We build payment flows that collect reliably, confirm instantly, and reconcile automatically. That includes CRM quote and proposal automation: deal-to-quote generation that pulls line items, contacts, and pricing into branded PDFs, one-click quote actions from the pipeline view, full narrative proposal packs from approved content libraries, governed CRM product catalogues with discount guardrails so every quote uses approved SKUs and prices, configure-price-quote (CPQ) systems that guide reps through valid configurations with option rules, bundles, and discount governance, CPQ-to-CRM write-back so configured quote totals and line items sync into opportunity amounts and forecast reports, internal value and discount threshold approval routing before quotes leave as PDFs, percentage-based discount escalation hierarchies that protect margin, in-quote margin calculators with live ERP cost, contribution visibility, and floor enforcement before quotes leave as PDFs, e-signature integration so quotes and commercial contracts are signed digitally under the ECT Act with DocuSign status sync back to the CRM, quote expiry follow-up with pre-expiry prospect nudges, sales alerts when quotes lapse, and pipeline hygiene on expired quotes, automated post-send quote follow-up sequences (day 1 / day 3 / day 7) across email, WhatsApp, and CRM tasks so every quote gets the same disciplined cadence, automatic quote-to-invoice conversion on signature, accepted-quote to ERP sales order with stock reservation for distributors, signed-quote to project creation in Asana, Monday, ClickUp, or Jira for agencies and professional services, and contract lifecycle management with obligation tracking and renewal visibility. From DebiCheck debit orders and Netcash mandates, including automated collection health reports after monthly runs and CRM-aware dispute desks for the 60-day PASA reversal window, to Stripe, PayFast, Ozow, Stitch, and Yoco integrations, including fee and settlement comparison advisory so you pick the right SA gateway before we wire it in, staged gateway migration with PCI token vault transfer or soft re-tokenisation, dual-run cutover, and payment-history backfill so subscribers keep renewing when you switch providers, African mobile money acceptance via M-Pesa, MTN Mobile Money, and Airtel Money for Kenya, Ghana, Nigeria, Uganda, and Tanzania checkout expansion with Xero or Sage mark-paid reconciliation, multi-currency presentment (USD, EUR, GBP, and ZAR) with automatic ZAR or CFC settlement and ledger FX posting, EMV 3DS2 with risk-based frictionless authentication and SCA exemption handling that protects checkout conversion, plus ongoing multi-provider fee ingestion with effective MDR reporting, FX leakage visibility, and rate-change alerts, pre-processing amount validation against open invoices before debit-order or EFT batches leave the bank, captured-to-bank settlement lag tracking (T+1 to T+3) with remittance-to-deposit matching, AI and ML deposit matching for unidentified bank references with confidence-scored suspense clearing, a unified payment reporting API that normalises status, fees, FX, and settlement dates across Stripe, PayFast, Peach, and Yoco into Power BI, Looker, and Metabase board packs, finance-facing real-time cash-position dashboards that aggregate settled, pending, and failed volumes across providers, automated chargeback evidence packs filed before issuer deadlines, prepaid credit and digital wallet ledgers with atomic balances, gateway top-ups, and expiry tranches, AVS bank-account ownership checks before first collection or payout, HMAC webhook signature verification so forged payment.succeeded events cannot release stock or mark invoices paid, timeout-safe charge creates with verify-before-retry so ambiguous network failures do not double-bill, PCI-DSS scope reduction through hosted payment pages, hosted fields, and card tokenisation so merchants stay on SAQ A instead of SAQ D, first-time tokenised card-on-file setup for membership and SaaS renewals, recurring billing with managed plan catalogues, mid-cycle proration, and unified subscription status across Stripe, PayFast, and Peach for multi-market merchants, instalment plans, smart dunning, Pay Now invoice links plus ad-hoc one-time pay-by-link generation from CRM or Ops for deposits and collections that are not tied to a formal invoice PDF, shareable via email, SMS, and WhatsApp, and full customer self-service portals where clients view history, download PDFs, pay outstanding balances, and see a unified Pending/Paid/Failed status across providers, webhook-driven payment confirmation receipts via email and SMS the moment a charge succeeds, WhatsApp and SMS payment reminder sequences with PayFast, Peach, Yoco, and Ozow links, marketplace payouts, multi-bank EFT batch generators that output the correct ABSA, FNB Online Banking Enterprise (CSV, Bankserv ACB, ISO 20022 PAIN), Standard Bank ACB/CATS, and Nedbank layouts from one source with cut-off awareness, calendar-driven scheduled supplier and contractor payments from Xero, Sage, or QuickBooks payables into bank rails so early-payment discounts are captured and late fees stop, pre-settlement sanctions screening with automatic holds and compliance release queues, ecommerce order risk scoring with Shopify and WooCommerce pre-fulfilment hold and release, full refund cycles from approval through gateway or EFT payout, accounting credit note, customer confirmation, and reconciliation, and fraud prevention for South African and global businesses.
