# Kwik

> Kwik user interface help documentation.

## Developer API Documentation

- [Kwik Developer API Documentation](https://docs.kwik.co.za/llms.txt): The complete Kwik developer API documentation in a single document.

## Help Documentation

- [Kwik Help Documentation](https://help.kwik.co.za/llms.txt): The complete Kwik user interface help documentation in a single document.

## Website Pages

Kwik Payments product, pricing, company and legal pages.

- [Kwik Payments - Card Payment and Debit Order Solutions](https://docs.switchtransact.com): Streamline operations, cut costs, and boost revenue with Kwik's payment platform.
- [Online Checkout & Payment Gateway](https://docs.switchtransact.com/online-checkout): Accept online payments with a hosted or embedded checkout built to convert. Cards, Apple Pay, Google Pay, Zapper, SnapScan, 1Voucher, crypto and Pay by Bank — with subscriptions, refunds and a customer portal built in.
- [Payment Links & Prebuilt Checkout Pages](https://docs.switchtransact.com/payment-links): Sell products, get invoices paid, and receive donations with shareable payment links. Send a secure, prebuilt checkout page via email, SMS, or WhatsApp — no website or code required.
- [In-Person Card Payments & POS](https://docs.switchtransact.com/in-person-card-payment-pos): Accept in-person card payments with Kwik POS. Tap, chip, and PIN transactions, invoice payments, DebiCheck TT3 mandate registration, and outstanding fee collection — all reconciled with your online payments in one dashboard.
- [Card Vault & Tokenisation](https://docs.switchtransact.com/card-vault): Securely store customer cards with PCI-compliant tokenisation and 3D Secure verification. Charge stored cards on demand, place pre-auth holds, and recover failed payments with automatic card cascade.
- [Omni-channel Payments](https://docs.switchtransact.com/omni-channel-payments): Boost conversions with payment methods tailored for every channel — online, in-app, or in-person. Debit orders, DebiCheck, EFT, payouts, account verification and more.
- [Debit Order Collections](https://docs.switchtransact.com/debit-order-collections): Automate, authenticate, and manage Debit Order mandates at scale with a compliant, secure, and integrated platform.
- [DebiCheck Collections](https://docs.switchtransact.com/debicheck-collections): Automate, authenticate, and manage DebiCheck mandates at scale with a compliant, secure, and integrated platform.
- [DebiCheck and Debit Order Electronic Mandates](https://docs.switchtransact.com/debicheck-and-debit-order-electronic-mandates): Fully customisable electronic mandates for Debit Orders and DebiCheck that works on any platform.
- [Strike Date Optimisation](https://docs.switchtransact.com/strike-date-optimisation-sdo): Increase debit order collection success rates with Strike Date Optimisation — intelligent scheduling that times collections for when funds are most likely to be available.
- [Payouts: Salary, Staff, Customer, Supplier, Refunds](https://docs.switchtransact.com/payouts-salary-staff-customer-supplier-refunds): Do automated, manual, recurring or once-off instant payouts through our platform or API.
- [Bank Account Verification Service (AVS/AVS-R)](https://docs.switchtransact.com/bank-account-verification-service-avs-avsr): Verify bank details in real-time through account verification services.
- [Pricing](https://docs.switchtransact.com/pricing): Transparent pricing for card payments, debit orders and DebiCheck collections. Only pay when you get paid.
- [About Us](https://docs.switchtransact.com/about-us): Kwik Payments is upgrading and modernising payment systems for Africa — making payments faster, smarter, and more accessible for startups, enterprises, and financial institutions.
- [Contact Us](https://docs.switchtransact.com/contact-us): Get in touch and let us know how we can help. Fill out the form and someone will be in touch as soon as possible.
- [Contact Sales](https://docs.switchtransact.com/contact-sales): Get in touch and let us know how we can help. Fill out the form and someone from sales will be in touch as soon as possible.
- [Terms and Conditions](https://docs.switchtransact.com/terms-and-conditions): Read the terms and conditions governing the use of Kwik Payments' services and platform.
- [Privacy Policy](https://docs.switchtransact.com/privacy-policy): Learn how Kwik Payments collects, uses, and protects your personal information in compliance with POPIA.
- [Cookie Policy](https://docs.switchtransact.com/cookie-policy): Learn how Kwik Payments uses cookies and similar technologies on our website and platform.
- [Return and Refund Policy](https://docs.switchtransact.com/return-and-refund-policy): Understand how returns and refunds are handled for payments processed through Kwik Payments.
- [Access to Information Manual (POPIA)](https://docs.switchtransact.com/access-to-information-manual): Kwik Payments' Access to Information Manual, prepared in accordance with PAIA and POPIA.

## Help Documentation

Kwik user interface help documentation.

- [Payments Knowledge Centre](https://docs.switchtransact.com/raw/faq.md): Clear answers to common and technical questions about South African payments, including debit orders, DebiCheck, card payments, EFT, PayShap and more.
