# Going live (/docs/direct-debit/going-live)

Requirements and timeline for launching debit order collections in production.

## Prerequisites [#prerequisites]

Before going live, ensure you have:

- Confirmed processing model (SO, TPPP, or TPPP-Hybrid)
- Completed KYB (Know Your Business) and KYC (Know Your Customer) processes
- Authorised PASA-approved abbreviated name and/or profile code
- Signed MSA (Master Service Agreement) including:
- Transactional and service pricing
- Approved processing limits

## Processing Models [#processing-models]

### System Operator (SO) [#system-operator-so]

Best for: **Large corporations**

A non-bank entity providing services for payment instructions. Funds settle directly to your nominated bank account.

**Requirements:**

- Standard Bank account
- Standard Bank profile code and credit limits
- PASA vetting and abbreviated name approval
- End-to-end testing

**Timeline:** ~8 weeks

### Third-Party Payment Provider (TPPP) [#third-party-payment-provider-tppp]

Best for: **Small to mid-size businesses**

Accept and hold funds for on-payment to third parties. Faster time to market.

**Requirements:**

- Any bank account
- Precium-approved credit limits
- PASA vetting and abbreviated name approval
- End-to-end testing

**Timeline:** ~3 weeks

### TPPP-Hybrid [#tppp-hybrid]

Best for: **Mid to large corporates seeking fast market entry**

Same as TPPP but collected funds settle into your own bank account.

**Requirements:**

- Standard Bank account
- Precium-approved credit limits
- PASA vetting and abbreviated name approval
- End-to-end testing

**Timeline:** ~3 weeks

## Time to Market [#time-to-market]

### SO Model [#so-model]

| Requirement | Timeline |
|---|---|
| Standard Bank account | 4-6 weeks |
| Approved credit limits (Standard Bank) | 2-4 weeks |
| Profile code creation and testing | 4-6 weeks |
| PASA vetting and abbreviated name | 2-3 weeks |
| End-to-end testing | 8 weeks |
| **Total** | **~8 weeks** |

### TPPP Model [#tppp-model]

| Requirement | Timeline |
|---|---|
| Any bank account | 0 weeks |
| Approved credit limits (Precium) | 1 week |
| PASA vetting and abbreviated name | 2-3 weeks |
| End-to-end testing | 2 weeks |
| **Total** | **~3 weeks** |

### TPPP-Hybrid Model [#tppp-hybrid-model]

| Requirement | Timeline |
|---|---|
| Standard Bank account | 2-3 weeks |
| Approved credit limits (Precium) | 1 week |
| PASA vetting and abbreviated name | 2-3 weeks |
| End-to-end testing | 2 weeks |
| **Total** | **~3 weeks** |

<Callout type="info">
Note: Platform providers can only use the SO model.
</Callout>

## Documentation Requirements [#documentation-requirements]

### Business Structure [#business-structure]

| Document | Notes |
|---|---|
| Nature of business | e.g., Insurer, Media, Financial Institution |
| Company CIPC registration | --- |
| Proof of business address | Not older than 3 months (lease, municipal statement) |
| SARS Income Tax / VAT registration | --- |
| Director resolution | On letterhead, signed by all directors, nominating authorised signatory |
| Company shareholding structure | --- |
| Copy of ID (signatory/directors/CEO) | --- |
| Signatory proof of address | Not older than 3 months |
| Key contact phone number | --- |
| Key contact email address | --- |

### Banking Information [#banking-information]

| Document | Notes |
|---|---|
| Current bank | --- |
| Proof of bank account | For settlement, not older than 3 months |

### Collection Processing History [#collection-processing-history]

*If currently processing debit orders:*

| Information | Notes |
|---|---|
| Current client/subscriber base count | e.g., 140,000 |
| Current processing bank | --- |
| Current processing model | SO/TPPP |
| Payment methods required | EFT debit order, DebiCheck, EFT payments |
| Statement from current processor | --- |
| Unique descriptor/short code | Displayed on customer statements |
| Current/expected payment volumes | Monthly count |
| Total payment limit required | R'000 |
| Average monthly payment value | R'000 |
| Batch limit request | R'000 |
| Minimum payment value | R'000 |
| Maximum payment value | R'000 |

### Settlement Options [#settlement-options]

| Information | Notes |
|---|---|
| Settlement frequency | Daily/Monthly |
| Split settlements required | Multiple bank accounts |

## PASA Requirements [#pasa-requirements]

### Abbreviated Name [#abbreviated-name]

Your abbreviated name:

- Appears on customer bank statements
- Must be unique and PASA-approved
- Maximum 10 characters
- Should reflect your trading name

### Registration [#registration]

All TPPPs must be registered with a clearing participant. Verify your registration status at [PASA Authorisations](https://www.pasa.org.za/authorisations).

## Acquiring Bank [#acquiring-bank]

Currently, Precium supports debit order collections through **Standard Bank** as the acquiring bank.

SO and TPPP-Hybrid processing models require merchants to open a **Standard Bank account** for settlement purposes.

## Go-Live Checklist [#go-live-checklist]

### Technical Readiness [#technical-readiness]

- Completed all sandbox testing scenarios
- Tested webhook integrations
- Implemented error handling
- Set up monitoring and alerting
- Documented integration in your systems

### Business Readiness [#business-readiness]

- Staff trained on debit order processes
- Customer support prepared for mandate queries
- Mandate templates meet PASA requirements
- Dispute handling process documented
- Reconciliation process established

### Compliance [#compliance]

- Mandate storage solution in place (7-year retention)
- PASA rules understood and documented
- Privacy policy updated for debit order processing

## Production Credentials [#production-credentials]

When ready to launch:

1. Contact your Precium account manager
2. Complete final compliance review
3. Receive production API credentials
4. Update application configuration:

```bash
# Production authentication endpoint
https://prod-payce.auth.eu-west-1.amazoncognito.com/oauth2/token

# Production API endpoint
# Provided by Precium upon approval
```

## Post Go-Live Support [#post-go-live-support]

### Monitoring [#monitoring]

- Monitor collection success rates
- Track unpaid and dispute rates
- Review reconciliation status daily

### Support Channels [#support-channels]

- Technical issues: Contact Precium support
- Business queries: Contact your account manager
- Emergency: Escalation contacts provided at go-live

## Contact [#contact]

To initiate the go-live process:

- **Email**: support@precium.com
- **Sales**: Contact your Precium account manager

<Callout type="info">
Tip: Reach out early to avoid delays. The sooner you start the onboarding process, the faster you can go live.
</Callout>