DebiCheck mandates with TT1/TT2/TT3 auth, NAEDO migration, AVS pre-validation of account ownership before first collection, pre-processing amount checks against open invoices and expected schedules before Netcash or Bankserv batches leave so overpayments, underpayments, and duplicates never hit the bank, ongoing lifecycle management through Netcash, Stitch, or GoCardless, greenfield CRM and billing DebiCheck wiring (mandate capture to authenticated collection sync) independent of a single PSP brand, automated collection health reports after monthly runs covering success, unpaid, and dispute rates so CFOs stop building Excel packs by hand, and dispute intake under SA banking rules with mandate-proof lookup, 60-day PASA reversal windows, and CRM-aware recovery or retention paths so reversals do not silently write off members.
Fee and settlement comparison across PayFast, Yoco, Ozow, Peach, and Stitch so you choose the right SA stack before we integrate it, then accept card, Instant EFT, SnapScan and Zapper QR wallets, and account-to-account payments with normalised webhooks, multi-currency presentment for USD, EUR, GBP, and ZAR with automatic ZAR or CFC settlement and Xero/Sage multi-currency FX posting, African mobile money via M-Pesa, MTN Mobile Money, and Airtel Money for Kenya, Ghana, Nigeria, Uganda, and Tanzania checkout expansion with automated Xero or Sage reconciliation, staged gateway migration with PCI token vault transfer or soft re-tokenisation, dual-run cutover, and payment-history backfill so active subscriptions keep renewing when you switch Stripe, PayFast, Peach, or Yoco, HMAC signature verification and secret rotation, durable webhook retry with exponential backoff and a dead letter queue for exhausted payment and fulfilment deliveries, and multi-provider failover, plus EMV 3DS2 with risk-based frictionless authentication, SCA exemption handling, and conversion-safe challenge UX so Strong Customer Authentication does not tank checkout, timeout ambiguity handling on charge creates with verify-before-retry and idempotent confirm for Stripe and PayFast so network timeouts do not double-charge, PCI-DSS scope reduction via hosted payment pages, hosted fields, and card tokenisation (SAQ A instead of SAQ D) so raw card data never lands on your servers, webhook-driven branded payment confirmation receipts via email and SMS on successful payment (distinct from overdue reminder sequences), coordinated refund or void when a later invoice, stock, or fulfilment step fails so charges do not orphan mid-flow, and full refund automation from approval through gateway or EFT payout, accounting credit note, customer confirmation, and reconciliation, including RMA-triggered returns to PayFast, Stripe, Shopify Payments, or Ozow. Dual-channel Yoco card machine and Yoco Online sync writes payments into CRM deals, marks Xero or Sage invoices paid, and decrements stock so in-store and online channels reconcile as one ledger.
Automated chargeback and card-dispute workflows that gather receipt, delivery, AVS, and customer history into evidence packs and file representment before issuer deadlines across Stripe, PayFast, and Peach so you stop losing by default, with 3DS2 liability-shift evidence where authentication completed so fraud disputes start from a stronger position.
Embed Pay Now buttons on Xero, Sage, and QuickBooks invoices, generate ad-hoc one-time pay-by-link from CRM or Ops for deposits and collections that are not tied to a formal invoice PDF, capture technician on-site mobile payment at field job completion so residential DSO drops from weeks to same-day (distinct from office-issued invoice Pay Now links), and run WhatsApp and SMS payment reminder sequences with PayFast, Peach, Yoco, and Ozow links so clients pay without digging through email, plus aging-bucket chase-and-escalate workflows aimed at cutting debtor days (DSO), not only pay-link reminders.
