9.migrated-naedo-and-aedo-mandates",{"title":323,"path":324,"stem":325,"children":326,"icon":328},"DebiCheck","\u002Ffaq\u002Fdebicheck","0.faq\u002F5.debicheck\u002Findex",[327,329,333,337,341,345,349,353,357,361,365,369,373,377,381],{"title":323,"path":324,"stem":325,"icon":328},"i-lucide-shield-check",{"title":330,"path":331,"stem":332},"How DebiCheck Works","\u002Ffaq\u002Fdebicheck\u002Fhow-debicheck-works","0.faq\u002F5.debicheck\u002F1.how-debicheck-works",{"title":334,"path":335,"stem":336},"Troubleshooting","\u002Ffaq\u002Fdebicheck\u002Ftroubleshooting","0.faq\u002F5.debicheck\u002F10.troubleshooting",{"title":338,"path":339,"stem":340},"API vs Host-to-Host","\u002Ffaq\u002Fdebicheck\u002Fapi-vs-host-to-host","0.faq\u002F5.debicheck\u002F11.api-vs-host-to-host",{"title":342,"path":343,"stem":344},"Is DebiCheck Safe?","\u002Ffaq\u002Fdebicheck\u002Fis-debicheck-safe","0.faq\u002F5.debicheck\u002F12.is-debicheck-safe",{"title":346,"path":347,"stem":348},"Participating Banks","\u002Ffaq\u002Fdebicheck\u002Fparticipating-banks","0.faq\u002F5.debicheck\u002F13.participating-banks",{"title":350,"path":351,"stem":352},"DebiCheck for Business","\u002Ffaq\u002Fdebicheck\u002Fdebicheck-for-business","0.faq\u002F5.debicheck\u002F14.debicheck-for-business",{"title":354,"path":355,"stem":356},"Mandates vs Collections","\u002Ffaq\u002Fdebicheck\u002Fmandates-vs-collections","0.faq\u002F5.debicheck\u002F2.mandates-vs-collections",{"title":358,"path":359,"stem":360},"TT1, TT2 and TT3","\u002Ffaq\u002Fdebicheck\u002Ftransaction-types-tt1-tt2-tt3","0.faq\u002F5.debicheck\u002F3.transaction-types-tt1-tt2-tt3",{"title":362,"path":363,"stem":364},"Mandate Authentication","\u002Ffaq\u002Fdebicheck\u002Fmandate-authentication","0.faq\u002F5.debicheck\u002F4.mandate-authentication",{"title":366,"path":367,"stem":368},"Mandate Lifecycle","\u002Ffaq\u002Fdebicheck\u002Fmandate-lifecycle","0.faq\u002F5.debicheck\u002F5.mandate-lifecycle",{"title":370,"path":371,"stem":372},"Statuses and Reason Codes","\u002Ffaq\u002Fdebicheck\u002Fstatuses-and-reason-codes","0.faq\u002F5.debicheck\u002F6.statuses-and-reason-codes",{"title":374,"path":375,"stem":376},"Amounts and Frequencies","\u002Ffaq\u002Fdebicheck\u002Famounts-frequencies-and-adjustments","0.faq\u002F5.debicheck\u002F7.amounts-frequencies-and-adjustments",{"title":378,"path":379,"stem":380},"Collections and Tracking","\u002Ffaq\u002Fdebicheck\u002Fcollections-tracking-and-retries","0.faq\u002F5.debicheck\u002F8.collections-tracking-and-retries",{"title":382,"path":383,"stem":384},"Unpaids and Disputes","\u002Ffaq\u002Fdebicheck\u002Funpaids-returns-and-disputes","0.faq\u002F5.debicheck\u002F9.unpaids-returns-and-disputes",{"title":386,"path":387,"stem":388,"children":389,"icon":391},"Registered Mandates","\u002Ffaq\u002Fregistered-mandates","0.faq\u002F6.registered-mandates\u002Findex",[390,392,396,400,404,408,412,415,419,423],{"title":386,"path":387,"stem":388,"icon":391},"i-lucide-file-check",{"title":393,"path":394,"stem":395},"What Is a Registered Mandate?","\u002Ffaq\u002Fregistered-mandates\u002Fwhat-is-a-registered-mandate","0.faq\u002F6.registered-mandates\u002F1.what-is-a-registered-mandate",{"title":397,"path":398,"stem":399},"RM vs RMS","\u002Ffaq\u002Fregistered-mandates\u002Frm-vs-rms","0.faq\u002F6.registered-mandates\u002F2.rm-vs-rms",{"title":401,"path":402,"stem":403},"RM vs DebiCheck vs EFT","\u002Ffaq\u002Fregistered-mandates\u002Frm-vs-debicheck-vs-eft","0.faq\u002F6.registered-mandates\u002F3.rm-vs-debicheck-vs-eft",{"title":405,"path":406,"stem":407},"Registration and