Collections class · lesson 03
What is a Registered Mandate?
The middle stream. Your agreement with the business gets registered at your bank - recorded, parameter-checked, on the books - but you never approve it there. The bank is a witness, not a signatory.
The lesson · how a Registered Mandate works
How does a Registered Mandate work?
You agree with the business.
Same as an ordinary debit order: the mandate is between you and the service provider - paper, voice or electronic.
The business registers it at your bank.
The mandate's terms are lodged in a register at your bank, and the bank notifies you that it exists. You don't approve it - that's the line between this and DebiCheck.
Collections are checked against the register.
Each collection is validated against the registered parameters. The mandate itself was never authenticated, but the bank knows what it's supposed to look like.
It collects in the evening, first in line.
Registered Mandates run in the evening window, in a randomised slot ahead of ordinary debit orders - but after DebiCheck's early-morning run.
It can grow up into a DebiCheck.
If the customer later authenticates the mandate at their bank, it upgrades - and collects as a DebiCheck from then on. (The exception: juristic and dual-signatory accounts, which stay on Registered Mandate.)
Both sides · what the middle buys you
Why choose a Registered Mandate - and what should you watch?
Why businesses choose it
Report cardWhat to watch
Counter-documentQuestion time · the ones the class actually asks
Registered Mandate FAQ.
What's the difference between a Registered Mandate and a DebiCheck?
Authentication. A DebiCheck mandate is approved by the customer at their own bank. A Registered Mandate is only registered there - the bank records the terms and validates collections against them, but the customer never approved it at the bank.
What's the difference between a Registered Mandate and an ordinary debit order?
Visibility. An ordinary debit order's mandate lives with the business alone; the bank can't see it. A Registered Mandate is on the bank's books, its parameters are checked on every collection, and it runs earlier in the evening queue.
My bank notified me about a registered mandate - did I approve something?
Not at the bank - you agreed it with the business, and your bank is letting you know it is now on record. If you don't recognise the business, query it with them first, then your bank.
Can I dispute a Registered Mandate collection?
Yes. Since 13 April 2026, disputes must be lodged within 60 calendar days, counted from the day after the debit. In PASA's words, you have the right to query any debit order collection that you believe was incorrectly debited against your account - but not all disputes will result in a reversal, and reversals are neither automatic nor guaranteed. The registered mandate serves as evidence. First approach the business that debited your account; if that doesn't resolve it, go to your bank.
What does a business need before registering one?
A mandate agreed with you - on paper, in a recorded voice call, or electronically. The business then registers it at your bank, and your bank lets you know it is on record.
Why would a business use this instead of DebiCheck?
Lower fees, zero approval friction, and reach: it covers account types DebiCheck excludes, and it's the natural fallback when a DebiCheck authentication request expires unactioned.
What happened to the old Registered Mandate Service?
It was retired: existing mandates were converted by March 2025 and the new Registered Mandate stream replaced it fully on 12 May 2025 - moving non-authenticated collections out of the early-morning window in the process.
By the Click2Pay collections team · Updated 5 October 2026 · fact-checked against PASA's debit order guide, SARB Directive 1 of 2017, bank documentation and debicheck.co.za
The curriculum · lessons 01-04