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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":1037,"extension":1038,"links":1039,"meta":1040,"navigation":1041,"path":155,"seo":1042,"sitemap":1043,"stem":156,"__hash__":1044},"docs\u002F0.faq\u002F12.reference\u002F1.glossary.md","Payments Glossary: Key Terms Explained",{"type":575,"value":576,"toc":1014},"minimark",[577,581,593,597,632,636,650,654,686,690,712,716,736,740,748,752,760,764,772,776,790,794,811,815,829,832,859,863,901,905,937,941,969,973,990,994,1002,1006],[578,579,580],"p",{},"This glossary defines the payment terms you are most likely to encounter when collecting debit orders, accepting card payments or making payouts in South Africa. Terms are listed alphabetically with short, practical definitions.",[578,582,583,584,588,589,592],{},"For acronyms and abbreviations, see the ",[585,586,587],"a",{"href":159},"acronym list",". For more reference material, return to the ",[585,590,591],{"href":148},"Reference hub",".",[594,595,596],"h2",{"id":585},"A",[598,599,600,608,614,620,626],"ul",{},[601,602,603,607],"li",{},[604,605,606],"strong",{},"Abbreviated short name"," — The short creditor name that appears on the payer's bank statement next to a debit order, so the payer can identify who debited their account. Also called the ABSN or statement descriptor.",[601,609,610,613],{},[604,611,612],{},"Acquirer"," — The bank or licensed institution that enables a merchant to accept card payments and receives the transaction on the merchant's behalf.",[601,615,616,619],{},[604,617,618],{},"Action date"," — The date on which a debit order payment instruction is due to be processed against the payer's account.",[601,621,622,625],{},[604,623,624],{},"Authenticated collections"," — The formal name for DebiCheck: debit orders where the payer electronically confirms the mandate with their bank before the first collection.",[601,627,628,631],{},[604,629,630],{},"Authorisation"," — The step where the payer's bank or card issuer approves a payment request, confirming the account or card is valid and funds are available.",[594,633,635],{"id":634},"b","B",[598,637,638,644],{},[601,639,640,643],{},[604,641,642],{},"Batch processing"," — Submitting many payment instructions together in a file for processing in a scheduled window, rather than one at a time in real time.",[601,645,646,649],{},[604,647,648],{},"Beneficiary"," — The party receiving a payment, for example the account holder receiving a payout or EFT credit.",[594,651,653],{"id":652},"c","C",[598,655,656,662,668,674,680],{},[601,657,658,661],{},[604,659,660],{},"Card-not-present (CNP)"," — A card transaction where the physical card is not presented, such as an online or telephone payment.",[601,663,664,667],{},[604,665,666],{},"Chargeback"," — A card dispute process where the cardholder's bank reverses a transaction and reclaims the funds from the merchant's acquirer.",[601,669,670,673],{},[604,671,672],{},"Clearing"," — The exchange of payment instructions and data between banks so that each bank knows what to debit and credit.",[601,675,676,679],{},[604,677,678],{},"Collection"," — A debit order payment instruction submitted against a payer's account under a mandate.",[601,681,682,685],{},[604,683,684],{},"Cut-off time"," — The deadline by which a payment or collection file must be submitted to be processed in a given cycle or on a given day.",[594,687,689],{"id":688},"d","D",[598,691,692,700,706],{},[601,693,694,696,697,592],{},[604,695,323],{}," — A South African debit order type where the payer electronically approves the mandate with their bank before collections start, giving the mandate protected dispute status. See ",[585,698,699],{"href":331},"how DebiCheck works",[601,701,702,705],{},[604,703,704],{},"Debit order"," — An instruction that lets a creditor collect money from a payer's bank account under an agreed mandate, on a recurring or once-off basis.",[601,707,708,711],{},[604,709,710],{},"Dispute"," — A payer's formal challenge to a payment, such as a debit order dispute at their bank or a card chargeback.",[594,713,715],{"id":714},"e","E",[598,717,718,724,730],{},[601,719,720,723],{},[604,721,722],{},"Early processing window"," — A processing slot ahead of the normal EFT run, historically associated with