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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":822,"extension":823,"links":824,"meta":825,"navigation":826,"path":241,"seo":827,"sitemap":828,"stem":242,"__hash__":829},"docs\u002F0.faq\u002F3.card-payments\u002F2.debit-credit-prepaid-cards.md","Debit, Credit and Prepaid Cards: What Is the Difference?",{"type":575,"value":576,"toc":811},"minimark",[577,581,584,589,699,703,706,709,713,716,719,723,726,729,742,746,749,785,789],[578,579,580],"p",{},"Debit, credit and prepaid cards all look similar, carry a Visa or Mastercard logo and work at the same terminals and online checkouts. The difference lies in where the money comes from: a debit card draws directly from a bank account, a credit card draws from a credit facility, and a prepaid card draws from a balance loaded onto the card in advance.",[578,582,583],{},"For a merchant the acceptance experience is largely the same, but the card type can affect authorisation behaviour, decline rates, recurring billing reliability and refunds. South African banks such as Absa, FNB, Nedbank, Standard Bank, Capitec, TymeBank and Discovery Bank issue all three types, with debit cards being by far the most widely held.",[585,586,588],"h2",{"id":587},"how-do-the-three-card-types-compare","How Do the Three Card Types Compare?",[590,591,592,611],"table",{},[593,594,595],"thead",{},[596,597,598,602,605,608],"tr",{},[599,600,601],"th",{},"Feature",[599,603,604],{},"Debit card",[599,606,607],{},"Credit card",[599,609,610],{},"Prepaid card",[612,613,614,629,643,657,671,685],"tbody",{},[596,615,616,620,623,626],{},[617,618,619],"td",{},"Source of funds",[617,621,622],{},"Cardholder's bank account",[617,624,625],{},"Credit facility from the issuer",[617,627,628],{},"Balance loaded onto the card",[596,630,631,634,637,640],{},[617,632,633],{},"Approval check",[617,635,636],{},"Available account balance",[617,638,639],{},"Available credit limit",[617,641,642],{},"Available loaded balance",[596,644,645,648,651,654],{},[617,646,647],{},"Linked to a bank account",[617,649,650],{},"Yes",[617,652,653],{},"Not directly",[617,655,656],{},"Usually not",[596,658,659,662,665,668],{},[617,660,661],{},"Typical holder",[617,663,664],{},"Most banked South Africans",[617,666,667],{},"Customers who pass a credit assessment",[617,669,670],{},"Gift cards, youth cards, unbanked or budget users",[596,672,673,676,679,682],{},[617,674,675],{},"Recurring payments",[617,677,678],{},"Supported, but fails if the account is empty",[617,680,681],{},"Generally most reliable",[617,683,684],{},"Often unreliable or blocked",[596,686,687,690,693,696],{},[617,688,689],{},"Overspending possible",[617,691,692],{},"No, limited to balance",[617,694,695],{},"Yes, up to the credit limit",[617,697,698],{},"No, limited to loaded value",[585,700,702],{"id":701},"what-is-a-debit-card","What Is a Debit Card?",[578,704,705],{},"A debit card is linked directly to a transactional bank account. When the cardholder pays, the issuer checks the available balance and reserves the amount immediately. If the balance is too low, the payment is declined with an insufficient funds response.",[578,707,708],{},"Modern South African debit cards are full scheme cards (Visa or Mastercard) with EMV chips and contactless capability, and most can be used online with 3D Secure. Older \"electron\" style cards that only worked at physical terminals have largely been phased out.",[585,710,712],{"id":711},"what-is-a-credit-card","What Is a Credit Card?",[578,714,715],{},"A credit card draws on a revolving credit facility rather than a bank balance. The issuer checks the available credit limit at authorisation and the cardholder repays the issuer later.",[578,717,718],{},"For merchants, credit cards tend to be the most dependable option for recurring and card-on-file billing, because a temporary lack of cash in a bank account does not cause the payment to fail in the way it does with a debit card. Credit cards are also commonly used for pre-authorisation holds by hotels and car rental companies.",[585,720,722],{"id":721},"what-is-a-prepaid-card","What Is a Prepaid Card?",[578,724,725],{},"A prepaid card carries a stored balance that is loaded before it can be spent. It is not linked to a bank account or credit facility, so spending is limited to the loaded value. Prepaid cards include gift cards, travel cards and budgeting cards, and they are often used by customers without a full bank account.",[578,727,728],{},"Points for merchants to note:",[730,731,732,736,739],"ul",{},[733,734,735],"li",{},"Prepaid cards frequently fail on recurring payments because the balance may be empty when the charge is attempted.",[733,737,738],{},"Some prepaid products are blocked for online, international or merchant-initiated transactions.",[733,740,741],{},"Refunds to a prepaid card go back onto the card balance, which can be a problem if the card has expired or been discarded.",[585,743,745],{"id":744},"does-the-card-type-matter-for-merchants","Does the Card Type Matter for Merchants?",[578,747,748],{},"In most cases you accept all three types through the same terminal or checkout without doing anything different. The card type matters most when you:",[730,750,751,767,776],{},[733,752,753,757,758,762,763,766],{},[754,755,756],"strong",{},"Bill on a schedule"," – expect more retries and failures on debit and prepaid cards. See ",[759,760,761],"a",{"href":233},"Recurring Card Payments: CIT and MIT"," and ",[759,764,765],{"href":506},"Dunning and Payment Recovery",".",[733,768,769,772,773,766],{},[754,770,771],{},"Place holds"," – pre-authorisations on debit cards lock up the customer's real cash, which can cause complaints. See ",[759,774,775],{"href":257},"Authorisation, Capture and Pre-Authorisation",[733,777,778,781,782,766],{},[754,779,780],{},"Process refunds"," – a refund always goes back to the original card, whatever the type. See ",[759,783,784],{"href":237},"Card Refunds, Reversals and Voids",[585,786,788],{"id":787},"related-topics","Related Topics",[730,790,791,796,801,806],{},[733,792,793],{},[759,794,795],{"href":218},"Card payments hub",[733,797,798],{},[759,799,800],{"href":225},"How Do Card Payments Work?",[733,802,803],{},[759,804,805],{"href":261},"Why Do Card Payments Get Declined?",[733,807,808],{},[759,809,810],{"href":514},"Backup Cards and Account Updaters",{"title":812,"searchDepth":813,"depth":814,"links":815},"",1,2,[816,817,818,819,820,821],{"id":587,"depth":814,"text":588},{"id":701,"depth":814,"text":702},{"id":711,"depth":814,"text":712},{"id":721,"depth":814,"text":722},{"id":744,"depth":814,"text":745},{"id":787,"depth":814,"text":788},"Compare debit, credit and prepaid cards, how each is funded and authorised, and what the differences mean for merchants accepting card payments.","md",null,{},{"title":240},{"title":573,"description":822},{"loc":241},"lqUIJsx_vMHwZiax2wlWDKUxHS57aHT7PRL8GcXYoB4",[831,833],{"title":236,"path":237,"stem":238,"description":832,"children":-1},"The difference between a refund, a reversal and a void on card payments, how long each takes to reflect, and what they cost the merchant.",{"title":244,"path":245,"stem":246,"description":834,"children":-1},"Learn the difference between card-present and card-not-present transactions and how it affects fraud risk, chargeback liability and processing fees.",1785156403677]