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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":705,"extension":706,"links":707,"meta":708,"navigation":709,"path":175,"seo":710,"sitemap":711,"stem":176,"__hash__":712},"docs\u002F0.faq\u002F12.reference\u002F6.regulators-and-industry-organisations.md","Payment Regulators and Industry Organisations in South Africa",{"type":575,"value":576,"toc":690},"minimark",[577,581,593,598,601,605,608,612,615,619,622,626,632,636,639,643,646,650,653,657,667,671],[578,579,580],"p",{},"South Africa's payment system is governed and operated by a small set of organisations, each with a distinct mandate: the central bank oversees the system, an industry body manages the operational rules, a clearing house runs the infrastructure, and several regulators and ombud schemes protect consumers and data. Knowing who does what helps you direct questions, complaints and compliance obligations to the right place.",[578,582,583,584,588,589,592],{},"This page introduces each organisation briefly. For how the system itself works, see ",[585,586,587],"a",{"href":50},"the South African national payment system",", or return to the ",[585,590,591],{"href":148},"Reference hub",".",[594,595,597],"h2",{"id":596},"south-african-reserve-bank-sarb","South African Reserve Bank (SARB)",[578,599,600],{},"The SARB is the central bank and the ultimate authority over the national payment system. Its National Payment System Department regulates and oversees payment systems under the National Payment System Act, decides who may participate in clearing and settlement, and operates the SAMOS real-time gross settlement system where interbank obligations are finally settled. Major payment reforms, such as DebiCheck and PayShap, happen under SARB direction.",[594,602,604],{"id":603},"payments-association-of-south-africa-pasa","Payments Association of South Africa (PASA)",[578,606,607],{},"PASA has historically been the payment system management body recognised by the SARB, responsible for the operational rules of each payment stream: debit orders, EFT, cards, real-time payments and more. Collection rules such as mandate requirements and dispute processes originate here. As part of the SARB's broader payments reform, PASA's functions are transitioning to a new, more inclusive payments industry body that will represent non-bank participants alongside banks.",[594,609,611],{"id":610},"bankservafrica","BankservAfrica",[578,613,614],{},"BankservAfrica is South Africa's automated clearing house. It operates the interbank infrastructure for EFT credits and debits, debit order collections, DebiCheck, real-time clearing and PayShap, exchanging payment instructions between banks and calculating their positions for settlement at the SARB. When your debit order file is processed \"at Bankserv\", this is the organisation involved.",[594,616,618],{"id":617},"financial-sector-conduct-authority-fsca","Financial Sector Conduct Authority (FSCA)",[578,620,621],{},"The FSCA regulates the market conduct of financial institutions, focusing on fair treatment of customers. Businesses offering financial products or services may need FSCA licensing, and its conduct standards shape how payment-adjacent services are sold and administered.",[594,623,625],{"id":624},"financial-intelligence-centre-fic","Financial Intelligence Centre (FIC)",[578,627,628,629,592],{},"The FIC administers the Financial Intelligence Centre Act (FICA), South Africa's anti-money laundering framework. Accountable institutions must verify customer identities, keep records and report suspicious transactions to the FIC. This is why payment providers ask for company documents and director IDs during onboarding. See ",[585,630,631],{"href":533},"KYC, AML, sanctions and POPIA",[594,633,635],{"id":634},"information-regulator","Information Regulator",[578,637,638],{},"The Information Regulator enforces the Protection of Personal Information Act (POPIA), which governs how personal information, including bank account details and payment records, is collected, stored and shared. Anyone processing payer data in South Africa must comply, and data breaches involving personal information must be reported to the Regulator.",[594,640,642],{"id":641},"ombudsman-for-banking-services-national-financial-ombud","Ombudsman for Banking Services \u002F National Financial Ombud",[578,644,645],{},"Consumers with unresolved complaints against their bank, including debit order disputes, can escalate to the ombud scheme at no cost. The Ombudsman for Banking Services has been consolidated into the National Financial Ombud Scheme, which now handles banking complaints alongside credit, insurance and other financial services complaints. Businesses should resolve customer payment complaints promptly, because unresolved disputes can end up here.",[594,647,649],{"id":648},"card-schemes","Card schemes",[578,651,652],{},"Visa, Mastercard and other international card schemes are not South African regulators, but their rules bind every issuer, acquirer and merchant accepting their cards. Scheme rules govern chargebacks, interchange, security standards such as PCI DSS, and authentication requirements such as 3-D Secure.",[594,654,656],{"id":655},"consumer-resources","Consumer resources",[578,658,659,660,666],{},"For consumers wanting to understand or verify DebiCheck debit orders, the industry maintains ",[585,661,665],{"href":662,"rel":663},"https:\u002F\u002Fwww.debicheck.co.za",[664],"nofollow","www.debicheck.co.za"," as a plain-language resource explaining how DebiCheck works and what payers' rights are. It is a useful link to share with customers who are unsure about a mandate request from their bank.",[594,668,670],{"id":669},"related-reading","Related reading",[672,673,674,680,685],"ul",{},[675,676,677],"li",{},[585,678,679],{"href":171},"Who does what in the payments industry",[675,681,682],{},[585,683,684],{"href":50},"The South African national payment system",[675,686,687],{},[585,688,689],{"href":316},"Debit order disputes and stop payments",{"title":691,"searchDepth":692,"depth":693,"links":694},"",1,2,[695,696,697,698,699,700,701,702,703,704],{"id":596,"depth":693,"text":597},{"id":603,"depth":693,"text":604},{"id":610,"depth":693,"text":611},{"id":617,"depth":693,"text":618},{"id":624,"depth":693,"text":625},{"id":634,"depth":693,"text":635},{"id":641,"depth":693,"text":642},{"id":648,"depth":693,"text":649},{"id":655,"depth":693,"text":656},{"id":669,"depth":693,"text":670},"The organisations that govern South African payments, including the SARB, PASA, BankservAfrica, the Payments Ombud and international card schemes.","md",null,{},{"title":174},{"title":573,"description":705},{"loc":175},"dtVzvaLEzWaGICY3KrGMTE6YMrZtPbG9VAy7FRR6fyY",[714,716],{"title":170,"path":171,"stem":172,"description":715,"children":-1},"The roles that make payments work, including issuers, acquirers, sponsors, system operators, TPPPs, PSPs, switches and clearing houses.",{"title":178,"path":179,"stem":180,"description":717,"children":-1},"A running log of notable changes in South African payments, from the DebiCheck rollout and NAEDO sunset to PayShap launches and rule updates.",1785156470609]