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DEBIT ORDERS
- Debit Order Covid-19 Consumer Infographic - Managing your debit orders
PASA offers some insight on how to manage your debit orders during the Covid-19 lockdown.
Debit Order Covid 19 Consumer Infographic
- Changemakers in the National Payment System - the next chapter
Our Expert Analysis on Combatting Debit Order Abuse:
This paper positions the work of the mavericks, mobilisers and mentors that set out to thoroughly understand and solve some of the pain points in the debit order sphere. The journey thus far required full transparency and accountability of various stakeholders as well as a holistic, integrated and cross-sectoral approach. The outcomes and impact of these changemakers lead to the creation and implementation of agile and responsive practices that consistently mitigate criminal activities, while minimising problematic consumer behaviour
Changemakers in the National Payment System – the next chapter
- Our Expert Analysis on Combatting Debit Order Abuse
This paper positions the work of the mavericks, mobilisers and mentors that set out to thoroughly understand and solve some of the painpoints in the debit order sphere. The journey thus far required full transparency and accountability of various stakeholders as well as a holistic, integrated and cross-sectoral approach. The outcomes and impact of these changemakers lead to the creation and implementation of agile and responsive practices that consistently mitigate criminal activities, while minimising problematic consumer behaviour.
PASA – Combatting Debit Order Abuse
- Thembeka - Honour your Debit Order
Most consumers agree that debit orders are a convenient way to make payments. But, the debit order system has had a number of challenges over the last couple of years and PASA, with the payments industry, has been working hard to make the system more efficient. Currently, we are busy exploring improved ways to protect you from unauthorized debit orders as well as to help you better understand your rights and obligations regarding debit orders.



Low Value Debits
A debit order collection is a transaction whereby collectors can collect money from a payer’s bank account without the payer having to do anything other than having given such collector approval to do so. Debit order collection are widely used to collect monthly premiums on life and investment policies, mortgage and car payments, medical aid subscriptions, magazine, and TV subscriptions, etc. It provides the payer with a cost effective and very convenient means of making payments.
(Proposed that the term “debit order” be included in the Glossary. Description as per rules to be included as description there : e.g. : (“including debit when used as a noun”) means a mandated payment instruction from the User to a Bank, presented in the form of an electronic record, to collect money from a customer; e.g. insurance premiums, unit trust investments, hire purchase payments, rentals, etc.)
Characteristic | Stop Order | Debit Order |
Type | Credit Push | Debit Pull |
Mandate | Held by the issuing / | Held by the third party beneficiary |
Amount | Fixed | Flexible |
Item or transaction limit | R 5 million | R 500 000 |
The granting of a mandate by a payer to a collector constitutes a formal agreement between the payer and the collector to allow the collector to collect money from a payer’s bank account , and the payer would be obliged to honour the agreement in terms of common law principles by doing the following:
Ensure that money is available in the account of the payer to meet the obligation (the payer need to ensure when signing a mandate that it is for a date when there will normally be money in the account)
Payers must make alternative arrangements with collectors, should money not be available in the payer’s account to allow for the debit order collection as per the agreement between the payer and the collector.