Starter
R0/mo
Test the waters. Ideal for pilots & PoCs.
- Up to 300 debits / month
- Standard mandates
- Sandbox & live keys
- Email support
SPIRITURGE • SOUTH AFRICA
Secure, scalable debit order collections for modern businesses.
Spiriturge builds fintech products for Africa. Our flagship product QuickDebit (QD) powers compliant, reliable debit order collections for SMEs, enterprises, financial institutions, and subscription platforms. Designed for velocity, built for trust.
Bank-grade security
Real-time reconciliation
API-first
FAIS, FIC, COFI, POPI, PASA compliant
QuickDebit
QuickDebit offers programmable debit orders, mandate management, failed‑payment workflows, and rich reporting. Integrate in hours, scale to millions of mandates.
Recurring collections, mandates, and smart retries — built for SMEs and enterprises that want predictable cash flow.
Boost collection success and get paid faster with automated reconciliation, exception workflows, and crystal‑clear reporting.
SEPA-style mandates
Webhook events
Batch & real-time
Role-based access
Developer-first
Simple integration
POST /v1/mandates
Authorization: Bearer <API_KEY>
{
"customer": {"name": "Boaz Matuso", "bank_account": "XXXX-XXXX-1234"},
"debit_order": {"amount": 499.00, "reference": "GYM-SEP-2025", "collection_date": "2025-09-28"}
}
Integrate via straightforward REST with idempotency keys and signed webhooks. Use our JS patterns or plain HTTP; batch via secure SFTP when needed.
Spin up in sandbox, then go live with the same endpoints. Roles, audit trails, and retry‑safe semantics are built in.
JS SDKREST & WebhooksSandbox
Product pillars
What makes us different
Compliance & Trust
South Africa–ready mandates, audit trails, and robust controls to meet enterprise expectations.
Performance at Scale
Process high volumes with idempotent APIs, batching, and resilient retries.
Smart Collections
Automate retries, partials, and reminders to lift your successful collection rate.
Clear Reporting
Real‑time dashboards with reconciliation, exceptions, and exportable statements.
QuickDebit in detail
Capabilities & Use Cases
Core capabilities
- Mandate lifecycle: create, activate, pause, cancel with audit trails.
- Collections: one‑off or recurring debit orders with smart retry logic.
- Reconciliation: real‑time statuses, exceptions handling, and exports.
- Notifications: webhook events for mandate and collection changes.
- Reporting: dashboards, CSV exports, and scheduled reports.
Integration options
- REST API (idempotent POSTs) & Webhooks.
- Batch files via secure transfer (SFTP) for high‑volume runs.
- Web dashboard for operations and finance teams.
- Sandbox environment for rapid testing.
Reliability & security
- Idempotency keys, exponential backoff, and circuit‑breaker retries.
- TLS in transit; encryption at rest; role‑based access control.
- Detailed audit logs and least‑privilege access patterns.
- Service health monitoring and alerting.
Who it’s for
- SMEs offering credit/subscription services.
- Large enterprises & financial institutions with high volumes.
- Retailers with frequent customer collections.
- Subscription platforms (gyms, utilities, digital services).
QuickDebit
Deep dive: mandates, collections & reconciliation
Mandate types & lifecycle
- Create, activate, pause, resume, and cancel mandates with full audit trails.
- One‑off and recurring collection schedules with flexible references.
- Versioned updates to payer details and consent metadata.
- Bulk import/migration for existing mandates (CSV/SFTP).
Collections & smart retries
- Queue collections individually or in batches.
- Configurable retry strategies with idempotent POSTs.
- Automatic status updates and exception routing.
- Clear references for finance and customer support workflows.
Statuses & webhooks
- Key events:
mandate.created,mandate.updated,debit.scheduled,debit.succeeded,debit.failed. - Signed webhook deliveries with retries and replay protection.
- Reconciliation‑ready payloads for downstream systems.
Dashboard & reporting
- Operations dashboard with filters and drill‑downs.
- Exceptions inbox and guided resolution steps.
- CSV exports and scheduled report delivery.
See it in action
Screenshots & live event stream (demo)
Live event stream (simulated)
Shows typical webhook‑style activity as your system processes mandates and collections.
Tip: events include
debit.scheduled, debit.succeeded, and debit.failed. Click a line to expand payload.How QuickDebit works
- Capture customer consent and create a mandate.
- Schedule one‑off or recurring debit orders against the mandate.
- QD posts webhook events as statuses change.
- Reconcile using dashboards and exports; retry failures as needed.
API‑first
Batch & realtime
Audit trails
Solutions
Built for your business model
Unified commerce
One partner for online and in‑person payments. Consistent experience across channels with centralised reconciliation.
Recurring collections
Reduce churn with multiple collection methods and automatic fallbacks to avoid failed payments.
Top‑ups & wallets
Fund digital accounts instantly with flexible limits, webhooks and clear reporting.
Designed for enterprise
Scale, reliability and support
- White‑glove onboarding and dedicated support channels.
- Idempotent APIs, batching and resilient retries.
- Granular roles and audit trails for every change.
POPIA‑aware processing
PCI‑DSS practices
SOC‑2 ready (roadmap)
Why teams choose Spiriturge
Higher success rates, faster settlement insights and an API that fits your stack. We focus on the details so you can focus on growth.
180 ms
median API
24/7
monitoring
99.9%
uptime (demo)
Developers
API-first by design
REST endpoints
POST /v1/mandates POST /v1/debit-orders GET /v1/customers?email=...
All POSTs support Idempotency-Key. Webhooks: mandate.created, debit.succeeded, debit.failed.
Quick start
curl -X POST \
https://api.spiriturge.co.za/v1/mandates \
-H 'Authorization: Bearer <API_KEY>' \
-H 'Content-Type: application/json' \
--data '{{"customer":{{"name":"Boaz Matuso","bank_account":"XXXX-XXXX-1234"}}, "debit_order":{{"amount":499.00,"reference":"GYM-SEP-2025","collection_date":"2025-09-28"}}}}'
Spin up in sandbox, then go live with the same endpoints.
Pricing
Simple, transparent fees
Pick a plan and scale. No hidden surprises.
Most popular
Growth
R299/mo
Everything you need for production scale.
- Unlimited mandates
- R2.50 per successful debit
- Smart retries & failover
- Dispute handling included
- Priority email support
Enterprise
Custom
Tailored pricing for volume and SLAs.
- Volume-based debit fees
- Dedicated success manager
- Custom webhooks & SLAs
- 24/7 on-call
- White-label options
Prices VAT-exclusive. Dispute & failed debit management included in Growth and Enterprise.
| Item | SME | Enterprise |
|---|---|---|
| Setup | R0 | Custom |
| Monthly | R299 | Custom |
| Per debit (EFT) | R2.50 | Volume-based |
| Failed debit handling | Included | Included |
| Dispute management | Included | Included |
Privacy
Our privacy promise
We collect only what we need to run QuickDebit and support you: account details, billing info, and usage logs. We never sell personal data.
- Access & deletion requests via boazj@spiriturge.co.za
- Data stored in reputable cloud providers with encryption at rest and in transit
- Retention aligned to legal and accounting requirements
Terms
Simple terms of use
- Use the service lawfully and don’t abuse API limits
- Fees are as published; enterprise terms override published fees if agreed in writing
- Service is provided “as is”; we aim for high availability but disclaim consequential loss
- You’re responsible for mandate compliance and customer consent
Security
How we protect your data
- TLS 1.2+ everywhere, keys rotated regularly
- Role-based access controls and least-privilege
- Audit logs for sensitive operations
- Webhooks with signed payloads and idempotency