Notification","\u002Ffaq\u002Fregistered-mandates\u002Fregistration-and-payer-notification","0.faq\u002F6.registered-mandates\u002F4.registration-and-payer-notification",{"title":409,"path":410,"stem":411},"Juristic Accounts","\u002Ffaq\u002Fregistered-mandates\u002Fjuristic-and-multisignatory-accounts","0.faq\u002F6.registered-mandates\u002F5.juristic-and-multisignatory-accounts",{"title":366,"path":413,"stem":414},"\u002Ffaq\u002Fregistered-mandates\u002Fmandate-lifecycle","0.faq\u002F6.registered-mandates\u002F6.mandate-lifecycle",{"title":416,"path":417,"stem":418},"Collections and Settlement","\u002Ffaq\u002Fregistered-mandates\u002Fcollections-tracking-and-settlement","0.faq\u002F6.registered-mandates\u002F7.collections-tracking-and-settlement",{"title":420,"path":421,"stem":422},"Returns and Disputes","\u002Ffaq\u002Fregistered-mandates\u002Freturns-and-disputes","0.faq\u002F6.registered-mandates\u002F8.returns-and-disputes",{"title":338,"path":424,"stem":425},"\u002Ffaq\u002Fregistered-mandates\u002Fapi-vs-host-to-host","0.faq\u002F6.registered-mandates\u002F9.api-vs-host-to-host",{"title":427,"path":428,"stem":429,"children":430,"icon":432},"Bank Transfers and PayShap","\u002Ffaq\u002Fbank-transfers","0.faq\u002F7.bank-transfers\u002Findex",[431,433,437,441,445,449,453,457,461,465,469,473,477],{"title":427,"path":428,"stem":429,"icon":432},"i-lucide-landmark",{"title":434,"path":435,"stem":436},"EFT Credit Payments","\u002Ffaq\u002Fbank-transfers\u002Feft-credit-payments","0.faq\u002F7.bank-transfers\u002F1.eft-credit-payments",{"title":438,"path":439,"stem":440},"Proof of Payment","\u002Ffaq\u002Fbank-transfers\u002Fproof-of-payment-and-reconciliation","0.faq\u002F7.bank-transfers\u002F10.proof-of-payment-and-reconciliation",{"title":442,"path":443,"stem":444},"Failed and Returned Transfers","\u002Ffaq\u002Fbank-transfers\u002Ffailed-and-returned-transfers","0.faq\u002F7.bank-transfers\u002F11.failed-and-returned-transfers",{"title":446,"path":447,"stem":448},"Cross-Border and SWIFT","\u002Ffaq\u002Fbank-transfers\u002Fcross-border-payments-and-swift","0.faq\u002F7.bank-transfers\u002F12.cross-border-payments-and-swift",{"title":450,"path":451,"stem":452},"EFT vs RTC vs PayShap vs RTGS","\u002Ffaq\u002Fbank-transfers\u002Feft-vs-rtc-vs-payshap-vs-rtgs","0.faq\u002F7.bank-transfers\u002F2.eft-vs-rtc-vs-payshap-vs-rtgs",{"title":454,"path":455,"stem":456},"Bank Transfer Lifecycle","\u002Ffaq\u002Fbank-transfers\u002Fbank-transfer-lifecycle","0.faq\u002F7.bank-transfers\u002F3.bank-transfer-lifecycle",{"title":458,"path":459,"stem":460},"Real-Time Clearing","\u002Ffaq\u002Fbank-transfers\u002Freal-time-clearing","0.faq\u002F7.bank-transfers\u002F4.real-time-clearing",{"title":462,"path":463,"stem":464},"PayShap","\u002Ffaq\u002Fbank-transfers\u002Fpayshap","0.faq\u002F7.bank-transfers\u002F5.payshap",{"title":466,"path":467,"stem":468},"ShapIDs and Request to Pay","\u002Ffaq\u002Fbank-transfers\u002Fshapids-and-request-to-pay","0.faq\u002F7.bank-transfers\u002F6.shapids-and-request-to-pay",{"title":470,"path":471,"stem":472},"Final and Irrevocable Payments","\u002Ffaq\u002Fbank-transfers\u002Ffinal-and-irrevocable-payments","0.faq\u002F7.bank-transfers\u002F7.final-and-irrevocable-payments",{"title":474,"path":475,"stem":476},"Payouts and Bulk Payments","\u002Ffaq\u002Fbank-transfers\u002Fpayouts-and-bulk-payments","0.faq\u002F7.bank-transfers\u002F8.payouts-and-bulk-payments",{"title":478,"path":479,"stem":480},"Account Verification","\u002Ffaq\u002Fbank-transfers\u002Fbeneficiary-and-account-verification","0.faq\u002F7.bank-transfers\u002F9.beneficiary-and-account-verification",{"title":482,"path":483,"stem":484,"children":485,"icon":487},"Billing","\u002Ffaq\u002Fbilling","0.faq\u002F8.billing\u002Findex",[486,488,492,496,500,504,508,512],{"title":482,"path":483,"stem":484,"icon":487},"i-lucide-receipt",{"title":489,"path":490,"stem":491},"Invoice