- [What Is a Payment?](https://docs.switchtransact.com/raw/faq/how-payments-work/what-is-a-payment.md): Learn what a payment is, the difference between push and pull payments, and how money moves between payers, businesses and banks in South Africa.
- [What Is the Payment Lifecycle?](https://docs.switchtransact.com/raw/faq/how-payments-work/payment-lifecycle.md): Follow a payment from initiation to final settlement, including the stages, statuses and timeframes that apply to cards, debit orders, EFT and PayShap.
- [Authentication, Authorisation, Clearing and Settlement Explained](https://docs.switchtransact.com/raw/faq/how-payments-work/authentication-authorisation-clearing-settlement.md): Understand the four core stages of a payment, what happens at each stage, and why a successful authorisation does not always mean you have been paid.
- [Who Are the Participants in a Payment?](https://docs.switchtransact.com/raw/faq/how-payments-work/payment-participants.md): Meet the parties involved in every payment, including payers, merchants, issuing banks, acquiring banks, payment providers, PASA and BankservAfrica.
- [Payment Methods, Rails and Channels Explained](https://docs.switchtransact.com/raw/faq/how-payments-work/methods-rails-and-channels.md): Learn the difference between a payment method, the rail it runs on and the channel it is accepted through, with South African examples for each.
- [Payment Statuses and References Explained](https://docs.switchtransact.com/raw/faq/how-payments-work/payment-statuses-and-references.md): Understand common payment statuses like pending, authorised, settled and failed, and how payment references help you track and reconcile transactions.
- [What Are Payment Cut-Off Times and Value Dates?](https://docs.switchtransact.com/raw/faq/how-payments-work/cut-off-times-and-value-dates.md): Learn how bank cut-off times, banking days, non-banking days and value dates determine when a payment is processed and when funds actually reflect.
- [Payment Fees and Interchange Explained](https://docs.switchtransact.com/raw/faq/how-payments-work/payment-fees-and-interchange.md): Understand the fees behind every transaction, including interchange, acquiring fees, processing fees and how pricing models like blended rates work.
- [What Is the South African National Payment System?](https://docs.switchtransact.com/raw/faq/how-payments-work/south-african-national-payment-system.md): An overview of the national payment system, the role of the SARB, PASA and BankservAfrica, and the clearing streams that move money in South Africa.
- [How Payments Work](https://docs.switchtransact.com/raw/faq/how-payments-work.md): Understand the fundamentals of payments, from the payment lifecycle and participants to clearing, settlement, cut-off times, fees and the South African national payment system.
- [Clearing, Settlement and Reconciliation Explained](https://docs.switchtransact.com/raw/faq/payment-operations/clearing-settlement-and-reconciliation.md): How cleared transactions become settled funds, why settlement timing differs by payment method, and how reconciliation ties it all back to your books.
- [Sandbox, UAT and Production Environments Explained](https://docs.switchtransact.com/raw/faq/payment-operations/sandbox-uat-and-production.md): The difference between sandbox, UAT and production payment environments, what each is for, and how to plan testing and go-live safely.
- [How Do Payment Error and Reason Codes Work?](https://docs.switchtransact.com/raw/faq/payment-operations/error-and-reason-codes.md): How error and reason codes are returned across cards, debit orders and EFT, and how to map bank codes into statuses your team can act on.
- [Logging, Data Masking and Audit Trails for Payments](https://docs.switchtransact.com/raw/faq/payment-operations/logging-masking-and-audit-trails.md): What to log for every payment, how to mask card numbers and bank details in logs, and how audit trails support disputes and compliance reviews.
- [How Does API Versioning and Change Management Work?](https://docs.switchtransact.com/raw/faq/payment-operations/api-versioning-and-change-management.md): How payment providers version their APIs and file specifications, what breaking changes look like, and how to manage upgrades without downtime.
- [How Does Merchant Settlement Work and What Are Reserves?](https://docs.switchtransact.com/raw/faq/payment-operations/merchant-settlement-and-reserves.md): When merchants receive settled funds, how settlement batching and fees work, and why providers hold rolling reserves against refunds and chargebacks.
- [Why Are Payment Statuses Asynchronous?](https://docs.switchtransact.com/raw/faq/payment-operations/asynchronous-payment-statuses.md): Why many payments confirm later rather than instantly, how pending and interim statuses work, and how to design systems that handle delayed outcomes.
- [What Are Payment Webhooks and Callbacks?](https://docs.switchtransact.com/raw/faq/payment-operations/webhooks-and-callbacks.md): How webhooks and callback APIs deliver payment status updates to your system, how to verify and acknowledge them, and how to handle missed events.
- [What Is Idempotency and How Do You Prevent Duplicate Payments?](https://docs.switchtransact.com/raw/faq/payment-operations/idempotency-and-duplicates.md): How idempotency keys, unique references and deduplication rules prevent double charges and duplicate collections when requests are retried.
