DebiCheck
DebiCheck is an industrywide initiative in South Africa that lets consumers approve all new debit orders – once-off and electronically – to prevent incorrect or unauthorised debit orders from coming off the consumers account. It is designed to put consumers in control of their debit orders thereby re-establishing overall trust in the SA banking system, preventing both illegal debits by rouge merchants and cash flow management by consumers.
The development of the DebiCheck transaction has no doubt been a major development in the South African payments industry. The technological advancements have been huge; in fact, a world-first for direct debits, but the process has certainly not been without its challenges! Now that the industry is approaching production ramp-up, PAYM8 wants to ensure that you have a fuss-free implementation and on-boarding experience.
How is DebiCheck going to affect you?
Integrated Merchants
Directly integrated merchants
PAYM8 will be launching the DebiCheck transaction on our brand new intelligent payments processing platform; AXIS. Through the AXIS platform, you have the ability to seamlessly promote your existing NAEDO instructions, to DebiCheck payment instructions. Similarly so, you will be able to automatically “fall back” to the NAEDO or existing debit order channels, for as long as it is allowed, should your client for whatever reason, not authorise a DebiCheck mandate.
The AXIS Recurring Payments structure makes it easy for you to have a consolidated view of your client in terms of payment history and behaviour, and apply multiple payment channels concurrently in a single comprehensive payment arrangement with your client.
DebiCheck, debit orders and card payments become easy to facilitate with just the click of a button.
All this functionality is also available through a simple-to-implement API.
What are the timelines?
SARB accommodated industry by accepting new proposed timelines for implementation of DebiCheck:
So how are you affected?
PAYM8 was one of the first payment gateways to successfully process a DebiCheck transaction – so you’re in good hands!
We’ve develop a systematic project plan for each of our merchants to ensure that the transition to DebiCheck and AXIS is smooth and non-disruptive.
The approach is as follows:
1. Project kick-off meeting
- Our team, led by our Customer Care Manager, Carla Van Der Vywer will be in contact shortly to set up your project kick-off meeting (if the meeting has not occurred yet).
- During this meeting, all aspects affecting your organisation will be discussed, as well as indicative timelines that need to be adhered to.
- It is critical that all role-players and stakeholders involved in the collection process, attend this project kick-off meeting.
2. Integration documentation
- DebiCheck, and all the functionality of the AXIS platform is available via our API.
- A set of detailed integration documentation, including test cases and testing protocols will be supplied to you for implementation in your environment.
- Your development team can then commence with the software development process in your environment.
3. Merchant testing
- The PAYM8 AXIS test environment is typically accessible on a 24/7 basis and you can test at your leisure. However, in order to ensure dedicated availability and assistance from our side, we recommend that you schedule a formal testing slot with our team as soon as you are ready to test your application end-to-end.
4. Sign off testing in TEST
- Once you have successfully completed the set of PAYM8 Test Cases included in your Integration Documentation Pack, and any other testing specific to the processes in your environment, we will be happy to sign off the testing process in TEST with you.
- You can then deploy your software implementation into your Production environment, and set a “go-live” or launch date for DebiCheck in your organisation. Make an occasion of it – there’ll be lots to celebrate!
5. Staff training
- PAYM8 will provide your team with detailed product training on both the DebiCheck transaction, as well as the PAYM8 AXIS environment.
- Suitable training slots will be agreed with your team prior to “going live” with the DebiCheck process.
6. On-boarding your organisation to production
- A number of on-boarding processes need to take place in both the PAYM8 and banking environments. We’ll guide you through any documentation that needs to be completed prior to the agreed upon production launch date in your environment. Bear with us here – we’ll keep the admin to a minimum!
7. Sign off test transactions in Production
- Time to test the waters! After all the cheers and celebrations, PAYM8 will be available to your team to process your first live DebiCheck transaction!
- We’ll also make sure that we follow the transaction through to settlement of the collected funds in your bank account – an end-to-end production test, in other words.
