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Registered Mandate (RM) South Africa

The digital, SARB-authenticated mandate record at the core of South Africa's DebiCheck system — replacing paper-based debit order mandates with a verifiable, tamper-evident agreement.

Required for all new debit orders in South Africa under PASA DebiCheck scheme rules.

🏛️ PASA DebiCheck scheme rules🔄 Stored by PayInc (BankservAfrica) & both banks✅ Replaces paper-based debit order mandates📋 Amendments require re-authentication

What is a Registered Mandate?

A Registered Mandate (RM) is the digital, bank-authenticated debit order mandate created through the DebiCheck authentication process. When a debtor authenticates a DebiCheck mandate through their bank, the authenticated record becomes the Registered Mandate — the legal and technical authorisation for all future collections under that agreement.

For businesses managing large numbers of debtors, the RM is stored in PayInc (BankservAfrica)'s mandate management system and is referenced by every collection instruction. If a collection deviates from the RM terms, it is automatically blocked. This is the primary fraud-prevention mechanism of the DebiCheck system. Consider using Registered Mandate Services (RMS) if you need outsourced mandate management at scale.

Tamper-evident
Stored by PayInc (BankservAfrica) — cannot be altered without re-authentication
PASA-governed
All RM creation, amendment, and cancellation follows PASA scheme rules
Bank-verified
Debtor authenticates directly through their own bank

Registered Mandate Lifecycle

1

Create

Collector captures mandate details: account, amount, date, frequency. Submits to PayInc (BankservAfrica) via bank or PSP.

2

Authenticate

Debtor authenticates via their bank. RM is stored on approval. Authentication must complete within 2 business days.

3

Collect

Collections matching RM terms are processed automatically. Deviations are rejected pre-settlement.

4

Amend

Any change to amount, date, or terms requires re-authentication — same process as initial creation.

5

Track

Use Account Tracking to monitor account changes. If debtor switches banks, update the mandate before next collection.

6

Cancel

On contract end, cancel the RM via PayInc (BankservAfrica). Prevents unauthorised collections after contract termination.

Related Products

DebiCheckRMS — Mandate ServicesEFT CollectionsAccount Tracking

Find a Registered Mandate Management Provider

Submit one RFQ to receive quotes from South African DebiCheck mandate management service providers.

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Registered Mandate FAQ

What is a Registered Mandate (RM) in South African debit orders?+
A Registered Mandate (RM) in the context of South African debit orders is the digital, bank-authenticated authorisation record created when a debtor confirms a DebiCheck mandate through their bank. It replaces the traditional paper-based or unverified digital debit order mandate. The RM contains all the agreed collection terms — including the creditor details, debtor account number, collection amount, frequency, and collection date — and is stored by PayInc (BankservAfrica) and both the collecting and debtor banks as the authoritative record. Only EFT collections that match the exact terms of the registered mandate can be processed; any deviation is automatically rejected.
How does Registered Mandate management work for high-volume collectors?+
For businesses collecting from thousands of debtors — such as insurance companies, credit providers, or subscription businesses — managing individual DebiCheck mandates manually is impractical. Registered Mandate management involves automated mandate creation workflows, bulk authentication submission to PayInc (BankservAfrica), authentication status tracking, mandate amendment processes (which require re-authentication), and mandate cancellation on contract termination. Most high-volume collectors use an RMS (Registered Mandate Services) provider or a payment service provider that has integrated mandate management into their collection platform.
What happens when a Registered Mandate needs to be amended?+
When a collection agreement changes — for example, a premium increase, a change in collection date, or a change in debtor account — the existing Registered Mandate must be amended. Under PASA DebiCheck rules, a mandate amendment requires the debtor to re-authenticate the updated mandate through their bank, following the same authentication process as the original mandate. The amendment must be submitted to PayInc (BankservAfrica) before the next collection. If re-authentication is not completed within the allowed window, the collection will be rejected. This re-authentication requirement protects consumers from unauthorised changes to their debit order terms.
What is the difference between RM and RMS in South African collections?+
RM (Registered Mandate) is the mandate record itself — the authenticated agreement stored in the PayInc (BankservAfrica) system. RMS (Registered Mandate Services) is the outsourced service model where a third-party provider manages the entire mandate lifecycle on behalf of a collecting business, including initial mandate capture, authentication submission, authentication status monitoring, amendment management, and dispute handling. While any business with a debit order collection account can manage RMs themselves, RMS providers offer specialist technology, compliance expertise, and scale efficiencies that reduce operational risk and cost for high-volume collectors.

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