Payments","\u002Ffaq\u002Fbilling\u002Finvoice-payments","0.faq\u002F8.billing\u002F1.invoice-payments",{"title":493,"path":494,"stem":495},"Subscription Payments","\u002Ffaq\u002Fbilling\u002Fsubscription-payments","0.faq\u002F8.billing\u002F2.subscription-payments",{"title":497,"path":498,"stem":499},"Recurring Card Payments","\u002Ffaq\u002Fbilling\u002Frecurring-card-payments","0.faq\u002F8.billing\u002F3.recurring-card-payments",{"title":501,"path":502,"stem":503},"Instalments and Usage Billing","\u002Ffaq\u002Fbilling\u002Finstalment-and-usage-based-billing","0.faq\u002F8.billing\u002F4.instalment-and-usage-based-billing",{"title":505,"path":506,"stem":507},"Dunning and Recovery","\u002Ffaq\u002Fbilling\u002Fdunning-and-payment-recovery","0.faq\u002F8.billing\u002F5.dunning-and-payment-recovery",{"title":509,"path":510,"stem":511},"Plan Changes and Proration","\u002Ffaq\u002Fbilling\u002Fsubscription-plan-changes","0.faq\u002F8.billing\u002F6.subscription-plan-changes",{"title":513,"path":514,"stem":515},"Backup Cards and Updaters","\u002Ffaq\u002Fbilling\u002Fbackup-cards-and-account-updaters","0.faq\u002F8.billing\u002F7.backup-cards-and-account-updaters",{"title":517,"path":518,"stem":519,"children":520,"icon":522},"Disputes and Compliance","\u002Ffaq\u002Fdisputes-risk-and-compliance","0.faq\u002F9.disputes-risk-and-compliance\u002Findex",[521,523,527,531,535,539,543,547,551,555,559,563,567],{"title":517,"path":518,"stem":519,"icon":522},"i-lucide-scale",{"title":524,"path":525,"stem":526},"Refunds vs Chargebacks","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Frefund-reversal-dispute-chargeback","0.faq\u002F9.disputes-risk-and-compliance\u002F1.refund-reversal-dispute-chargeback",{"title":528,"path":529,"stem":530},"PCI DSS","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpci-dss","0.faq\u002F9.disputes-risk-and-compliance\u002F10.pci-dss",{"title":532,"path":533,"stem":534},"KYC, AML and POPIA","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fkyc-aml-sanctions-and-popia","0.faq\u002F9.disputes-risk-and-compliance\u002F11.kyc-aml-sanctions-and-popia",{"title":536,"path":537,"stem":538},"Incident Response","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpayment-incident-response","0.faq\u002F9.disputes-risk-and-compliance\u002F12.payment-incident-response",{"title":540,"path":541,"stem":542},"Card Chargebacks","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fcard-chargebacks","0.faq\u002F9.disputes-risk-and-compliance\u002F2.card-chargebacks",{"title":544,"path":545,"stem":546},"Chargeback Evidence","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fchargeback-evidence","0.faq\u002F9.disputes-risk-and-compliance\u002F3.chargeback-evidence",{"title":548,"path":549,"stem":550},"Debit Order Disputes","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fdebit-order-disputes","0.faq\u002F9.disputes-risk-and-compliance\u002F4.debit-order-disputes",{"title":552,"path":553,"stem":554},"Payment Fraud","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpayment-fraud","0.faq\u002F9.disputes-risk-and-compliance\u002F5.payment-fraud",{"title":556,"path":557,"stem":558},"Card Testing and Velocity","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fcard-testing-and-velocity-checks","0.faq\u002F9.disputes-risk-and-compliance\u002F6.card-testing-and-velocity-checks",{"title":560,"path":561,"stem":562},"Account Takeover","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Faccount-takeover-and-social-engineering","0.faq\u002F9.disputes-risk-and-compliance\u002F7.account-takeover-and-social-engineering",{"title":564,"path":565,"stem":566},"3DS