8. Migrate process for existing NAEDO’s
- The DebiCheck Industry Implementation process also necessitates the migration of existing NAEDO transactions into the DebiCheck payment stream.
- We’re still waiting for the last confirmations around the process. As soon as it has been agreed on at industry level, we’ll disclose in detail to you what it entails.
What are the next steps?
Our team will be in contact shortly to set up times for the project kick-off meeting if that has not occurred yet. From there, the above approach will be tailored to your environment, and we can get the ball rolling!
We are committed to ensuring the entire migration of DebiCheck and AXIS runs as seamlessly as possible for you with minimal disruption to your business.
Should you require any further information at this stage, please contact us on debicheck@paym8.co.za.
Merchants using a Third Party Integrator
Merchants utilising an integrator
PAYM8 will be launching the DebiCheck transaction on our brand new intelligent payment platform; AXIS. The AXIS platform will facilitate interoperability between payment channel types. For example, you can move from the DebiCheck to NAEDO or EFT channels, alternatively from NAEDO to EFT Debit, putting you in control of your payment journey.
Your recurring payments are easily manageable with just the tick of a box.
Third-Party Administration System Providers will be able to offer you the exact same level of value, in their administration systems, by integrating into our simple-to-implement AXIS API – now isn’t it reassuring that you will not miss out?
What are the timelines?
SARB accommodated industry by accepting new proposed timelines for implementation of DebiCheck:
So how are you affected?
PAYM8 was one of the first payment gateways to successfully process a DebiCheck transaction – so you’re in good hands!
We’ve also put in additional effort to ensure that the development teams of Third-Party System Providers are kept completely in the loop with these developments. These system providers of course have their own project prioritisation lists, and even though DebiCheck is high on everyone’s agenda, we do recommend that you check in with your system provider to see what their development timelines are. You will not be DebiCheck-ready, if your administration system isn’t!
From PAYM8’s side, we’ve develop a systematic project plan for each of our merchants to ensure that the transition to DebiCheck and AXIS is smooth and non-disruptive.
The approach is as follows:
1. Project kick-off meeting
- Our team, led by our Customer Care Manager, Carla Van Der Vywer will be in contact shortly to set up your project kick-off meeting (if the meeting has not occurred yet).
- During this meeting, all aspects affecting your organisation will be discussed, including the implementation process that will commence once your Administration System Provider has completed their DebiCheck development.
- It is critical that all role-players and stakeholders involved in the collection process, attend this project kick-off meeting. You are also most welcome to invite a representative from your Administration System Provider to this session, to ensure we have their insights as well.
2. Merchant testing
- Some Administration System Providers may require you to conduct system testing in their environment – this is an exciting opportunity for you to collaborate with their team in terms of the development process. We recommend that you contact your System Provider in this regard, to see how you can get involved.
3. Staff training
- PAYM8 will provide your team with detailed product training on both the DebiCheck transaction, as well as the PAYM8 AXIS environment. Even though you may be using an Administration System, we’d love to show you how our platform works!
- Suitable training slots will be agreed with your team prior to “going live” with the DebiCheck process.
4. On-boarding your organisation to production
- Once your Administration System Provider has completed their testing with PAYM8, and promoted their application to Production, you will be in a position to be on-boarded for DebiCheck.
- A number of processes need to take place in both the PAYM8 and banking environments. We’ll guide you through any documentation that needs to be completed prior to the agreed upon production launch date in your environment. Bear with us here – we’ll keep the admin to a minimum!
5. Sign off test transactions in Production
- Time to test the waters! After all the cheers and celebrations, PAYM8 will be available to your team to process your first live DebiCheck transaction!
- We’ll also make sure that we follow the transaction through to settlement of the collected funds in your bank account – an end-to-end production test, in other words.
6. Migrate process for existing NAEDO’s
- The DebiCheck Industry Implementation process also necessitates the migration of existing NAEDO transactions into the DebiCheck payment stream.
