We build payment flows that collect reliably, confirm instantly, and reconcile automatically. From DebiCheck debit orders and Netcash mandates to Stripe, PayFast, Ozow, and Yoco gateway integrations, multi-currency presentment, African mobile money, CRM quote-to-invoice automation with CPQ and e-signatures, recurring billing with smart dunning, customer self-service portals, multi-bank EFT batch disbursement, three-way reconciliation, and fraud prevention — with South African compliance built in.
DebiCheck mandates with TT1/TT2/TT3 auth, NAEDO migration, AVS pre-validation, lifecycle management through Netcash, Stitch, or GoCardless, automated collection health reports, and dispute handling under SA banking rules with 60-day PASA reversal windows.
Gateway comparison, integration, and staged migration across PayFast, Yoco, Ozow, Peach, Stitch, and Stripe. Cards, Instant EFT, QR wallets, multi-currency, African mobile money, EMV 3DS2, PCI scope reduction, webhook verification, and multi-provider failover.
Automated chargeback workflows that gather evidence packs and file representment before issuer deadlines across Stripe, PayFast, and Peach, with 3DS2 liability-shift proof where applicable.
Pay Now buttons on Xero, Sage, and QuickBooks invoices, ad-hoc pay-by-link from CRM or Ops, on-site mobile payment capture for field teams, and WhatsApp/SMS payment reminder sequences with gateway links.
Branded self-service portal where customers view invoice history, download PDFs, see live balances, and pay outstanding amounts without calling AR.
Tokenised card-on-file setup, plan catalogues with tiers and add-ons, trials, proration, smart dunning, self-service card updates through Stripe, Chargebee, PayFast, or Paddle, and unified subscription status across providers.
CRM deal-to-quote generation, one-click pipeline actions, AI quote and proposal drafting, governed product catalogues, CPQ for complex products, discount approval routing, e-signature under the ECT Act, quote-to-invoice conversion, and contract lifecycle management.
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, and expiry tranches for education, marketplace, and loyalty programmes.
Bank-ready EFT batch files for ABSA, FNB, Standard Bank, and Nedbank from one source system. Calendar-driven scheduled supplier payments from Xero, Sage, or QuickBooks, AVS checks, sanctions screening, and rejected-file repair.
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, settlement lag tracking, AI deposit matching for vague bank references, real-time cash-position dashboards, and unified payment reporting APIs for Power BI, Looker, and Metabase.
Automatically allocate lump-sum payments across multiple invoices, handling partials and overpayments, with optional AI-assisted matching when bank references are missing.
Real-time scoring, velocity checks, BEC detection, and sanctions screening before settlement. Ecommerce order risk scoring with pre-fulfilment hold and release, and SA banking ops fraud alerts for EFT App, SIM-swap, and card-not-present patterns.
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.