Branded self-service portal where customers view invoice history, download PDFs, see live balances, and pay outstanding invoices without calling AR, plus a unified payment status tracking API that normalises Pending, Paid, and Failed across PayFast, Peach, Stitch, and other gateways for portal and ops consumers.
First-time tokenised card-on-file setup with PCI SAQ A scope reduction for membership and SaaS renewals, then plan catalogues with tiers and add-ons, trials, mid-cycle proration, smart retries, dunning programmes, and self-service card updates through Stripe Billing, Chargebee, PayFast, or Paddle, plus a unified subscription status layer across Stripe, PayFast, and Peach so multi-market merchants stop reconciling siloed dashboards by hand, staged gateway cutovers that migrate vaulted tokens or soft re-tokenise without forcing every subscriber to re-enter cards, and contract expiry reminder automation with 90/60/30 CRM alerts so account managers protect ARR before silent churn.
CRM deal-to-quote generation that pulls products, pricing, and contacts into branded quote PDFs, one-click quote actions from the pipeline or kanban view so warm prospects get a quote in minutes, AI quote drafting triggered by CRM deal stage with live pricing-rule enforcement, discount guardrails, and CRM write-back (distinct from full narrative proposal packs and library-only automation), AI proposal generation that drafts full commercial packs from CRM deal data, past wins, and product catalogues (distinct from library-only narrative automation), full narrative proposal automation from approved content libraries with case studies and pricing tables, governed CRM product catalogues with approved SKUs, VAT treatment, and discount guardrails so reps stop quoting from stale spreadsheets, configure-price-quote (CPQ) systems that guide reps through valid configurations with option rules, bundles, and discount governance for complex products, CPQ-to-CRM write-back so configured quote totals and line items sync into opportunity amounts and forecast reports, internal manager and director quote approval routing by value and discount thresholds before the customer sees the PDF, threshold-based discount approval hierarchy (rep to manager to director by percentage with SLA escalation) so margin leaks stop without slowing low-discount deals, e-signature and digital signing for quotes and commercial MSAs/NDAs/order forms under the ECT Act so clients sign in minutes from any device, DocuSign envelope status sync to CRM deals with automatic quote-to-invoice conversion the moment a quote is signed, quote expiry follow-up with pre-expiry prospect nudges, sales alerts when quotes lapse, and pipeline hygiene on expired quotes, automated post-send quote follow-up sequences (day 1 / day 3 / day 7) across email, WhatsApp, and CRM tasks so every quote gets the same disciplined cadence, accepted-quote to ERP sales order with stock reservation and pick/pack for product distributors (distinct from quote-to-invoice cash collection), signed-quote to project spawn in Asana, Monday, ClickUp, or Jira with tasks, owner, budget, and kickoff checklist for service businesses, and contract lifecycle management with a centralised repository, obligation tracking, version control, and renewal/expiry visibility from draft through signature, plus in-quote margin calculators that pull live ERP cost, show contribution percentage and discount impact, and enforce margin floors before the PDF leaves.
Structured instalment schedules with due-date reminders, balance tracking, and CRM status sync.
Customer prepaid credit and digital wallet ledgers with atomic balance updates, gateway top-ups, spend capture, expiry tranches, and CRM-synced available credit so education, marketplace, and loyalty programmes stop leaking value through spreadsheet wallets.
Generate bank-ready EFT batch files from accounting payables for ABSA, FNB, Standard Bank, and Nedbank from one source system, including multi-bank dual generators that emit the correct ABSA and Nedbank layouts without dual Excel templates, FNB Online Banking Enterprise CSV, Bankserv ACB, and ISO 20022 PAIN files, and Standard Bank ACB and CATS SSVS salary files with Business Online cut-off awareness so a single bad field does not reject the whole payroll run, plus calendar-driven scheduled supplier and contractor payments from Xero, Sage, or QuickBooks approved bills into bank rails so early-payment discounts are captured and late fees stop without Friday portal fire drills, with AVS ownership checks before supplier or beneficiary payouts, and optional pre-settlement sanctions screening gates before money moves.
