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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":806,"extension":807,"links":808,"meta":809,"navigation":810,"path":359,"seo":811,"sitemap":812,"stem":360,"__hash__":813},"docs\u002F0.faq\u002F5.debicheck\u002F3.transaction-types-tt1-tt2-tt3.md","What Are DebiCheck Transaction Types TT1, TT2 and TT3?",{"type":575,"value":576,"toc":795},"minimark",[577,586,589,594,601,608,612,618,621,625,632,635,639,733,737,757,760,770,774],[578,579,580,581,585],"p",{},"DebiCheck supports three transaction types — TT1, TT2 and TT3 — which describe ",[582,583,584],"strong",{},"how and when the consumer authenticates the mandate"," with their bank. The mandate terms are the same in each case; what differs is the authentication channel and the time the consumer has to respond.",[578,587,588],{},"Choosing the right transaction type has a real impact on sign-up conversion. A consumer sitting in front of a sales agent can approve a TT1 request in seconds, while a consumer signing up online after hours may be better served by a TT2 request they can action later through their bank.",[590,591,593],"h2",{"id":592},"what-is-tt1-real-time-authentication","What is TT1 (real-time authentication)?",[578,595,596,597,600],{},"TT1 is an immediate, real-time authentication. The consumer's bank sends an authentication request straight to the consumer — typically a USSD prompt or a banking app push notification — and the consumer must respond within roughly ",[582,598,599],{},"120 seconds",".",[578,602,603,604,600],{},"TT1 works best when the consumer is present and expecting the request, for example during a telephonic or in-person sign-up. Because the response comes back in real time, the service provider knows immediately whether the mandate was authenticated, which suits API-driven sign-up flows — see ",[605,606,607],"a",{"href":339},"API vs host-to-host",[590,609,611],{"id":610},"what-is-tt2-delayed-or-batch-authentication","What is TT2 (delayed or batch authentication)?",[578,613,614,615,600],{},"TT2 is a delayed authentication. The mandate request is lodged with the consumer's bank, and the consumer then authenticates it through one of their bank's channels — banking app, USSD, internet banking, cellphone banking, ATM or in branch — by the ",[582,616,617],{},"end of the next business day",[578,619,620],{},"TT2 suits situations where the consumer cannot respond immediately: online sign-ups, batch onboarding of existing customers, or cases where a TT1 request timed out. The trade-off is that the outcome is not known immediately, so sign-up flows must handle a pending state.",[590,622,624],{"id":623},"what-is-tt3-card-and-pin-authentication","What is TT3 (card-and-PIN authentication)?",[578,626,627,628,631],{},"TT3 authenticates the mandate using the consumer's ",[582,629,630],{},"bank card and PIN on a device",", typically a card machine at the point of sale (or an ATM). The consumer confirms the mandate terms and enters their PIN, which serves as the authentication.",[578,633,634],{},"TT3 suits face-to-face environments such as retail stores and branch networks, where a card device is available and the consumer can approve on the spot without relying on their cellphone.",[590,636,638],{"id":637},"tt1-vs-tt2-vs-tt3-at-a-glance","TT1 vs TT2 vs TT3 at a glance",[640,641,642,660],"table",{},[643,644,645],"thead",{},[646,647,648,651,654,657],"tr",{},[649,650],"th",{},[649,652,653],{},"TT1",[649,655,656],{},"TT2",[649,658,659],{},"TT3",[661,662,663,678,692,706,719],"tbody",{},[646,664,665,669,672,675],{},[666,667,668],"td",{},"Authentication method",[666,670,671],{},"Real-time USSD or app push from the bank",[666,673,674],{},"Consumer authenticates via their bank's channels",[666,676,677],{},"Card and PIN on a device",[646,679,680,683,686,689],{},[666,681,682],{},"Time to respond",[666,684,685],{},"About 120 seconds",[666,687,688],{},"Until end of next business day",[666,690,691],{},"Immediate, at the device",[646,693,694,697,700,703],{},[666,695,696],{},"Consumer must be present",[666,698,699],{},"Yes, with their phone",[666,701,702],{},"No",[666,704,705],{},"Yes, with their bank card",[646,707,708,711,714,717],{},[666,709,710],{},"Result known",[666,712,713],{},"Immediately",[666,715,716],{},"Delayed",[666,718,713],{},[646,720,721,724,727,730],{},[666,722,723],{},"Typical use case",[666,725,726],{},"Call centre and assisted digital sign-ups",[666,728,729],{},"Online sign-ups, batch onboarding",[666,731,732],{},"Retail and point-of-sale sign-ups",[590,734,736],{"id":735},"which-transaction-type-should-a-business-use","Which transaction type should a business use?",[738,739,740,747,752],"ul",{},[741,742,743,744,746],"li",{},"Use ",[582,745,653],{}," when the consumer is engaged in real time and has their phone with them — it gives the fastest confirmation and the cleanest sign-up flow.",[741,748,743,749,751],{},[582,750,656],{}," as the default for online or asynchronous journeys, and as a fallback when a TT1 request expires without a response.",[741,753,743,754,756],{},[582,755,659],{}," where you have physical card devices and want to authenticate at the point of sale.",[578,758,759],{},"Many businesses combine them: attempt TT1 first, then fall back to TT2 if the consumer does not respond in time. Kwik supports this pattern as part of its DebiCheck collections service.",[578,761,762,763,766,767,600],{},"Note that Registered Mandates (RM\u002FRMS) are the related ",[582,764,765],{},"non-authenticated"," route, where the mandate is registered with the bank without consumer authentication — see ",[605,768,769],{"href":394},"what is a Registered Mandate",[590,771,773],{"id":772},"related-topics","Related topics",[738,775,776,781,786,791],{},[741,777,778],{},[605,779,780],{"href":324},"DebiCheck hub",[741,782,783],{},[605,784,785],{"href":363},"Mandate authentication",[741,787,788],{},[605,789,790],{"href":331},"How DebiCheck works",[741,792,793],{},[605,794,401],{"href":402},{"title":796,"searchDepth":797,"depth":798,"links":799},"",1,2,[800,801,802,803,804,805],{"id":592,"depth":798,"text":593},{"id":610,"depth":798,"text":611},{"id":623,"depth":798,"text":624},{"id":637,"depth":798,"text":638},{"id":735,"depth":798,"text":736},{"id":772,"depth":798,"text":773},"Compare DebiCheck TT1 real-time, TT2 delayed and TT3 card-and-PIN authentication, including timeouts, use cases and when each transaction type applies.","md",null,{},{"title":358},{"title":573,"description":806},{"loc":359},"VKYBQ5rV6al7um-uCkx51C3DO43ZjSAwFWEtpu9MD4c",[815,817],{"title":354,"path":355,"stem":356,"description":816,"children":-1},"Understand the two halves of DebiCheck: the authenticated mandate that grants permission, and the collection instructions that debit the account.",{"title":362,"path":363,"stem":364,"description":818,"children":-1},"How payers approve DebiCheck mandates via banking apps, USSD, ATMs and card-and-PIN devices, and what happens when authentication is rejected or expires.",1785156415344]