Payment solutions, explained in detail
Everything Linkserv offers, in one place. From debit order collections to authenticated mandates, here's how each service works and where it fits.
EFT Debit Order Collections
Linkserv processes two-day and same-day EFT debit order collections, giving you flexibility in how funds are collected from your customers' accounts. Whether you're collecting monthly subscriptions, instalments or service fees, the platform handles the full collection cycle for you.
Each collection run is managed with intelligent retry logic, so payments are submitted at the right time and re-attempted when appropriate. Once funds are collected, automated reconciliation matches the money received against your records — removing hours of manual admin.
- ✓Two-day and same-day EFT options
- ✓Intelligent retry logic
- ✓Automated reconciliation
DebiCheck
DebiCheck is an authenticated debit order system where the customer's bank confirms the mandate directly with the account holder before any collection takes place. This creates a verified, electronically authenticated agreement between you and your customer.
Because the mandate is confirmed upfront, DebiCheck significantly reduces disputed transactions and improves collection success rates. It gives both you and your customers confidence that every collection is legitimate and pre-approved.
- ✓Bank-verified mandates
- ✓Fewer disputes & reversals
- ✓Higher collection success
- ✓Customer-confirmed up front
Registered Mandate (RM)
A Registered Mandate lets you securely register and lodge debit order mandates with the banking system, creating a verified record of the agreement to collect. This formal registration strengthens your right to collect and provides a clear audit trail.
With a registered mandate on file, your collections carry added authority and traceability, helping to reduce the risk of unwarranted disputes and giving you a documented basis for every debit order you process.
- ✓Mandates lodged with the banking system
- ✓Verified, traceable record
- ✓Strengthens your right to collect
- ✓Clear audit trail
Creditor Payments
While debit orders bring money in, Creditor Payments handle money going out. Linkserv lets you pay suppliers, salaries and other beneficiaries through secure bulk EFT payments, all managed from the same platform you use to collect.
Upload or schedule a batch of payments and the system processes them and reconciles the results for you. It's a single, secure place to manage both sides of your cash flow, cutting down on the admin and risk of running payments through separate systems.
- ✓Bulk EFT payments
- ✓Pay suppliers, salaries & beneficiaries
- ✓Scheduled & processed for you
- ✓Reconciled in one platform
Electronic Mandates
Electronic Mandates (eMandates) let your customers authorise debit orders entirely online — via SMS, email or a web link. There's no paperwork to print, sign, scan or file, which means faster sign-ups and fewer drop-offs during onboarding.
Once a customer approves the mandate, it's automatically captured, stored and submitted on your behalf. The whole process is digital from start to finish, giving you a clean, searchable record of every authorisation.
- ✓Sign up via SMS, email or web
- ✓No printing or scanning
- ✓Automatically stored & submitted
- ✓Faster customer onboarding
Auto Recovery
When a collection fails — because of insufficient funds or other reasons — Auto Recovery automatically re-attempts the collection using smart scheduling logic. Instead of writing off a missed payment, the system keeps working to recover it.
This reduces revenue leakage and the manual effort of chasing failed payments. Your team doesn't have to track and re-submit each unsuccessful debit order by hand — the platform does it for you in the background.
- ✓Automatic re-attempts on failure
- ✓Smart scheduling logic
- ✓Less revenue leakage
- ✓No manual chasing
Account Validations
Account Validations let you verify a customer's bank account details before you process a collection. By confirming the account exists and is able to accept debit orders up front, and the account holder matches the account, you avoid submitting collections that were always going to fail.
This protects you from unnecessary failed-transaction fees, penalties and disputes, and keeps your collection success rate high. It's a small step at sign-up that saves significant cost and admin later on.
- ✓Verify details before collecting
- ✓Avoid failed-transaction fees
- ✓Reduce disputes & penalties
- ✓Cleaner customer data
Gym Access Control
Built for fitness businesses, Gym Access Control links physical access to membership payment status. If a member's account is up to date, they're granted entry; if payments have failed, access can be automatically restricted until the account is resolved.
This ties your collections directly to your front door, encouraging members to keep payments current and reducing the awkward manual conversations about overdue accounts. It's a practical "no pay, no entry" system that runs itself.
- ✓Access tied to payment status
- ✓Automatic entry restriction
- ✓Encourages on-time payment
- ✓Less manual follow-up
EFT Debit Order vs Registered Mandate vs DebiCheck
All three are debit order types recognised by PASA. They differ mainly in how the mandate is authorised and registered, when they're processed, and how strongly they're protected against disputes. Here's how they stack up.
| EFT Debit Order | Registered Mandate (RM) | DebiCheck | |
|---|---|---|---|
| How the mandate is authorised | Written, voice or electronic mandate held by you (not registered with the bank) | Mandate registered with the payer's bank (no payer authorisation) | Electronically confirmed by the payer with their own bank upfront |
| Registered with the payer's bank | No | Yes | Yes |
| Payer confirms upfront with their bank | No | No (bank notifies payer once registered) | Yes |
| Notification of mandate to the consumer | No — the consumer is not notified in respect of EFT mandates | Yes — the consumer is notified by their bank that a mandate has been registered | Yes — the consumer is notified by their bank for certain amendments to the mandate that do not require the consumer to authorise |
| Processing window | Late evening, after RM | Evening, before EFT | Earliest morning, after bulk credits |
| Credit tracking | None | Up to 10 days | Up to 10 days |
| Dispute protection | Standard dispute rules apply | Standard dispute rules apply | Strongest — authenticated debits non-disputable |
| Best suited to | Low-risk, established, recurring collections | Collections needing a registered, traceable mandate | Higher-value or higher-risk collections |
Many businesses use a mix — standard EFT for low-risk customers and DebiCheck where value or dispute risk is higher. Our team can help you decide.
Not sure which service fits your business?
Our team will help you find the right combination for how you collect.