- [How Do You Handle Payment Retries and Stuck Payments?](https://docs.switchtransact.com/raw/faq/payment-operations/retries-and-stuck-payments.md): Safe retry strategies for failed payments, how to investigate payments stuck in pending, and when to query the provider instead of retrying.
- [Which Payment Integration Model Should You Choose?](https://docs.switchtransact.com/raw/faq/payment-operations/payment-integration-models.md): Compare payment integration models, from no-code links and plugins to hosted checkouts, APIs and host-to-host files, and match one to your team.
- [Batch Files vs APIs: Which Integration Is Right for You?](https://docs.switchtransact.com/raw/faq/payment-operations/batch-files-vs-apis.md): Compare batch file submissions with real-time APIs for collections and payouts, including file cut-offs, response files, callbacks and error handling.
- [How Do API Authentication and Request Signatures Work?](https://docs.switchtransact.com/raw/faq/payment-operations/api-authentication-and-signatures.md): How API keys, OAuth tokens, mutual TLS and request signatures authenticate payment API calls and protect webhooks from tampering and replay.
- [Payment Operations and Integrations](https://docs.switchtransact.com/raw/faq/payment-operations.md): The operational and technical side of payments: settlement, reconciliation, webhooks, idempotency, batch files vs APIs, environments and error codes.
- [How Do QR Code Payments Work?](https://docs.switchtransact.com/raw/faq/other-payment-methods/qr-code-payments.md): How QR code payments like SnapScan and Zapper work, the difference between static and dynamic QR codes, and what merchants need to accept them.
- [What Is QR Plus?](https://docs.switchtransact.com/raw/faq/other-payment-methods/qr-plus.md): How interoperable QR Plus payments let customers scan one merchant QR code with any participating banking or wallet app in South Africa.
- [What Is Instant EFT and Open Banking?](https://docs.switchtransact.com/raw/faq/other-payment-methods/instant-eft-and-open-banking.md): How instant EFT and open banking pay-by-bank services let customers pay directly from their bank account at checkout, and how the two approaches differ.
- [How Does Buy Now, Pay Later Work?](https://docs.switchtransact.com/raw/faq/other-payment-methods/buy-now-pay-later.md): How buy now, pay later splits purchases into interest-free instalments, who carries the credit risk, and what BNPL costs merchants in South Africa.
- [How Do Voucher and Cash Payments Work Online?](https://docs.switchtransact.com/raw/faq/other-payment-methods/voucher-and-cash-payments.md): How prepaid vouchers like 1Voucher and cash-at-till services let customers without cards pay for online purchases at retail stores.
- [What Is Mobile Money and How Does It Work?](https://docs.switchtransact.com/raw/faq/other-payment-methods/mobile-money.md): How mobile money wallets store value against a phone number, why they dominate payments across Africa, and how businesses can accept them.
- [Can You Accept Cryptocurrency and Stablecoin Payments?](https://docs.switchtransact.com/raw/faq/other-payment-methods/cryptocurrency-and-stablecoin-payments.md): How cryptocurrency and stablecoin payments work, the settlement and volatility trade-offs, and the regulatory position for South African businesses.
- [Other Payment Methods](https://docs.switchtransact.com/raw/faq/other-payment-methods.md): Alternative payment methods explained, including QR code payments, instant EFT, open banking, buy now pay later, vouchers, mobile money and crypto.
- [Payments Glossary: Key Terms Explained](https://docs.switchtransact.com/raw/faq/reference/glossary.md): An A to Z glossary of payment terms used in South Africa, from acquiring and action dates to mandates, settlement, tracking and value dates.
- [Payment Acronyms and Abbreviations Explained](https://docs.switchtransact.com/raw/faq/reference/acronyms.md): 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.
- [Payment Status Directory](https://docs.switchtransact.com/raw/faq/reference/payment-status-directory.md): A directory of payment statuses across cards, debit orders, DebiCheck, registered mandates and bank transfers, with what each status means and what to do.
- [Payment Reason Code Directory](https://docs.switchtransact.com/raw/faq/reference/reason-code-directory.md): A directory of common bank reason and response codes for debit order unpaids, DebiCheck declines, card declines and returned bank transfers.
- [Who Does What in the Payments Industry?](https://docs.switchtransact.com/raw/faq/reference/payment-industry-roles.md): The roles that make payments work, including issuers, acquirers, sponsors, system operators, TPPPs, PSPs, switches and clearing houses.
- [Payment Regulators and Industry Organisations in South Africa](https://docs.switchtransact.com/raw/faq/reference/regulators-and-industry-organisations.md): The organisations that govern South African payments, including the SARB, PASA, BankservAfrica, the Payments Ombud and international card schemes.
- [South African Payments Change Log](https://docs.switchtransact.com/raw/faq/reference/payments-change-log.md): A running log of notable changes in South African payments, from the DebiCheck rollout and NAEDO sunset to PayShap launches and rule updates.
