Billing and invoicing solutions for subscription based e-commerce

E-commerce in the South African market has grown immensely in recent times as South Africans are becoming more comfortable buying products online.

This lucrative industry has seen a lot of success with companies generating billions of Rands and will continue to grow in future as consumers can easily access a wide range of products and services through the click of a button.

Subscription based e-commerce

Subscription based e-commerce is a fairly new concept to the market as e-commerce has always been known for its once-off transactions between the consumer and online store.

At the heart of embarking in this new direction will be to set up the recurring payment of subscription based products in such a quick and effective way so that the convenience factor of buying online does not get lost.

Sign electronic debit order mandates online

Direct Debit has the perfect solution for any subscription based e-commerce business in South Africa. We provide small to large enterprises with our electronic mandate solution, EFT or NAEDO debit order facilities and SnapBill for your invoicing and debit order collection needs.

The electronic mandate solution will allow consumers to complete a debit order mandate electronically, where they will be able to sign digitally from any device and the mandate then gets sent in PDF format to both the online shop and the customer. The mandate also gets stored as set out in the ECT Act and PASA regulations.
For more information regarding our electronic mandate solution, please visit: http://www.electronicmandate.com.

Our debit order facilities include both EFT and NAEDO which allow you to transact directly via Bankserv. We have a few debit order systems available including file upload, contract management and an integration option where the e-commerce store and our debit order systems can be directly linked.

We also offer other facilities like EFT credit facilities and account holder verification that can also be integrated with the e-commerce website.

SaaS billing solutions

SnapBill, one of our leading partners can provide an entirely automated process with regard to payment solutions as the e-commerce website will be able to add various payment gateways such as Direct Debit, PayPal, PayFast and Iveri only to name a few.

SnapBill also provides online invoicing, automatic reconciliation of payments, statements and SMS-messaging services all on one platform.

For more information regarding payment solutions and invoicing via SnapBill, please visit: http://www.snapbill.com.

Our recurring payment solutions will give your subscription based e-commerce business the convenience factor to differentiate it from all other e-commerce businesses.

Succeed in e-commerce with the help of Direct Debit, the future of debit order collections.

Private security industry debit order collection solutions

Direct Debit provides professional tailored debit order collection solutions for all types of security companies. The private security industry is known to be largest in South Africa.

This comes as no surprise to citizens living in our beautiful country as it has always been known for crime. Crime statistics unfortunately continue to rise and citizens are steering towards better protection through manned guarding, assets in transit, physical security , alarm monitoring and armed response only but to name a few.

The private security industry is performing basic security functions that once used to be the core functions provided by the police. This has led to the significant growth in the market where security companies are able to provide citizens with tailor-made solutions with a direct focus on their neighbourhoods and personal security needs.

The private security industry has also been a big contributor to the employment sector where private security training programmes and aspiring security guarding has come to be widespread in our risky society.

Along with the exponential growth and big contributions to our economy, the private security industry will never be able to do everything operationally by themselves. The industry has worrying operational factors like collection of monthly security fees from clients, administration costs, high banking fees and of course the large volumes of salary payments made to staff members.

We here at Direct Debit can make life a lot easier for one of the largest industries in our country. We are able to provide our NAEDO and EFT debit order collection system to collect monthly fees seamlessly, an EFT credit system to make timeous payments to guards and other staff and criminal record checking facilities to make sure that you employ only the best.

Our mission is to make every aspect of the debit order collection and debit order payment process as automated as possible, leaving more time to focus on your customer and their security needs.

Debit order system for Internet Service Providers (ISPs)

The Internet Service Provider (ISP) industry has been booming in the South African market in recent times. The commercialisation of the Internet as a whole made this emerging industry possible and will continue to create many new opportunities.

Internet Service Providers are companies that provide Internet services which includes access to the Internet, hosting of websites, building of websites and email accounts to individuals and businesses.

ISPs can provide their customers with one or more of the following Internet connection options; DSL, Cable, Satellite or Fiber-optic.

ISP companies have to take in to consideration costly factors like the speed of connections, data caps, introductory deals, bundling, day-to-day operations, administrative tasks and of course the billing and collection of their fees.

Direct Debit provides ISPs with the perfect debit order solution to solve their billing and payment collection woes.

We provide small-to-medium sized Internet Service Providers with a cost effective debit order system that will save them time and money.

Our innovative team will handle all your billing and debit order collection needs, which will leave you with more time to focus on the day-to-day operations of the business.

Our services include NAEDO debit orders, EFT debit orders, Account Holder Verification, Bulk SMS, credit checking services and of course our newly developed, one of a kind, electronic debit order mandate solution.

Debit order collection for churches, charities, NGOs and non-profit organisations

Non-profit organisations have one goal in mind and that is to inspire more giving by providing pro-social tasks in their communities.

