DebiCheck

DebiCheck is a debit order authentication system. It allows customers to electronically confirm new debit order agreements when signing up for new contracts or accounts with merchants. It is a combined initiative by South Africa’s banks and the Payments Association of South Africa (PASA), following a request by the SA Reserve Bank (SARB) to address problems facing debit order agreement, such as consumer fraud.

The Purpose of DebiCheck

The purpose of DebiCheck is to allow customers to authenticate the specifications of new debit orders with their banks before merchants are allowed to debit their bank accounts. It works on a once-off confirmation basis, at the beginning of a new contract.

The system is adopted by merchants to prevent the processing of fraudulent debit orders, increase collection success rates from their customers and avoid payment disputes or reversals.

How it works

As a new customer is acquired and ready to sign up with a merchant, a debit order mandate confirmation request message is sent to the customer via a mobile USSD prompt, their banking app, an ATM message, or Point-of-Sale (POS) prompt.

Real-time authentication, called TT1, that means within 2 minutes or by 22h00 on the same day response is required. A batch authentication, called TT2, means that the customer has 2 days to respond to the request. Card & pin authentication, or TT3, means that a response has to be submitted through Point-of-Sale (POS) terminal in the branch. These are the options available to complete the debit order authentication process and onboard the new customer.

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