- [Payment Reference Centre](https://docs.switchtransact.com/raw/faq/reference.md): Quick-reference material for payments, including a glossary, acronym list, payment status and reason code directories, industry roles and regulators.
- [How Do I Accept Payments Online in South Africa?](https://docs.switchtransact.com/raw/faq/accepting-payments/accept-payments-online.md): A practical guide to accepting online payments in South Africa, covering cards, instant EFT, PayShap, payment links and what you need to get started.
- [How Do I Accept In-Person Payments?](https://docs.switchtransact.com/raw/faq/accepting-payments/accept-in-person-payments.md): Learn how to accept in-person payments with card machines, SoftPOS on a smartphone, QR codes and contactless, and what each option costs a business.
- [What Is a Merchant Account and Merchant ID?](https://docs.switchtransact.com/raw/faq/accepting-payments/merchant-account-and-merchant-id.md): Understand what a merchant account and merchant ID (MID) are, how they differ from a business bank account, and how to get one in South Africa.
- [Gateway vs Processor vs Switch vs Acquirer: What Is the Difference?](https://docs.switchtransact.com/raw/faq/accepting-payments/gateway-processor-switch-acquirer.md): Untangle the roles of payment gateways, processors, switches and acquiring banks, and see how each one fits into a single card transaction.
- [Hosted, Embedded and API Checkout: Which Should You Use?](https://docs.switchtransact.com/raw/faq/accepting-payments/hosted-embedded-api-checkout.md): Compare hosted payment pages, embedded checkout components and direct API integrations, including the security, PCI and development trade-offs of each.
- [What Are Payment Links and How Do They Work?](https://docs.switchtransact.com/raw/faq/accepting-payments/payment-links.md): Learn how payment links let you get paid without a website by sharing a secure checkout URL via WhatsApp, email, SMS or invoice.
- [Which Payment Methods Should Your Business Offer?](https://docs.switchtransact.com/raw/faq/accepting-payments/choose-payment-methods.md): How to choose the right payment methods for your business by weighing customer preference, cost, settlement speed, risk and recurring billing needs.
- [Accepting Payments](https://docs.switchtransact.com/raw/faq/accepting-payments.md): Everything a business needs to start accepting payments online and in person, from merchant accounts and gateways to payment links and choosing methods.
- [How Do Card Payments Work?](https://docs.switchtransact.com/raw/faq/card-payments/how-card-payments-work.md): A step-by-step explanation of how a card payment works, from the cardholder and merchant through the acquirer, card network and issuing bank.
- [What Are Digital Wallets and How Do They Work?](https://docs.switchtransact.com/raw/faq/card-payments/digital-wallets.md): How digital wallets like Apple Pay, Google Pay and Samsung Pay work, the role of device tokenisation, and what merchants need to accept them.
- [Recurring Card Payments: What Are CIT and MIT?](https://docs.switchtransact.com/raw/faq/card-payments/recurring-card-payments-cit-mit.md): Learn how recurring card payments work, the difference between customer-initiated (CIT) and merchant-initiated (MIT) transactions, and mandate rules.
- [Card Refunds, Reversals and Voids Explained](https://docs.switchtransact.com/raw/faq/card-payments/card-refunds-reversals-and-voids.md): The difference between a refund, a reversal and a void on card payments, how long each takes to reflect, and what they cost the merchant.
- [Debit, Credit and Prepaid Cards: What Is the Difference?](https://docs.switchtransact.com/raw/faq/card-payments/debit-credit-prepaid-cards.md): Compare debit, credit and prepaid cards, how each is funded and authorised, and what the differences mean for merchants accepting card payments.
- [Card-Present vs Card-Not-Present Transactions](https://docs.switchtransact.com/raw/faq/card-payments/card-present-vs-card-not-present.md): Learn the difference between card-present and card-not-present transactions and how it affects fraud risk, chargeback liability and processing fees.
- [What Happens During an Online Card Payment?](https://docs.switchtransact.com/raw/faq/card-payments/online-card-payment-flow.md): Follow an online card payment from checkout to settlement, including tokenisation, 3D Secure authentication, authorisation, capture and clearing.
- [Chip, Contactless and SoftPOS Payments Explained](https://docs.switchtransact.com/raw/faq/card-payments/chip-contactless-and-softpos.md): Understand EMV chip-and-PIN, contactless tap-to-pay and SoftPOS technology that turns a smartphone into a card machine, and how each keeps cards secure.
- [Authorisation, Capture and Pre-Authorisation Explained](https://docs.switchtransact.com/raw/faq/card-payments/authorisation-capture-and-preauthorisation.md): Learn the difference between authorising and capturing a card payment, how pre-authorisation holds work, and when reserved funds are released.
- [Why Do Card Payments Get Declined?](https://docs.switchtransact.com/raw/faq/card-payments/card-declines-and-response-codes.md): The most common card decline reasons and response codes, what soft and hard declines mean, and how merchants should handle each type of failure.
