Traditional
The bank-authenticated debit order. The customer approves the mandate at their own bank once, and the bank checks every collection against it afterwards.
Resources
The collections handbook.
How South African collections actually work - the rails, the mandates, the disputes and the vocabulary. Written the way we'd explain it across a desk.
Start here
Collections 101.
One pass over the whole picture - how money actually moves between a customer's account and yours, why collections fail, and how to choose between the rails before you read about any one of them.
One rail at a time
Four ways to collect.
Each one has a different mandate, a different clock and a different dispute rule. These are the differences that decide which rail a business should be on.
Traditional
The original. The business holds the mandate rather than the bank, which is exactly why it is the easiest of the rails to dispute.
Traditional
The middle stream, introduced in May 2025. Agreed with the business and registered at the customer's own bank, which lets them know - but not DebiCheck-authenticated.
Card
Cards on repeat. The card is stored as a token rather than a number, settlement runs on a faster clock, and disputes work nothing like a debit order.
Look it up
Reference.
Glossary
Twenty-four terms - mandate, action date, tracking, unpaids, tokenisation, settlement, reconciliation - each in a sentence you can repeat to someone else.
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