NAEDO and now with DebiCheck and registered mandate collections, which improves the chance of collecting when funds land in the account.",[601,725,726,729],{},[604,727,728],{},"EFT"," — Electronic funds transfer: the batch-based payment rails used for ordinary credit payments and EFT debit orders in South Africa.",[601,731,732,735],{},[604,733,734],{},"Electronic mandate"," — A mandate accepted through an electronic channel, such as a website, app or voice recording, rather than on paper.",[594,737,739],{"id":738},"f","F",[598,741,742],{},[601,743,744,747],{},[604,745,746],{},"Finality"," — The point at which a payment is settled and can no longer be recalled by the sender, as with RTC and RTGS payments.",[594,749,751],{"id":750},"g","G",[598,753,754],{},[601,755,756,759],{},[604,757,758],{},"Gateway"," — The technology service that securely captures payment details and passes transactions between the merchant and the acquirer or processor.",[594,761,763],{"id":762},"h","H",[598,765,766],{},[601,767,768,771],{},[604,769,770],{},"Homing account"," — The bank account against which a debit order or payment instruction is directed, identified by the branch code and account number in the instruction.",[594,773,775],{"id":774},"i","I",[598,777,778,784],{},[601,779,780,783],{},[604,781,782],{},"Interchange"," — The fee paid between banks on a card transaction, typically from the acquirer to the issuer, which forms part of the merchant's cost of acceptance.",[601,785,786,789],{},[604,787,788],{},"Issuer"," — The bank or institution that issued the payer's card or holds the payer's account.",[594,791,793],{"id":792},"m","M",[598,795,796,805],{},[601,797,798,801,802,592],{},[604,799,800],{},"Mandate"," — The payer's recorded authority allowing a creditor to collect debit orders from their account under agreed terms. See ",[585,803,804],{"href":284},"minimum mandate requirements",[601,806,807,810],{},[604,808,809],{},"Merchant account"," — The facility, provided by an acquirer or payment provider, that allows a business to accept card payments and receive settlement.",[594,812,814],{"id":813},"n","N",[598,816,817,823],{},[601,818,819,822],{},[604,820,821],{},"NAEDO"," — Non-authenticated early debit order: a legacy early-window debit order type that was retired in 2021 and replaced by DebiCheck.",[601,824,825,828],{},[604,826,827],{},"No-show \u002F non-response"," — In DebiCheck, when a payer does not respond to a mandate authentication request before it expires.",[594,830,831],{"id":578},"P",[598,833,834,840,846,853],{},[601,835,836,839],{},[604,837,838],{},"Payer"," — The party whose account is debited or who sends a payment.",[601,841,842,845],{},[604,843,844],{},"Payment instruction"," — The individual instruction submitted into a payment stream to debit or credit an account.",[601,847,848,850,851,592],{},[604,849,462],{}," — South Africa's low-value instant payment service, which supports paying to a bank account or a ShapID proxy. See ",[585,852,462],{"href":463},[601,854,855,858],{},[604,856,857],{},"Payout"," — A payment made by a business to a bank account, for example refunds, supplier payments or wage disbursements.",[594,860,862],{"id":861},"r","R",[598,864,865,871,880,886,895],{},[601,866,867,870],{},[604,868,869],{},"Real-time clearing (RTC)"," — The payment rail that clears once-off credit payments between banks within seconds rather than in batch cycles.",[601,872,873,876,877,592],{},[604,874,875],{},"Reason code"," — A code returned by a bank explaining why a payment failed, was unpaid or was declined. See the ",[585,878,879],{"href":167},"reason code directory",[601,881,882,885],{},[604,883,884],{},"Reconciliation"," — Matching payment records against bank statements and settlement reports to confirm that expected money actually moved.",[601,887,888,891,892,592],{},[604,889,890],{},"Registered mandate"," — A debit order mandate registered with the payer's bank through the Registered Mandate Service, giving banks visibility of the mandate without requiring payer authentication. See ",[585,893,894],{"href":394},"what is a registered mandate",[601,896,897,900],{},[604,898,899],{},"Reversal"," — The return of a payment after processing, either by the payer's bank (for example a disputed debit order) or by the originator correcting