Mandates overview
A mandate is the consent or authorisation given by an account holder/customer, that allows you (the "User") to initiate payment instructions against the customer's bank account.
In the context of Normal Debit Orders, Registered Mandates (RM), and DebiCheck, mandates serve as the foundation of secure and compliant payment collection.
How mandates work
The account holder authorises the user to debit their account.
In DebiCheck, consumers electronically confirm with their bank that they are doing business with the User and agree to the debit order details.
Once authenticated, the bank validates any future debit instructions against the approved mandate.
This ensures the debit order is only processed if it falls within the parameters (amount, frequency, date) agreed to in the mandate.
Why mandates are important
They protect consumers by ensuring debits cannot exceed what was agreed upon.
They protect businesses by providing proof of consent, reducing disputes and unpaid transactions.
They are a compliance requirement for debit order collections in South Africa.
Refer to minimum mandate requirements (information that must be included in every mandate) for more details on compliance.
Actions Available on the Mandate Overview
The Mandate Overview page provides several tools and actions to help you manage and review customer mandates efficiently.
Customer-Specific Actions
View: You can view the full mandate details here.
Go to customer: Click on the Action button next to a specific customer, then select Go to customer to navigate directly to that customer’s profile.
Download: If the customer signed up for a normal debit order through an eMandate, you can download the mandate from here.
Edit Mandate: Update or modify mandate details as needed.
Create a One-time/ Recurring payment: You can add a payment to an existing mandate directly from this section.
Archive: Archive the mandate if it is no longer in use.
Exports
Export your list of mandates to a CSV file for reporting or record-keeping.
When exporting, you can choose between:
All: Exports all mandates, ignoring any filters applied.
Results: Exports only the mandates that match your current filters.
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