Complete control over your debit orders
with DebiCheck

The DebiCheck debit order is a new type of authenticated debit order which is electronically confirmed by the account holder, via their bank or service provider, on a once-off basis, at the start of a new contract that they have signed with the company who initiated the request. DebiCheck will replace both AEDO and NAEDO transactions.

DebiCheck Mandates can either be authenticated as a delayed batch process, via online banking or the banking app or in real-time, via USSD (cell phone message).

How does DebiCheck work via Direct Debit’s debit order system?

1. Client signs up for the DebiCheck debit order

For TT1 (Real-time/Delayed) and TT2 (Batch) transactions the client will need to sign a paper mandate, complete an E-Mandate electronically or provide voice authorisation for the transaction.

2. Registration of DebiCheck mandate

The User will be able to register the mandate via our debit order system. Once the client has authorised the mandate via one of the authentication channels provided by their bank, then debit order transactions can be submitted.

With the mandate real-time authentication (TT1), the process of requesting the authorisation will be in real-time where the client will be required to respond within 120 seconds, or the request will expire. With the mandate delayed authentication (TT1), the process of requesting the authorisation will be in real-time where the client will be required to respond before the end of the day, after which the request will expire and a negative response will be sent to the User.

With the mandate batch authentication (TT2), the process of requesting the authorisation of the mandate is delayed and the request is part of a batch. On receipt of the request, the Client’s Bank may select any of their systems to send the authentication request to the Client and the Client would be given two (2) business days to respond to the request using one of the authentication channels that their bank provides. The authentication channels include internet banking, banking apps, mobile banking, ATM or call centre as a DebiCheck authentication channel.

3. Submission of debit order transactions

The DebiCheck debit order transactions are collected from customers’ accounts where clients have approved the mandates. DebiCheck transactions can only be submitted within the parameters registered with the client’s bank which means the type of DebiCheck mandate (fixed, variable, and usage-based) as well as the dates and amounts to be debited are very important.