an error.",[594,902,904],{"id":903},"s","S",[598,906,907,913,919,925,931],{},[601,908,909,912],{},[604,910,911],{},"Settlement"," — The actual movement of money between banks to discharge cleared obligations, typically across accounts held at the SARB.",[601,914,915,918],{},[604,916,917],{},"ShapID"," — A PayShap proxy, such as a cellphone number, that is linked to a bank account so payments can be addressed without sharing account details.",[601,920,921,924],{},[604,922,923],{},"Sponsoring bank"," — The bank that sponsors a non-bank participant, such as a TPPP or system operator, into the clearing system and takes responsibility for its entries.",[601,926,927,930],{},[604,928,929],{},"Stop payment"," — An instruction by the payer to their bank to block a specific debit order from being processed.",[601,932,933,936],{},[604,934,935],{},"Switch"," — Infrastructure that routes transactions between parties, for example between an ATM or POS device and the correct issuer.",[594,938,940],{"id":939},"t","T",[598,942,943,949,955,961],{},[601,944,945,948],{},[604,946,947],{},"Tokenisation"," — Replacing sensitive card details with a token so the real card number does not need to be stored or transmitted.",[601,950,951,954],{},[604,952,953],{},"TPPP"," — Third party payment provider: an entity that collects or pays out funds on behalf of others across its own bank account, under sponsorship and registration requirements.",[601,956,957,960],{},[604,958,959],{},"Tracking"," — Re-presenting a debit order over several days so it can collect as soon as sufficient funds arrive in the payer's account.",[601,962,963,966,967,592],{},[604,964,965],{},"Transaction type (TT1, TT2, TT3)"," — The three DebiCheck mandate authentication methods: real-time, delayed and card-and-PIN authentication. See ",[585,968,358],{"href":359},[594,970,972],{"id":971},"u","U",[598,974,975,984],{},[601,976,977,980,981,592],{},[604,978,979],{},"Unpaid"," — A debit order returned by the payer's bank without payment, together with a reason such as insufficient funds. See ",[585,982,983],{"href":312},"unpaids, returns and resubmissions",[601,985,986,989],{},[604,987,988],{},"User code"," — The identifier assigned to a collecting party in the debit order system, used to link payment instructions to the responsible creditor.",[594,991,993],{"id":992},"v","V",[598,995,996],{},[601,997,998,1001],{},[604,999,1000],{},"Value date"," — The date on which funds become available in the receiving account, which can differ from the date the instruction was processed.",[594,1003,1005],{"id":1004},"w","W",[598,1007,1008],{},[601,1009,1010,1013],{},[604,1011,1012],{},"Webhook"," — An automated notification sent to your system when a payment event occurs, such as a status change on a collection.",{"title":1015,"searchDepth":1016,"depth":1017,"links":1018},"",1,2,[1019,1020,1021,1022,1023,1024,1025,1026,1027,1028,1029,1030,1031,1032,1033,1034,1035,1036],{"id":585,"depth":1017,"text":596},{"id":634,"depth":1017,"text":635},{"id":652,"depth":1017,"text":653},{"id":688,"depth":1017,"text":689},{"id":714,"depth":1017,"text":715},{"id":738,"depth":1017,"text":739},{"id":750,"depth":1017,"text":751},{"id":762,"depth":1017,"text":763},{"id":774,"depth":1017,"text":775},{"id":792,"depth":1017,"text":793},{"id":813,"depth":1017,"text":814},{"id":578,"depth":1017,"text":831},{"id":861,"depth":1017,"text":862},{"id":903,"depth":1017,"text":904},{"id":939,"depth":1017,"text":940},{"id":971,"depth":1017,"text":972},{"id":992,"depth":1017,"text":993},{"id":1004,"depth":1017,"text":1005},"An A to Z glossary of payment terms used in South Africa, from acquiring and action dates to mandates, settlement, tracking and value dates.","md",null,{},{"title":154},{"title":573,"description":1037},{"loc":155},"eRQp2vF-TfWxJpD2nB6VqF2YM1SvvebzILmhAmQET-k",[1046,1048],{"title":147,"path":148,"stem":149,"description":1047,"icon":152,"children":-1},"Quick-reference material for payments, including a glossary, acronym list, payment status and reason code directories, industry roles and regulators.",{"title":158,"path":159,"stem":160,"description":1049,"children":-1},"A quick-reference list of payment acronyms, including EFT, RTC, RTGS, DebiCheck TT1-TT3, RM, RMS, AVS, CDV, PASA, PCI DSS, CIT, MIT and more.",1785156468337]