Schemes
DebiCheck
Schemes
Safer, mandate-approved collections
DebiCheck is PayInc’s scheme for processing debit orders, where a valid mandate must exist for the payer’s account to be debited before the payment itself may be processed.
As long as the payee entity requests payment from the payer's account, where a valid and authorised mandate is stored, payments can be processed normally. If no valid mandate can be found, then any payment request will be rejected outright.
Authenticated Collections (AC) is the debit order payment stream associated with DebiCheck. Initially, it temporarily accommodated electronic mandates that have not been authenticated (the Registered Mandate Service (RMS). In 2025, the RMS capability was formalised and separated as the Registered Mandate (RM) system, which collects later in the day than DebiCheck.
As with EFT, PayShap, and RTC, all AC transactions are processed via PayInc. In the case of DebiCheck, transactions fall into two main categories, namely, mandate management and collections.
Electrum’s Solution
How Electrum solves for DebiCheck
Electrum DebiCheck is a reliable platform for banks to process DebiCheck transactions with PayInc. Built specifically to combat the challenges of DebiCheck, Electrum offers both creditor and debtor banks a full, modern, local solution.
Consisting of two modular layers, Mandate Management and Collections, various components provide you with purpose-built, future-fit processing capabilities.
Scalable and reliable processing built for your bank
Reduce processing inefficiencies with an ISO 20022, scheme-first design
Complete observability of your system - as a priority
Save time and effort with effective troubleshooting and improved visibility
An improved collections experience to keep and win corporate clients
Let your corporate clients collect funds without friction
Confidently operate a robust, purpose-built collections system
Easier Mandate Management
Electrum’s Mandates Engine handles all gateway processing with PayInc, including scheme rules and window management, and message processing.
The built-in Mandate Register stores all mandates and manages their lifecycles.
Electrum integrates with your bank’s internal systems to support the required management functions end-to-end.
Seamless Collections
Electrum’s Collections Engine performs all gateway processing with PayInc, including scheme rules and window management, and message handling.
During collections processing, the engine validates mandates by retrieving the required data from the Mandate Register.
The Collections Warehouse stores all collections, tracks their processing state, and supports functions such as retries (“tracking”), disputability determination, and operational visibility.
Electrum integrates with your bank’s internal systems to support postings, reconciliation, and full end-to-end processing.
Trusted Implementation
Electrum’s Solution
Complete observability
Make informed business decisions with detailed reporting and analysis tools
Get a complete view of system health with full transaction lifecycle visibility
Handle high volumes and meet SLAs with improved insights and reliable processing