and Fraud Prevention","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002F3ds-and-fraud-prevention","0.faq\u002F9.disputes-risk-and-compliance\u002F8.3ds-and-fraud-prevention",{"title":568,"path":569,"stem":570},"Tokenisation and Encryption","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Ftokenisation-encryption-and-hashing","0.faq\u002F9.disputes-risk-and-compliance\u002F9.tokenisation-encryption-and-hashing",{"id":572,"title":573,"body":574,"description":763,"extension":764,"links":765,"meta":766,"navigation":767,"path":439,"seo":768,"sitemap":769,"stem":440,"__hash__":770},"docs\u002F0.faq\u002F7.bank-transfers\u002F10.proof-of-payment-and-reconciliation.md","Proof of Payment and Reconciliation Explained",{"type":575,"value":576,"toc":753},"minimark",[577,581,584,589,592,630,633,637,669,673,676,679,700,706,710,713,728,732,746],[578,579,580],"p",{},"A proof of payment (POP) is the notification or document a payer sends to show that a payment has been made — a bank-generated payment notification, a screenshot from a banking app, or a PDF confirmation. South African businesses ask for POPs constantly, and fraudsters exploit that habit constantly too.",[578,582,583],{},"The uncomfortable truth is that a POP proves very little. The only reliable confirmation that you have been paid is cleared funds reflecting in your own bank account.",[585,586,588],"h2",{"id":587},"why-is-a-proof-of-payment-not-proof-of-payment","Why is a proof of payment not proof of payment?",[578,590,591],{},"A POP can be misleading for legitimate and fraudulent reasons:",[593,594,595,608,618,624],"ul",{},[596,597,598,602,603,607],"li",{},[599,600,601],"strong",{},"The payment may not have cleared yet."," An interbank ",[604,605,606],"a",{"href":435},"EFT credit"," can take one to two banking days to reflect. A genuine POP today does not mean money in your account today.",[596,609,610,613,614,617],{},[599,611,612],{},"The payment can still fail."," A payment can be rejected or returned after the POP was generated — for example if the account details were wrong. See ",[604,615,616],{"href":443},"failed and returned transfers",".",[596,619,620,623],{},[599,621,622],{},"The document can be fake."," PDF confirmations and app screenshots are trivially forged or edited. Fake POPs are one of the most common fraud methods used against South African businesses, especially for goods collected in person.",[596,625,626,629],{},[599,627,628],{},"The payment can be manipulated."," A fraudster can make a real payment and recall or dispute it, or pay from a compromised account.",[578,631,632],{},"If a \"buyer\" pressures you to release goods on the strength of a POP — especially with urgency, or outside business hours — treat it as a red flag.",[585,634,636],{"id":635},"how-should-a-business-confirm-payment-safely","How should a business confirm payment safely?",[593,638,639,645,658,664],{},[596,640,641,644],{},[599,642,643],{},"Wait for cleared funds."," Check your own bank account or statement feed; only funds reflecting there count.",[596,646,647,650,651,653,654,657],{},[599,648,649],{},"Prefer instant rails for on-the-spot transactions."," A ",[604,652,462],{"href":463}," payment or Request to Pay confirms in seconds and is ",[604,655,656],{"href":471},"final and irrevocable",", which removes the waiting problem entirely.",[596,659,660,663],{},[599,661,662],{},"Understand your bank's notifications."," A \"payment received\" notification from your own bank is far stronger evidence than any document a payer sends you — but even then, check whether the funds are cleared or