Split buyer payments into platform fees and seller remittances with escrow, ledger sync, and fast payout cycles.
Three-way matching of gateway settlements to CRM deals and accounting invoices, captured-to-bank settlement lag tracking (T+1 to T+3) with remittance-to-deposit matching across PayFast, Peach, Yoco, and Stripe so Monday suspense hunts end, AI and ML matching for unidentified bank deposits with vague references using amount fingerprints, customer history, and confidence-scored suspense clearing, multi-provider subscription status matching across Stripe, PayFast, and Peach, bank-feed import and auto-matching, finance-facing real-time cash-position dashboards that aggregate settled, pending, and failed volumes across PayFast, Peach, Yoco, Ozow, Stitch, and Stripe, a unified payment reporting API that normalises status, fees, FX, and settlement dates across Stripe, PayFast, Peach, and Yoco into Power BI, Looker, and Metabase board packs with cohort revenue and failure-rate analytics, plus ongoing fee ingestion with effective MDR reporting, FX leakage visibility, and rate-change alerts so margin leakage is measurable, not buried in a lump P&L line.
Automatically allocate lump-sum payments across multiple invoices, handling partials and overpayments, with optional AI-assisted matching when bank references are missing or misspelled.
Real-time scoring, velocity checks, BEC detection, and sanctions screening before settlement that stop fraudulent or prohibited payments before they clear, plus ecommerce order risk scoring on Shopify and WooCommerce with pre-fulfilment hold and release so suspicious orders never ship, with automatic holds and release/reject review queues, and AI fraud models that cut chargeback leakage and refund or claims abuse without spiking false declines. Also covers SA banking ops fraud alerts tuned to EFT App fraud, SIM-swap transfers, authorised push payment, and card-not-present patterns with real-time scores into fraud ops queues and CRM before funds leave the rails (distinct from ecommerce chargeback models alone).
A managed services firm went from 78% on-time collections to 97%, eliminated 11.5 hours of monthly chasing, and recovered R186,000 in year one with DebiCheck-authenticated Netcash debit orders.
A 400-subscriber SaaS cut payment costs by 62% and failures from 7.8% to under 1% by moving recurring billing from cards to GoCardless direct debit. No monthly fees, £4 cap per payment.
A B2B SaaS platform cut payment failures from 7.8% to under 2%, recovered R3.1 million in year one, and lifted European conversions 22% by fixing webhooks, SCA exemptions, and retry logic.
A subscription box company went from 12% failed checkouts to under 1%, recovered R564,000 annually, and hit full ROI in six weeks. Cards, EFT, SnapScan, and recurring billing all handled.
A subscription e-commerce firm cut payment fees by 47%, eliminated 400 hours of proof-of-payment chasing annually, and started shipping same-day instead of waiting 2 to 3 days for EFT confirmation.
A wholesale distributor cut reconciliation from 48 hours a month to 11, closed six days faster, and recovered R900,000 in year one. Handles 85-95% of transactions without human matching.
A 30-person B2B firm eliminated 40+ weekly finance interruptions, cut bad debt from 2.8% to 0.9%, and lifted renewal rates from 76% to 89% by syncing payment status into the CRM.
A wholesale distributor cut allocation from 72 hours a month to 9, corrected a 12% overstatement on aged debtors, and recovered R680,000 in year one. Handles partial payments and rounding.
A multi-gateway SA firm cut three-way reconciliation from 22 hours a week to 2.5, closed eight days faster, and recovered R840,000 in year one from missing and double entries.
Your team is allocating PayFast settlements into Xero and HubSpot by hand. One client cut that from nine hours a week to one, closed three days faster, and recovered R142,000 in year one.
A Joburg wholesaler recovered 14 hours a week and closed a R5m POPIA exposure gap after we localised CRM for ZAR, Sage Pastel, PayFast ITN, and load-shedding sync queues.
A Cape Town Shopify store lifted abandoned cart recovery from R38,000 to R92,000 a month, cut follow-up from eight hours a week to one, and added R648,000 in year-one revenue.