DebiCheck is an authenticated debit order system. Unlike a standard debit order, where the agreement to collect sits between you and your customer, DebiCheck brings the customer's bank into the loop. Before any money is collected, the customer confirms the mandate directly with their own bank.
How DebiCheck works
The process is straightforward from your customer's point of view, but it adds an important layer of verification behind the scenes:
- You initiate a mandate with the customer's details and the agreed amount.
- The request is routed to the customer's bank for authentication.
- The customer confirms the mandate — typically via their banking app, USSD, ATM or in branch.
- Once authenticated, the mandate is registered and collections can begin.
The key difference: with DebiCheck, the customer's bank has already verified the mandate. That makes each collection far harder to dispute after the fact.
Why it reduces disputes
A large share of debit order disputes happen because the customer claims they never agreed to the collection, or didn't recognise it. Because DebiCheck mandates are confirmed by the account holder through their own bank up front, that "I never authorised this" claim falls away. The result is fewer reversals, fewer disputes, and a healthier collection success rate.
Is DebiCheck right for you?
DebiCheck is particularly valuable if you deal with higher-value recurring collections, have experienced disputes in the past, or want the strongest possible authorisation on file. For lower-risk, established customers, standard EFT debit orders may still be perfectly suitable — many businesses use a mix.
Linkserv can help you process DebiCheck collections and decide where they fit alongside your other services.