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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":813,"extension":814,"links":815,"meta":816,"navigation":817,"path":424,"seo":818,"sitemap":819,"stem":425,"__hash__":820},"docs\u002F0.faq\u002F6.registered-mandates\u002F9.api-vs-host-to-host.md","Registered Mandates: API vs Host-to-Host Integration",{"type":575,"value":576,"toc":802},"minimark",[577,581,584,589,592,605,608,612,615,626,629,633,722,729,733,736,757,764,768,775,778,782],[578,579,580],"p",{},"Every registered mandate operation — registration, amendment, suspension, cancellation and the collections that follow — is ultimately an ISO 20022 message exchanged between your sponsoring bank and the payer's bank. What you choose is how those messages reach your bank: through a real-time API or through host-to-host (H2H) file exchange.",[578,582,583],{},"Banks typically publish both options — for example, Absa offers a Registered Mandate host-to-host file specification alongside its Registered Mandate API. Both carry the same operations; they differ in interaction style, latency and operational model.",[585,586,588],"h2",{"id":587},"what-is-the-api-integration-model","What is the API integration model?",[578,590,591],{},"With an API integration, your system calls the bank's registered mandate API for each operation and receives responses over the same channel:",[593,594,595,599,602],"ul",{},[596,597,598],"li",{},"You send a registration, amendment, suspension or cancellation request as an individual API call.",[596,600,601],{},"Validation failures surface immediately, so errors can be fixed while the customer interaction is still live.",[596,603,604],{},"Status updates and outcomes are returned as API responses or asynchronous notifications.",[578,606,607],{},"APIs suit event-driven flows: a customer signs up on your website, and you register the mandate as part of the onboarding journey, confirming success before the session ends.",[585,609,611],{"id":610},"what-is-the-host-to-host-integration-model","What is the host-to-host integration model?",[578,613,614],{},"With host-to-host integration, you exchange batch files with the bank over a secure managed connection:",[593,616,617,620,623],{},[596,618,619],{},"You compile mandate instructions and collections into files in the bank's specified format and transmit them on an agreed schedule.",[596,621,622],{},"The bank processes the file and returns response files with the outcome of each instruction.",[596,624,625],{},"Your systems import the response files and update mandate and collection statuses.",[578,627,628],{},"H2H suits scheduled, high-volume processing: a monthly billing run that registers, amends and collects against thousands of mandates in one batch.",[585,630,632],{"id":631},"how-do-the-two-models-compare","How do the two models compare?",[634,635,636,652],"table",{},[637,638,639],"thead",{},[640,641,642,646,649],"tr",{},[643,644,645],"th",{},"Aspect",[643,647,648],{},"API",[643,650,651],{},"Host-to-host",[653,654,655,667,678,689,700,711],"tbody",{},[640,656,657,661,664],{},[658,659,660],"td",{},"Interaction",[658,662,663],{},"Per-mandate, real-time requests",[658,665,666],{},"Batched files on a schedule",[640,668,669,672,675],{},[658,670,671],{},"Feedback",[658,673,674],{},"Immediate validation and responses",[658,676,677],{},"Response files after processing",[640,679,680,683,686],{},[658,681,682],{},"Best for",[658,684,685],{},"Onboarding journeys, event-driven registration",[658,687,688],{},"Bulk billing runs, large books",[640,690,691,694,697],{},[658,692,693],{},"Volume handling",[658,695,696],{},"One call per operation; high volumes need throughput planning",[658,698,699],{},"Thousands of instructions per file",[640,701,702,705,708],{},[658,703,704],{},"Error handling",[658,706,707],{},"Fix and retry in-session",[658,709,710],{},"Correct and resubmit in the next file cycle",[640,712,713,716,719],{},[658,714,715],{},"Build effort",[658,717,718],{},"REST\u002FJSON style development, authentication, retries, idempotency",[658,720,721],{},"File generation, transfer scheduling, response reconciliation",[578,723,724,725,728],{},"The general trade-offs between these styles apply across all payment types — see ",[726,727,104],"a",{"href":105}," for the broader discussion.",[585,730,732],{"id":731},"which-should-you-choose","Which should you choose?",[578,734,735],{},"Consider your operating pattern:",[593,737,738,745,751],{},[596,739,740,744],{},[741,742,743],"strong",{},"Choose API"," when mandates are created one at a time as customers sign up, and you want immediate confirmation that the registration succeeded before proceeding.",[596,746,747,750],{},[741,748,749],{},"Choose host-to-host"," when you run scheduled bulk cycles against a large existing book and per-mandate latency does not matter.",[596,752,753,756],{},[741,754,755],{},"Combine both"," where it fits: many collectors register new mandates via API during onboarding and run monthly collections via files.",[578,758,759,760,763],{},"Whichever channel you choose, the lifecycle rules are identical — the same statuses (registered, amended, suspended, cancelled, rejected) come back, just packaged as API responses or file records. See ",[726,761,762],{"href":413},"The Registered Mandate Lifecycle Explained",".",[585,765,767],{"id":766},"do-you-need-to-build-the-bank-integration-yourself","Do you need to build the bank integration yourself?",[578,769,770,771,774],{},"Not necessarily. Integrating directly with a bank's RM API or H2H specification means handling ISO 20022 message structures, bank onboarding, security requirements and per-bank differences yourself. A payment provider abstracts this away: Kwik offers registered mandate collections through a single integration, handling the bank messaging, response processing and reconciliation on your behalf — the same way it does for DebiCheck, where an equivalent choice exists (see ",[726,772,773],{"href":339},"DebiCheck: API vs Host-to-Host",").",[578,776,777],{},"That lets you work with one modern API regardless of which underlying channel and sponsoring bank carries the messages.",[585,779,781],{"id":780},"related-topics","Related topics",[593,783,784,789,793,797],{},[596,785,786],{},[726,787,788],{"href":387},"Registered Mandates hub",[596,790,791],{},[726,792,762],{"href":413},[596,794,795],{},[726,796,104],{"href":105},[596,798,799],{},[726,800,801],{"href":109},"API Authentication and Signatures",{"title":803,"searchDepth":804,"depth":805,"links":806},"",1,2,[807,808,809,810,811,812],{"id":587,"depth":805,"text":588},{"id":610,"depth":805,"text":611},{"id":631,"depth":805,"text":632},{"id":731,"depth":805,"text":732},{"id":766,"depth":805,"text":767},{"id":780,"depth":805,"text":781},"Compare API and host-to-host file integrations for the Registered Mandate Service, including message flows, response handling and volume considerations.","md",null,{},{"title":338},{"title":573,"description":813},{"loc":424},"yaO-Pwvp3nxzCCZkrs1Xm4FPxGLGtBnPsGTQDSVKLF0",[822,824],{"title":420,"path":421,"stem":422,"description":823,"children":-1},"Why registered mandate collections are returned unpaid, how the dispute rules differ from ordinary EFT debit orders, and how registration protects you.",{"title":427,"path":428,"stem":429,"description":825,"icon":432,"children":-1},"How EFT credits, real-time clearing, PayShap and RTGS payments work, plus payouts, bulk payments, account verification, proof of payment and failed transfers.",1785156480353]