- [What Is 3D Secure and How Does It Work?](https://docs.switchtransact.com/raw/faq/card-payments/3d-secure.md): Learn how 3D Secure (Verified by Visa, Mastercard Identity Check) authenticates online card payments, shifts fraud liability and reduces chargebacks.
- [What Is Card Tokenisation and What Are Network Tokens?](https://docs.switchtransact.com/raw/faq/card-payments/card-tokenisation-and-network-tokens.md): Understand how card tokenisation replaces card numbers with secure tokens, how network tokens differ from gateway tokens, and why they improve approval rates.
- [Card Payments](https://docs.switchtransact.com/raw/faq/card-payments.md): How card payments work end to end, including authorisation and capture, 3D Secure, tokenisation, digital wallets, recurring payments, declines and refunds.
- [What Is a Debit Order and How Does It Work?](https://docs.switchtransact.com/raw/faq/debit-orders/what-is-a-debit-order.md): Debit orders explained: how a business collects money directly from a customer's bank account with their permission, and the types available in South Africa.
- [Minimum Mandate Requirements](https://docs.switchtransact.com/raw/faq/debit-orders/minimum-mandate-requirements.md): Understand the minimum information required for an electronic debit order mandate.
- [What Is the Difference Between a Debit Order and a Stop Order?](https://docs.switchtransact.com/raw/faq/debit-orders/debit-order-vs-stop-order.md): Debit orders are collected by the service provider from your account, while stop orders are payments your bank sends on your instruction. Learn the difference.
- [What Is an EFT Debit Order?](https://docs.switchtransact.com/raw/faq/debit-orders/eft-debit-orders.md): How EFT debit orders work, when to use them instead of DebiCheck, how batch submission and action dates work, and the risks of unauthenticated collections.
- [What Is a Debit Order Mandate?](https://docs.switchtransact.com/raw/faq/debit-orders/debit-order-mandates.md): Understand what a debit order mandate is, why it is legally required before collecting, and what happens if you collect without a valid mandate.
- [What Types of Debit Order Mandates Are There?](https://docs.switchtransact.com/raw/faq/debit-orders/types-of-debit-order-mandates.md): Compare paper, voice, electronic, DebiCheck and registered mandates, and learn which mandate type is right for your collections and dispute risk.
- [Debit Order Action Dates and Processing Cycles Explained](https://docs.switchtransact.com/raw/faq/debit-orders/action-dates-and-processing-cycles.md): How debit order action dates, submission cut-offs, banking and non-banking days and date adjustment rules determine when your collections run.
- [What Is Account Validation and CDV Checking?](https://docs.switchtransact.com/raw/faq/debit-orders/account-validation-and-cdv.md): Learn how check digit verification (CDV) and account verification services validate bank account details before you submit debit order collections.
- [Why Do Debit Orders Get Returned Unpaid?](https://docs.switchtransact.com/raw/faq/debit-orders/unpaids-returns-and-resubmissions.md): Common EFT debit order unpaid and return reason codes, including insufficient funds, closed accounts and stopped payments, and when you may resubmit.
- [How Do Debit Order Disputes and Stop Payments Work?](https://docs.switchtransact.com/raw/faq/debit-orders/debit-order-disputes-and-stop-payments.md): What happens when a customer disputes a debit order or places a stop payment, the dispute timeframes that apply, and how mandates protect the collector.
- [What Happened to NAEDO and AEDO Debit Orders?](https://docs.switchtransact.com/raw/faq/debit-orders/migrated-naedo-and-aedo-mandates.md): How NAEDO and AEDO debit orders were replaced by DebiCheck and registered mandates, and what migrated mandates mean for existing collections.
- [Debit Orders](https://docs.switchtransact.com/raw/faq/debit-orders.md): How debit orders work in South Africa, including EFT debit orders, mandates, action dates, CDV account validation, unpaids, disputes and NAEDO migration.
- [What Is DebiCheck and How Does It Work?](https://docs.switchtransact.com/raw/faq/debicheck/how-debicheck-works.md): Learn what DebiCheck is, how bank-authenticated debit order mandates work in South Africa, and why banks introduced DebiCheck to reduce disputes.
- [DebiCheck Troubleshooting: Common Problems and Fixes](https://docs.switchtransact.com/raw/faq/debicheck/troubleshooting.md): Fixes for common DebiCheck issues, including expired authentication requests, rejected mandates, failed amendments and collections that keep declining.
- [DebiCheck API vs Host-to-Host: Which Integration Should You Use?](https://docs.switchtransact.com/raw/faq/debicheck/api-vs-host-to-host.md): Compare real-time DebiCheck API integrations with batch host-to-host file submissions, including message flows, callbacks and which suits your volumes.
- [Is DebiCheck Safe to Use?](https://docs.switchtransact.com/raw/faq/debicheck/is-debicheck-safe.md): DebiCheck was designed by South African banks to industry security standards. Learn how mandate approval works safely and how to spot phishing attempts.