- We’re still waiting for the last confirmations around the process. As soon as it has been agreed on at industry level, we’ll disclose in detail to you what it entails.
- Once again – we’re working closely with your Administration System Provider to ensure that this is a completely painless process for you.
What are the next steps?
Our team will be in contact shortly to set up times for the project kick-off meeting if that has not occurred yet. From there, the above approach will be tailored to your environment, and we can get the ball rolling! We are committed to ensuring the entire migration of DebiCheck and AXIS runs as seamlessly as possible for you with minimal disruption to your business.
Should you require any further information at this stage, please contact us on debicheck@paym8.co.za.
Merchants utilising the PAYM8 User Interface
Merchants utilising the PAYM8 User Interface
PAYM8 will be launching the DebiCheck transaction on our brand new intelligent payment platform; AXIS. The AXIS platform will facilitate interoperability between payment channel types. For example, you can move from the DebiCheck to NAEDO or EFT channels, alternatively from NAEDO to EFT Debit, putting you in control of your payment journey.
Your recurring payments are easily manageable with just the tick of a box.
All this functionality is also available through a simple-to-implement API.
What are the timelines?
SARB accommodated industry by accepting new proposed timelines for implementation of DebiCheck:
So how are you affected?
PAYM8 was one of the first payment gateways to successfully process a DebiCheck transaction – so you’re in good hands!
We’ve develop a systematic project plan for each of our merchants to ensure that the transition to DebiCheck and AXIS is smooth and non-disruptive.
The approach is as follows:
1. Project kick-off meeting
- Our team, led by our Customer Care Manager, Carla Van Der Vywer will be in contact shortly to set up your project kick-off meeting (if the meeting has not occurred yet).
- During this meeting, all aspects affecting your organisation will be discussed, as well as indicative timelines that need to be adhered to.
- It is critical that all role-players and stakeholders involved in the collection process, attend this project kick-off meeting.
2. Staff training
- PAYM8 will provide your team with detailed product training on both the DebiCheck transaction, as well as the PAYM8 AXIS environment.
- Suitable training slots will be agreed with your team prior to “going live” with the DebiCheck process.
3. On-boarding your organisation to production
- A number of on-boarding processes need to take place in both the PAYM8 and banking environments. We’ll guide you through any documentation that needs to be completed prior to the agreed upon production launch date in your environment. Bear with us here – we’ll keep the admin to a minimum!
4. Sign off test transactions in Production
- Time to test the waters! After all the cheers and celebrations, PAYM8 will be available to your team to process your first live DebiCheck transaction!
- We’ll also make sure that we follow the transaction through to settlement of the collected funds in your bank account – an end-to-end production test, in other words.
5. Migrate process for existing NAEDO’s
- The DebiCheck Industry Implementation process also necessitates the migration of existing NAEDO transactions into the DebiCheck payment stream.
- We’re still waiting for the last confirmations around the process. As soon as it has been agreed on at industry level, we’ll disclose in detail to you what it entails.
What are the next steps?
Our team will be in contact shortly to set up times for the project kick-off meeting if that has not occurred yet. From there, the above approach will be tailored to your environment, and we can get the ball rolling! We are committed to ensuring the entire migration of DebiCheck and AXIS runs as seamlessly as possible for you with minimal disruption to your business.
Should you require any further information at this stage, please contact us on debicheck@paym8.co.za.
Are you DebiCheck ready?
PASA has released some vital resources from a consumer and merchant perspective regarding the DebiCheck implementation and impact.
These resources can be accessed on the below links:
DebiCheck decoded
Download more information here.
DebiCheck FAQ’s
Download more information here.
Understanding the DebiCheck process
Download more information here.
We are focused on ensuring the transition to DebiCheck is as seamless and frictionless as possible for your business. PAYM8 will continue to provide you with the technical assistance, educational resources and support to get you DebiCheck ready.
Look out for our communications and should you have any questions, please contact debicheck@paym8.co.za.
DebiCheck is happening – PAYM8 will help you get ready!
Understanding your mandates
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