These organisations have been growing in South Africa as our communities are moving towards the ideal of doing things for the greater good and moving away from tendency to chase financial gain.

The no margin, no mission approach has become something of the past, as the mission alone is fulfilling enough for individuals partaking in non-profit organisations and how they maximise to serve their societies within South Africa.

Non-profit organisations include a wide range of organisations including churches, charities, NGOs, educational institutions, medical, law, scientific, arts and culture, home owners associations and unions only to name a few.

This extensive range of organisations can all benefit from Direct Debit by using our debit order collection facilities to collect their monthly membership fees and donations to better serve their communities as funding is readily available. Direct Debit increases cash-flow by making it easier to process collections and payments via debit order.

Direct Debit not only provides NAEDO and EFT debit order systems, but also provides other beneficial services like our electronic mandate solution and bulk SMS services, that will save non-profit organisations on hefty administration costs, improve accessibility to their members and provide them with a professional audit trail.

Debit order facilities for property managers and administrators

The property management industry is an emerging industry and has been showing exceptional growth, especially with new rentals in the South African market.

The growth is due to the increasing foreclosures and stiffening mortgages in the buyer markets leaving the rental market to fill a growing gap.

Property management companies provide their clients with a wide variety of services that will save them time and unnecessary costs and give them access to experts in the field that will give them a good peace of mind.

The property management industry is responsible for many duties including collecting of levies or fees monthly (usually via debit order), tenancy contracting, proper interviewing or analysis of prospective tenant’s credit record, criminal history, payment history, responsibility for repairs and maintenance, record-keeping, compiling of budgets and conducting the annual general meetings.

Direct Debit provides property management companies with services that will lighten the load by automating the debtors process via our debit order systems and keeping out unwanted tenants.

Our debit order collection facilities will make collection of levies and fees monthly easy. This effectively saves property management companies both time and money.

We provide credit checking services, deed searches, property valuation and criminal checking services that will help with proper analysis of prospective tenants.

Direct Debit also developed an electronic debit order mandate solution for a more convenient way for your customers to authorise levies. Customers can now authorise transactions online via any web-enabled device. We provide the ability for customers to sign in full, using their hand, a stylus or mouse directly on their device.

Debit order collection for the insurance industry

Insurance in today’s day and age has become a basic need, like food or water, a life without it would be unimaginable.

Life happens and unforeseen events occur daily, which is the reason why people feel the need to feel protected from the unknown. So, what do they do?

They wrap themselves in their safety blanket. Insurance provides them with the protection and guidance they would need from the “unknown”.

Keeping people feeling secure and protected has led the insurance industry to be one of the fastest growing industries in South Africa with new, innovative, insurance products emerging daily.

Unfortunately, with growth comes an increasing in administration costs and banking fees.

This is why, Direct Debit has decided to create tailor made debit order solutions for the insurance industry in South Africa. We have gone out of our way to meet all of your debit order collection and billing needs and save you on unnecessary costs.

Our services include EFT and NAEDO debit order facilities, where we also provide you with your own bank account, a credit facility and your own user code as prescribed by the rules and regulations set out for insurance business.

We’ve also developed an electronic debit order mandate solution for a more convenient way for your customers to get insured. Customers can now authorise transactions online via any web-enabled device. We provide the ability for customers to sign in full, using their hand, a stylus or mouse directly on their device.

Direct Debit in alliance with SnapBill, provides cloud based invoicing and billing services to our clients, automating the process from start to end. SnapBill includes the ability to calculate multi-tier / reseller commissions in real-time based on actual collections.

Reduce your debit order dispute rates

The causes of high debit order dispute rates

There are many causes to high debit order dispute rates. Some of the most common include:

underhanded sales tactics,
lack of data capture procedures leading to human error,
failure to verify account information,
continually debiting clients who have previously disputed,
debiting clients who cannot afford your product/service and
client distrust related to the inability to communicate creditor / value received on a transactional referencing level.

We can help reduce debit order dispute rates

Direct Debit assists your business with putting in place debit order systems which ensure compliance with best practice sales methodology, enforcing data capture procedures and ensuring bank account information is verified.

Our credit check system allows you to determine your clients affordability ahead of time by seamlessly performing credit checks via Transunion, Experian and XDS.

The Direct Debit systems make sure customers who have previously disputed transactions are not debited again.

Direct Debit connects your business directly to BankServAfrica and allows your business to collect from customers on your own unique user/short code. We do not collect funds on your behalf. Funds are collected directly into your bank account.

Instead of transactions being referenced "BUREAU 123456 YOUREF", Direct Debit references transactions as "YOURCOMPANY 123456". This greatly increases your customers trust and reduces dispute rates.