- [Which Banks Support DebiCheck?](https://docs.switchtransact.com/raw/faq/debicheck/participating-banks.md): Most major South African banks participate in DebiCheck, including Absa, Capitec, FNB, Nedbank and Standard Bank. See how participation affects mandates.
- [What Are the Benefits of DebiCheck for Business?](https://docs.switchtransact.com/raw/faq/debicheck/debicheck-for-business.md): DebiCheck gives businesses collection certainty, early processing priority, tracking, dispute protection and suspension notifications. See how to participate.
- [DebiCheck Mandates vs Collections: What Is the Difference?](https://docs.switchtransact.com/raw/faq/debicheck/mandates-vs-collections.md): Understand the two halves of DebiCheck: the authenticated mandate that grants permission, and the collection instructions that debit the account.
- [What Are DebiCheck Transaction Types TT1, TT2 and TT3?](https://docs.switchtransact.com/raw/faq/debicheck/transaction-types-tt1-tt2-tt3.md): Compare DebiCheck TT1 real-time, TT2 delayed and TT3 card-and-PIN authentication, including timeouts, use cases and when each transaction type applies.
- [How Do Customers Authenticate a DebiCheck Mandate?](https://docs.switchtransact.com/raw/faq/debicheck/mandate-authentication.md): How payers approve DebiCheck mandates via banking apps, USSD, ATMs and card-and-PIN devices, and what happens when authentication is rejected or expires.
- [The DebiCheck Mandate Lifecycle Explained](https://docs.switchtransact.com/raw/faq/debicheck/mandate-lifecycle.md): Follow a DebiCheck mandate from initiation and authentication through amendments, suspensions and cancellation, with the statuses used at each stage.
- [DebiCheck Statuses and Reason Codes Explained](https://docs.switchtransact.com/raw/faq/debicheck/statuses-and-reason-codes.md): A guide to DebiCheck mandate and collection statuses and the reason codes banks return, including common decline reasons and what to do about them.
- [DebiCheck Amounts, Frequencies and Adjustments Explained](https://docs.switchtransact.com/raw/faq/debicheck/amounts-frequencies-and-adjustments.md): How instalment, maximum collection and first collection amounts work in DebiCheck, plus allowed frequencies, adjustment categories and rate changes.
- [How Do DebiCheck Collections, Tracking and Retries Work?](https://docs.switchtransact.com/raw/faq/debicheck/collections-tracking-and-retries.md): How DebiCheck collections are submitted and processed, how tracking re-presents a collection when funds become available, and the rules for retries.
- [Why Do DebiCheck Collections Get Returned or Disputed?](https://docs.switchtransact.com/raw/faq/debicheck/unpaids-returns-and-disputes.md): Common DebiCheck decline and unpaid reasons, how disputes work on authenticated mandates, and why DebiCheck collections are harder to reverse.
- [DebiCheck](https://docs.switchtransact.com/raw/faq/debicheck.md): Everything about DebiCheck: bank-authenticated debit order mandates, TT1, TT2 and TT3 transaction types, collections, tracking, reason codes and disputes.
- [What Is a Registered Mandate?](https://docs.switchtransact.com/raw/faq/registered-mandates/what-is-a-registered-mandate.md): Learn what a registered mandate is, how registering debit order mandates with the payer's bank reduces disputes, and how it differs from DebiCheck.
- [RM vs RMS: What Is the Difference?](https://docs.switchtransact.com/raw/faq/registered-mandates/rm-vs-rms.md): Clarify the difference between a registered mandate (RM) and the Registered Mandate Service (RMS), and how the service fits into debit order collections.
- [Registered Mandates vs DebiCheck vs EFT Debit Orders](https://docs.switchtransact.com/raw/faq/registered-mandates/rm-vs-debicheck-vs-eft.md): Compare registered mandates, DebiCheck and plain EFT debit orders on authentication, dispute protection, cost and use cases to pick the right collection type.
- [How Are Registered Mandates Registered and Payers Notified?](https://docs.switchtransact.com/raw/faq/registered-mandates/registration-and-payer-notification.md): How mandate registration works with the payer's bank, how and when payers are notified of a registered mandate, and what happens if the payer objects.
- [Registered Mandates for Juristic and Multi-Signatory Accounts](https://docs.switchtransact.com/raw/faq/registered-mandates/juristic-and-multisignatory-accounts.md): How registered mandates handle business, juristic and multi-signatory bank accounts that DebiCheck cannot authenticate in real time.
- [The Registered Mandate Lifecycle Explained](https://docs.switchtransact.com/raw/faq/registered-mandates/mandate-lifecycle.md): Follow a registered mandate from initial registration through amendments, suspensions and cancellation, including the statuses returned at each step.
- [Registered Mandate Collections, Tracking and Settlement](https://docs.switchtransact.com/raw/faq/registered-mandates/collections-tracking-and-settlement.md): How collections against registered mandates are submitted, how tracking re-presents unpaid collections, and when settled funds reflect in your account.