provisional.",[596,665,666],{},[599,667,668],{},"Never release high-value goods against an emailed POP alone.",[585,670,672],{"id":671},"what-is-reconciliation","What is reconciliation?",[578,674,675],{},"Reconciliation is the process of matching the credits on your bank statement to what you expected to receive — invoices, customer accounts, orders or payout instructions — so that every rand is accounted for. It is the operational counterpart to confirmation: confirmation tells you money arrived; reconciliation tells you what it was for.",[578,677,678],{},"Good reconciliation depends on three things:",[680,681,682,688,694],"ol",{},[596,683,684,687],{},[599,685,686],{},"Unique references:"," every invoice or customer gets a unique payment reference, so statement lines match records automatically. Vague references like a customer's first name create manual work and errors.",[596,689,690,693],{},[599,691,692],{},"Timely statement data:"," daily statement downloads, or automated bank statement feeds, so credits are matched as they arrive rather than at month-end.",[596,695,696,699],{},[599,697,698],{},"Exception handling:"," a defined process for unmatched credits, short payments, overpayments and duplicates.",[578,701,702,703,617],{},"The wider discipline, including how clearing and settlement timing affects reconciliation, is covered in ",[604,704,705],{"href":61},"clearing, settlement and reconciliation",[585,707,709],{"id":708},"how-can-reconciliation-be-automated","How can reconciliation be automated?",[578,711,712],{},"Manual reconciliation does not scale past a few dozen payments a day. Automation options include:",[593,714,715,718,721],{},[596,716,717],{},"Bank statement feeds or aggregation services that pull statement lines into your systems automatically.",[596,719,720],{},"Reference-based auto-matching, with fuzzy matching for imperfect references.",[596,722,723,724,727],{},"Choosing payment methods that reconcile themselves — payment links, PayShap Request to Pay and ",[604,725,726],{"href":280},"debit orders"," all tie each payment to a known customer and amount, unlike free-form EFTs.",[585,729,731],{"id":730},"tips","Tips",[593,733,734,737,740,743],{},[596,735,736],{},"Publish an exact payment reference on every invoice and insist customers use it.",[596,738,739],{},"Train staff that no goods leave on the strength of a POP document.",[596,741,742],{},"Reconcile daily, and investigate unmatched credits promptly — unclaimed money creates its own problems.",[596,744,745],{},"For collect-on-payment sales, use an instant, irrevocable rail instead of EFT plus POP.",[578,747,748,749,752],{},"Back to the ",[604,750,751],{"href":428},"Bank Transfers, Payouts and PayShap"," hub.",{"title":754,"searchDepth":755,"depth":756,"links":757},"",1,2,[758,759,760,761,762],{"id":587,"depth":756,"text":588},{"id":635,"depth":756,"text":636},{"id":671,"depth":756,"text":672},{"id":708,"depth":756,"text":709},{"id":730,"depth":756,"text":731},"Why proof of payment does not guarantee cleared funds, how POP fraud works, and how references and statement feeds make reconciliation reliable.","md",null,{},{"title":438},{"title":573,"description":763},{"loc":439},"1gE6p8eOjeugHLq_DaBRVB3lJu3enEk6t4VCQEcktNA",[772,774],{"title":434,"path":435,"stem":436,"description":773,"children":-1},"How EFT credit payments work in South Africa, how long they take to clear, and why an ordinary EFT can take one to two banking days to reflect.",{"title":442,"path":443,"stem":444,"description":775,"children":-1},"Common reasons bank transfers fail or are returned, including invalid accounts, closed accounts and recalls, and how returned funds find their way back.",1785156394051]