Spiriturge builds payments infrastructure for South Africa. QuickDebit (QD) is an adaptive, machine-learning collections engine. It predicts the right moment to debit each customer, scores every collection for risk before it is submitted, and learns from every outcome to lift your batch success rate over time.
QuickDebit replaces rigid debit-order runs with a configurable decisioning engine. Predictive retry timing reads each debtor's salary cycle and bank behaviour, so QD collects when the money is most likely to be there, and reroutes high-risk debits to smarter strategies before they fail. Every success and failure feeds back into the model to raise your success rate run after run.
Explore the engineStraightforward REST with idempotency keys and signed webhooks. Programmable debit orders, mandate management, failed-payment workflows and rich reporting, all in one platform. Build in sandbox, then go live without rewriting your integration. Integrate in hours, built to scale as you grow.
Four things every collections team cares about, now driven by a model that learns.
Explainable and governed. Every model decision is explainable and audit-trailed, operating inside the guardrails your team sets: retry caps, amount limits and the FAIS, FIC, COFI, POPIA and PASA rules the model must respect.
Process high volumes with idempotent APIs, batching and resilient retries that hold up under load, built to scale across high-volume collection runs.
Risk scoring on every debit before submission and predictive, per-debtor retry timing route high-risk collections to smarter strategies, recovering more revenue and lifting your successful-collection rate.
Real-time dashboards with reconciliation, exceptions and exportable statements your finance team will actually use, plus model insight into why each collection decision was made.
Everything from the first mandate to the final reconciliation, engineered for reliability and continuously tuned by machine learning.
Complete control over the customer-consent journey.
High-performance debit-order processing, driven by the model.
Never lose track of a cent with automated tracking.
Bank-level safety for your payment data.
Signals in, scored decisions out. The model learns from every collection.
Click any screenshot to take a closer look, then watch collections stream in live.
Real-time collection activity simulation
An illustrative feed of collection activity. Filters and speed are yours to control.
From subscriptions to lending, QuickDebit adapts to how you get paid.
One partner for recurring and one-off collections, with a consistent experience across channels and centralised reconciliation.
Reduce involuntary churn with predictive retries and ML-driven fallbacks that recover failed payments before they cost you.
Fund digital accounts on schedule with flexible limits, real-time webhooks and clear, exportable reporting.
Higher success rates, faster settlement insight and an API that fits your stack. We sweat the details so you can focus on growth.
Clean REST, idempotent by design and signed webhooks. Build against a sandbox, then go live without rewriting your integration.
Retries are safe by default. Repeating the same instruction never collects twice, so a timeout on your side is never a double debit on your customer's.
Verified, real-time notifications as collection statuses change, so your systems stay in step without polling for updates.
Build and test against a sandbox that behaves like the real thing, then move to production without rewriting your integration.
Pricing depends on your volume, your sector and your collection profile, so we quote it per client rather than publishing a rate card. A proposal takes one short conversation.
Collections, without the AI. The collection platform on its own, for teams that want dependable debit orders and no model choosing dates.
The AI decision engine is not included on Starter: no collection-date recommendation, no success scoring, no bank-statement ingestion.
Talk to salesThe same platform, plus the decision engine that picks the moment to collect.
The same software as Growth, on contractual terms built around your organisation.
As a South African payments provider, compliance and data protection are built into how we operate.
We process personal information lawfully and transparently under the Protection of Personal Information Act (POPIA). We collect only what is needed to operate collections, keep it secure, and honour access, correction and deletion requests. Bank details are tokenised and never shared beyond authorised payment processing. Data used to train and run our collection models is governed by the same principles.
QuickDebit is provided on a subscription and per-transaction basis as set out in your order and our service agreement. Debit orders are collected only against valid customer mandates, in line with PASA rules and applicable EFT/DebiCheck standards. Automated collection decisions operate within limits you configure and remain fully auditable. Fees, SLAs and acceptable-use terms are confirmed in writing at onboarding.
Data is encrypted in transit with TLS 1.3 and at rest. We follow PCI-DSS practices, enforce role-based access control, and maintain full audit trails, including a record of every model-driven collection decision. As a regulated financial services provider we align with FAIS, FIC, COFI and PASA obligations, with SOC-2 on our roadmap.
Prefer email? Reach us directly at boazj@spiriturge.co.za.