- [Registered Mandate Returns and Disputes Explained](https://docs.switchtransact.com/raw/faq/registered-mandates/returns-and-disputes.md): Why registered mandate collections are returned unpaid, how the dispute rules differ from ordinary EFT debit orders, and how registration protects you.
- [Registered Mandates: API vs Host-to-Host Integration](https://docs.switchtransact.com/raw/faq/registered-mandates/api-vs-host-to-host.md): Compare API and host-to-host file integrations for the Registered Mandate Service, including message flows, response handling and volume considerations.
- [Registered Mandates](https://docs.switchtransact.com/raw/faq/registered-mandates.md): How the Registered Mandate Service (RM and RMS) works, including registration, payer notification, juristic accounts, collections, tracking and disputes.
- [What Is an EFT Credit Payment?](https://docs.switchtransact.com/raw/faq/bank-transfers/eft-credit-payments.md): How EFT credit payments work in South Africa, how long they take to clear, and why an ordinary EFT can take one to two banking days to reflect.
- [Proof of Payment and Reconciliation Explained](https://docs.switchtransact.com/raw/faq/bank-transfers/proof-of-payment-and-reconciliation.md): Why proof of payment does not guarantee cleared funds, how POP fraud works, and how references and statement feeds make reconciliation reliable.
- [Why Do Bank Transfers Fail or Get Returned?](https://docs.switchtransact.com/raw/faq/bank-transfers/failed-and-returned-transfers.md): Common reasons bank transfers fail or are returned, including invalid accounts, closed accounts and recalls, and how returned funds find their way back.
- [How Do Cross-Border Payments and SWIFT Work?](https://docs.switchtransact.com/raw/faq/bank-transfers/cross-border-payments-and-swift.md): How international payments move via SWIFT and correspondent banks, what they cost, how long they take, and the exchange control rules for South Africa.
- [EFT vs RTC vs PayShap vs RTGS: What Is the Difference?](https://docs.switchtransact.com/raw/faq/bank-transfers/eft-vs-rtc-vs-payshap-vs-rtgs.md): Compare South Africa's payment rails on speed, cost, limits and availability so you know when to use EFT, real-time clearing, PayShap or RTGS.
- [What Happens When You Make a Bank Transfer?](https://docs.switchtransact.com/raw/faq/bank-transfers/bank-transfer-lifecycle.md): Follow a bank transfer from capture and validation through clearing at BankservAfrica to settlement and the moment funds reflect in the beneficiary account.
- [What Is Real-Time Clearing (RTC)?](https://docs.switchtransact.com/raw/faq/bank-transfers/real-time-clearing.md): How real-time clearing moves money between South African banks in seconds, what it costs, its limits, and how it differs from PayShap and ordinary EFT.
- [What Is PayShap and How Does It Work?](https://docs.switchtransact.com/raw/faq/bank-transfers/payshap.md): Learn how PayShap, South Africa's instant payment service, moves money in seconds using bank accounts or ShapIDs, and what it means for businesses.
- [What Are ShapIDs and Request to Pay?](https://docs.switchtransact.com/raw/faq/bank-transfers/shapids-and-request-to-pay.md): How ShapID proxies like cellphone numbers replace bank account details, and how PayShap Request to Pay lets businesses request instant payments.
- [What Makes a Payment Final and Irrevocable?](https://docs.switchtransact.com/raw/faq/bank-transfers/final-and-irrevocable-payments.md): Understand when a payment becomes final and irrevocable, why instant payments cannot be recalled, and how this differs from reversible debit orders.
- [How Do Payouts and Bulk Payments Work?](https://docs.switchtransact.com/raw/faq/bank-transfers/payouts-and-bulk-payments.md): How businesses pay salaries, suppliers, refunds and customer withdrawals using bulk payment files or payout APIs, and how batches are validated and settled.
- [What Is Beneficiary and Bank Account Verification?](https://docs.switchtransact.com/raw/faq/bank-transfers/beneficiary-and-account-verification.md): How account verification services (AVS and AVS-R) confirm that a bank account exists and belongs to the right person before you pay or debit it.
- [Bank Transfers, Payouts and PayShap](https://docs.switchtransact.com/raw/faq/bank-transfers.md): How EFT credits, real-time clearing, PayShap and RTGS payments work, plus payouts, bulk payments, account verification, proof of payment and failed transfers.
- [How Do Invoice Payments Work?](https://docs.switchtransact.com/raw/faq/billing/invoice-payments.md): How businesses collect invoice payments using EFT, payment links, cards and debit orders, and how to match payments to invoices automatically.
- [How Do Subscription Payments Work?](https://docs.switchtransact.com/raw/faq/billing/subscription-payments.md): How subscription billing works, from sign-up and mandate or card capture to recurring collections, failed payment handling and cancellations.
- [How Do Recurring Card Payments Work?](https://docs.switchtransact.com/raw/faq/billing/recurring-card-payments.md): How card-on-file billing works for subscriptions, including tokenised card storage, merchant-initiated transactions and rules for retrying declines.
