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.

Intelligent debit order (IDO) collection facility

Direct Debit has been at the forefront of debit order collections for the last century. Since the addition of the EDO (NAEDO and AEDO) debit order services in 2006, to complement the existing EFT debit order service, not much has changed in the debit order collection space.

Direct Debit is now planning the first release of its flagship intelligent debit order or IDO debit order facility. This revolutionary facility is currently in beta and only available to a select group of Direct Debit customers.

Intelligent Debit Order

IDO is new debit order solution that makes use of artificial intelligence to learn when your customers have funds available. Once a customer has been analysed IDO ensures the best possible debit order collection rates via existing EFT and EDO collection channels.

The intelligent debit order facility continually monitors collections patterns and intelligently switches transactions between various debit order facilities. Maximising cost saving and increasing collection rates.

IDO may be used in conjunction with an existing EFT and NAEDO debit order facility. Intelligent batches are automatically created based on tried and tested algorithms. Direct Debit processes these batches as normal and recon reports are provided.

There will be no additional cost to make use of the IDO collection facility. Intelligent debit order will available to all Direct Debit customers as a percentage share of the actual collection fees saved. We believe if IDO does not save you money, it shouldn't cost you anything.

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.