Cape Town research studio
SA real-time payments explained without the bank costume
Educational notes on Instant EFT, PayShap, and DebiCheck for teams that need calm language.
Catalogue
Rails
Instant Eft
Instant EFT notes here focus on what support teams must check when a customer says money left their account but the order did not move. We cover bank login hand-off, reference matching, screenshots worth keeping, and the difference between a payment attempt, bank approval, and merchant-side reflection.
Payshap Overview
PayShap overview content explains the rail in plain South African terms, including proxy payments, participating banks, and the small details that confuse front-line staff. Examples look at low-value transfers, mobile number aliases, and what to record when the sender and recipient see different statuses.
Shapid Notes
ShapID notes unpack how phone-number style payment identifiers are used and where mix-ups tend to happen during customer support. The guidance looks at alias confirmation, bank-side naming displays, and privacy habits when teams handle screenshots or chat transcripts.
Debicheck Basics
DebiCheck basics on this site describe mandate authentication without turning the page into bank jargon. We point to debit order timing, handset prompts, customer disputes, and the checks teams should complete before treating a failed collection as non-payment.
Collection Mandate
Collection mandate pages deal with the wording, records, and handover points that matter before recurring collections begin. Notes cover customer consent, reference consistency, bank account detail checks, and what operations staff should store for later dispute handling.
Refund Path
Refund path articles map the steps after a payment needs to go back, especially where Instant EFT and account verification create delay or confusion. We discuss beneficiary detail checks, proof of refund, internal ownership, and the messages customers actually need when a reversal is not possible.
Playbooks
Floor paths that match the week
Bank Payment is an informational site about South African real-time payment rails. Not a bank, not a payment provider, just clear notes.
Signals
Recent notes
First Photo
A short payment note on the first customer screenshot teams should capture before chasing an Instant EFT complaint.
Cut Off Habits
A short payment note on cut-off habits that reduce confusion between payment made, payment cleared, and payment reflected.
Coastal Care
A short payment note on coastal teams handling customers who move between banks, devices, and patchy mobile signal.
Highveld Dust
A short payment note on Highveld teams tracing dusty back-office handovers where nobody knows who owns the refund step.
Power Windows
A short payment note on power windows and what to document when a customer loses signal mid-payment.
Courier Notes
A short payment note on courier-style reference notes, so support can match the payer, the proof, and the order.