- [Instalment and Usage-Based Billing Explained](https://docs.switchtransact.com/raw/faq/billing/instalment-and-usage-based-billing.md): How instalment plans and usage-based billing work, how variable amounts interact with debit order and DebiCheck mandates, and how to notify customers.
- [What Is Dunning and How Does Payment Recovery Work?](https://docs.switchtransact.com/raw/faq/billing/dunning-and-payment-recovery.md): How dunning recovers failed subscription payments using smart retries, reminders and grace periods, and how to reduce involuntary churn.
- [How Do Subscription Plan Changes and Proration Work?](https://docs.switchtransact.com/raw/faq/billing/subscription-plan-changes.md): What happens to billing when a customer upgrades, downgrades, pauses or cancels a subscription, and how proration and mandate amendments are handled.
- [What Are Backup Cards and Account Updaters?](https://docs.switchtransact.com/raw/faq/billing/backup-cards-and-account-updaters.md): How backup payment methods and card account updater services keep subscriptions active when cards expire, are reissued or are lost.
- [Billing and Recurring Payments](https://docs.switchtransact.com/raw/faq/billing.md): How invoicing, subscriptions and recurring payments work, including instalments, usage-based billing, dunning, plan changes and backup payment methods.
- [Refund vs Reversal vs Dispute vs Chargeback](https://docs.switchtransact.com/raw/faq/disputes-risk-and-compliance/refund-reversal-dispute-chargeback.md): The difference between refunds, reversals, disputes and chargebacks, who initiates each, and what each one costs the business involved.
- [What Is PCI DSS and Who Must Comply?](https://docs.switchtransact.com/raw/faq/disputes-risk-and-compliance/pci-dss.md): What the PCI DSS standard requires, which merchants and providers must comply, and how hosted checkouts and tokenisation reduce your PCI scope.
- [KYC, AML, Sanctions Screening and POPIA Explained](https://docs.switchtransact.com/raw/faq/disputes-risk-and-compliance/kyc-aml-sanctions-and-popia.md): The compliance obligations behind payments in South Africa, including FICA KYC checks, anti-money laundering rules, sanctions screening and POPIA.
- [How Should You Respond to a Payment Incident?](https://docs.switchtransact.com/raw/faq/disputes-risk-and-compliance/payment-incident-response.md): A practical incident response approach for payment problems, from duplicate collections and data breaches to fraud attacks and processor outages.
- [What Is a Card Chargeback and How Does It Work?](https://docs.switchtransact.com/raw/faq/disputes-risk-and-compliance/card-chargebacks.md): How the card chargeback process works from cardholder claim to final ruling, the common reason codes, and how merchants can reduce chargeback rates.
- [What Evidence Do You Need to Fight a Chargeback?](https://docs.switchtransact.com/raw/faq/disputes-risk-and-compliance/chargeback-evidence.md): The evidence that wins chargeback representments, including proof of delivery, 3D Secure results, customer communication and terms acceptance records.
- [How Do Debit Order Disputes Work?](https://docs.switchtransact.com/raw/faq/disputes-risk-and-compliance/debit-order-disputes.md): How customers dispute debit orders through their bank, the timeframes and mandate rules that decide the outcome, and how DebiCheck changes the picture.
- [What Are the Most Common Types of Payment Fraud?](https://docs.switchtransact.com/raw/faq/disputes-risk-and-compliance/payment-fraud.md): The main types of payment fraud affecting South African businesses, from stolen cards and friendly fraud to invoice scams and refund abuse.
- [What Is Card Testing and How Do Velocity Checks Stop It?](https://docs.switchtransact.com/raw/faq/disputes-risk-and-compliance/card-testing-and-velocity-checks.md): How fraudsters use card testing attacks to validate stolen card numbers, and how velocity checks, CAPTCHAs and risk rules protect your checkout.
- [Account Takeover and Social Engineering Fraud Explained](https://docs.switchtransact.com/raw/faq/disputes-risk-and-compliance/account-takeover-and-social-engineering.md): How account takeover, phishing and social engineering attacks lead to fraudulent payments, and the controls that protect customers and staff.
- [How Does 3D Secure Help Prevent Fraud?](https://docs.switchtransact.com/raw/faq/disputes-risk-and-compliance/3ds-and-fraud-prevention.md): How 3D Secure authentication reduces card-not-present fraud, when it shifts chargeback liability to the issuer, and its limits as a fraud control.
- [Tokenisation, Encryption and Hashing Explained](https://docs.switchtransact.com/raw/faq/disputes-risk-and-compliance/tokenisation-encryption-and-hashing.md): The difference between tokenisation, encryption and hashing, and how each technique protects card numbers, bank details and payment data.
- [Refunds, Disputes, Fraud and Compliance](https://docs.switchtransact.com/raw/faq/disputes-risk-and-compliance.md): Refunds, chargebacks, debit order disputes, payment fraud, PCI DSS Level 1, KYC, AML and POPIA explained, plus how to respond to payment incidents.