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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":844,"extension":845,"links":846,"meta":847,"navigation":848,"path":300,"seo":849,"sitemap":850,"stem":301,"__hash__":851},"docs\u002F0.faq\u002F4.debit-orders\u002F4.types-of-debit-order-mandates.md","What Types of Debit Order Mandates Are There?",{"type":575,"value":576,"toc":833},"minimark",[577,581,584,589,612,619,623,649,653,764,768,771,792,795,799,805,809],[578,579,580],"p",{},"A debit order mandate can be captured and evidenced in several ways, and it can be processed through different collection systems. Both choices matter: how the mandate is captured determines what evidence you hold, and which system it runs on determines how resistant the collection is to disputes.",[578,582,583],{},"This page looks at the two dimensions separately — the form of the mandate, and the system the mandate is processed through — and then compares them.",[585,586,588],"h2",{"id":587},"what-forms-can-a-mandate-take","What forms can a mandate take?",[590,591,592,600,606],"ul",{},[593,594,595,599],"li",{},[596,597,598],"strong",{},"Paper mandate"," – the customer signs a physical form. Simple and familiar, but slow to capture, easy to lose and harder to match to electronic collections at scale.",[593,601,602,605],{},[596,603,604],{},"Voice mandate"," – the customer gives authority in a recorded telephone call. Common in outbound sales; the recording is the evidence, so call quality, script wording and storage matter.",[593,607,608,611],{},[596,609,610],{},"Electronic mandate"," – the customer accepts the mandate terms online or in an app. The platform records the acceptance with an audit trail: date and time, mandate wording, device and IP information. This is the most practical form for digital onboarding, provided the acceptance is clear and unambiguous.",[578,613,614,615,618],{},"Whatever the form, the mandate must meet the same content standard — see ",[616,617,283],"a",{"href":284},".",[585,620,622],{"id":621},"which-system-processes-the-mandate","Which system processes the mandate?",[590,624,625,633,641],{},[593,626,627,630,631,618],{},[596,628,629],{},"EFT mandate"," – the mandate is held by the service provider only. The customer's bank has no record of it and relies on the collector's assurance that it exists. See ",[616,632,291],{"href":292},[593,634,635,638,639,618],{},[596,636,637],{},"DebiCheck mandate"," – the mandate is electronically confirmed by the customer with their own bank before the first collection, using their banking app, USSD or ATM. Once authenticated, the bank holds a record of the approved terms. See ",[616,640,330],{"href":331},[593,642,643,646,647,618],{},[596,644,645],{},"Registered mandate (RMS)"," – the mandate is registered with the banks through the Registered Mandate Service but is not authenticated by the customer. It collects in the early processing window, at second priority to authenticated DebiCheck collections. See ",[616,648,393],{"href":394},[585,650,652],{"id":651},"how-do-the-mandate-types-compare","How do the mandate types compare?",[654,655,656,671],"table",{},[657,658,659],"thead",{},[660,661,662,665,667,669],"tr",{},[663,664],"th",{},[663,666,629],{},[663,668,645],{},[663,670,637],{},[672,673,674,689,701,714,725,739,750],"tbody",{},[660,675,676,680,683,686],{},[677,678,679],"td",{},"Held at the customer's bank",[677,681,682],{},"No",[677,684,685],{},"Registered",[677,687,688],{},"Registered and authenticated",[660,690,691,694,696,698],{},[677,692,693],{},"Customer confirms with their bank",[677,695,682],{},[677,697,682],{},[677,699,700],{},"Yes",[660,702,703,706,708,711],{},[677,704,705],{},"Early processing window",[677,707,682],{},[677,709,710],{},"Yes, second priority",[677,712,713],{},"Yes, first priority",[660,715,716,719,721,723],{},[677,717,718],{},"Tracking of failed collections",[677,720,682],{},[677,722,700],{},[677,724,700],{},[660,726,727,730,733,736],{},[677,728,729],{},"Dispute resistance",[677,731,732],{},"Lowest",[677,734,735],{},"Moderate",[677,737,738],{},"Highest",[660,740,741,744,746,748],{},[677,742,743],{},"Relative cost",[677,745,732],{},[677,747,735],{},[677,749,738],{},[660,751,752,755,758,761],{},[677,753,754],{},"Typical use",[677,756,757],{},"Reliable payers, low-value billing",[677,759,760],{},"Books needing tracking without authentication friction",[677,762,763],{},"Credit agreements, high-risk collections",[585,765,767],{"id":766},"which-mandate-type-should-you-choose","Which mandate type should you choose?",[578,769,770],{},"The service provider chooses the system — consumers cannot — so the decision comes down to the economics of your book:",[590,772,773,780,786],{},[593,774,775,776,779],{},"Use ",[596,777,778],{},"EFT mandates"," where customers pay reliably and cost per collection matters most.",[593,781,775,782,785],{},[596,783,784],{},"registered mandates"," where you want early-window collection and tracking, but authentication would add too much friction at onboarding.",[593,787,775,788,791],{},[596,789,790],{},"DebiCheck mandates"," where certainty of recovery matters, disputes are likely, or the collections relate to credit agreements.",[578,793,794],{},"Many businesses mix all three, moving customers between mandate types as their payment behaviour changes. Kwik supports EFT, DebiCheck and registered mandate collections on one platform, so a single customer relationship can move to a stronger mandate type without re-onboarding.",[585,796,798],{"id":797},"what-about-naedo-and-aedo-mandates","What about NAEDO and AEDO mandates?",[578,800,801,802,618],{},"NAEDO and AEDO were the earlier tracking-based debit order services, replaced by DebiCheck and RMS under the Authenticated Collections project. Existing mandates were migrated rather than cancelled — see ",[616,803,804],{"href":320},"What Happened to NAEDO and AEDO?",[585,806,808],{"id":807},"related-topics","Related topics",[590,810,811,816,821,825,829],{},[593,812,813],{},[616,814,815],{"href":273},"Debit Orders hub",[593,817,818],{},[616,819,820],{"href":296},"What Is a Debit Order Mandate?",[593,822,823],{},[616,824,283],{"href":284},[593,826,827],{},[616,828,330],{"href":331},[593,830,831],{},[616,832,393],{"href":394},{"title":834,"searchDepth":835,"depth":836,"links":837},"",1,2,[838,839,840,841,842,843],{"id":587,"depth":836,"text":588},{"id":621,"depth":836,"text":622},{"id":651,"depth":836,"text":652},{"id":766,"depth":836,"text":767},{"id":797,"depth":836,"text":798},{"id":807,"depth":836,"text":808},"Compare paper, voice, electronic, DebiCheck and registered mandates, and learn which mandate type is right for your collections and dispute risk.","md",null,{},{"title":299},{"title":573,"description":844},{"loc":300},"sn3S6TwTxhAPoOwV1lvgAp47UapUhV6TGh5d8PEIxLk",[853,855],{"title":295,"path":296,"stem":297,"description":854,"children":-1},"Understand what a debit order mandate is, why it is legally required before collecting, and what happens if you collect without a valid mandate.",{"title":303,"path":304,"stem":305,"description":856,"children":-1},"How debit order action dates, submission cut-offs, banking and non-banking days and date adjustment rules determine when your collections run.",1785156427681]