If you're interested in discussing your businesses debit order requirements further then contact us and we'll assist in reducing your debit order dispute rates.

NAEDO facility for improved debit order collection rates

Your business and NAEDO collections

If you're struggling to collect funds from debtors then you may wish to consider looking at using a NAEDO collection facility. Unlike EFT debit orders, NAEDO collections improve your business chances of successful collection.

NAEDO transactions are presented and processed before the regular EFT debit order runs and your chances of successful collection is therefore greatly increased.

NAEDO transactions are also randomised which means all creditors have an equal chance of collecting successfully from their debtors.

NAEDO allows you to track your customers bank account for a number of days. Should funds not be available when the initial debit run is processed you may specify for how many days your customers bank account should be tracked for. If funds are received by your customer whilst NAEDO tracking is in effect, the funds will be blocked and debited from the account.

Many businesses are choosing to switch from our EFT debit order system to NAEDO for improved debit order collection rates.

If you're looking for an easy and cost effective way to improve your businesses debit order collections then NAEDO is the answer.

NAEDO collections for call centers

Call centers will find NAEDO collections to be the most effective way to collect funds from their customers. Direct Debit does offer its NAEDO collections services to businesses in the call center industry. These businesses pose a higher risk to Direct Debit and need to comply with the requirements as set out below:

• Copies of company documents
• Proof of business premises
• Copies of identity documents for all directors/members
• Proof of residence for all directors/members
• Confirmation of membership with the Direct Marketing Association (DMA)
• Business plan
• List of the products being sold
• All terms and conditions of use relating to the product/s sold
• Please indicate whether you are the owner of the products being sold
• If you are not the product owner and are purchasing the products and reselling, contracts to support the authority to sell these products will need to be provided
• Please indicate whether a paper/voice mandate is used or both
• If a paper mandate is used, a copy will need to be provided
• A copy of the document that will be sent to all clients within 21 days of a successful sale
• If voice mandates are used, the minimum requirements need to be adhered to, and we require sample voice recordings to verify this
• Proof of capability to retain voice mandates for 5 years
• Complaints policy
• Cancellation policy
• Site visit from a representative
• Indicate how leads are generated? If information is being bought, a copy/extract is to be provided
• If an existing debit order service provider is being used the following will apply:
  • Please indicate unpaid ratio
  • Last 3 months reports reflecting transactional history 
i.e. Number of successful transactions, unpaid transactions, transactions disputed

If your call center meets these requirements then request a quotation today to see how we can improve your debit order collection rates while saving you money on your existing debit runs.

EDO and EFT debit order collection

Direct Debit are industry leaders in debit order collections in South Africa. Whether you are looking for an EFT or NAEDO debit order facility, with or without Account Holder Verification, Direct Debit has you covered.

Debit Orders for Improving Cash Flow

Debit orders ensure your business the best possible cash flow obtainable while saving you and your clients on hefty bank fees. Direct Debit performs EFT debits and EFT credits at a fraction of the cost of your banking partner.

Direct Debit integrates with all major South African banks and ensure your transactions are settled in a reliable, timely and highly effective manner. Direct Debit is the trusted name in debit order collections.

EDO Solutions for Better Success Rates

As an EDO solutions provider, Direct Debit provides highly competitive NAEDO and AEDO collection services to clients across a broad range of industries. Competitive NAEDO tracking rates makes our NAEDO system a viable solution for any business looking to improve their debit order success rate.

Contract Management and Debit Orders

Our debit order contract management solutions ensures your business is empowered to manage and automate your clients debit order processing. We offer a variety of contract management solutions with various levels of integration available.

Get a Debit Order Quotation

Request a quotation today and discuss the best solution for your business.

Picking the best debit order system

When picking a debit order system you need to first establish the scope of your debit order requirements. Do you wish to debit your clients in an ad-hoc/once-off manner or will you be debiting on a recurring manner and will this be for a set amount or varying amounts?

Debit Order System

The above factors may quickly determine which debit order system will be best suited for your business needs. You will also need to consider whether you will be making use of NAEDO tracked or EFT debit orders. Some debit order systems have the ability to “learn” when your clients will have funds available, especially when making use of NAEDO collections. This will allow you to debit regular paying clients using a more cost effective debit order solution, such as EFT, while increasing your success rate at the same time.

Direct Debit

At Direct Debit we offer both a simple payment system for managing debit orders as well as a fully automated billing and CRM solution. If you are interested in more information on our debit order systems then please get in touch. We are in the process of developing a mobile debit order system which will be released early in 2013.

Should you be interested in joining our mobile debit order service beta program then please request a debit order quote and specify your interest in our mobile debit order application. You will need to have an active Direct Debit account to tryout our debit order mobile application. This application is browser based and works on any mobile device.