Collect Once.
Pay Everyone.
EFT & DebiCheck collections — split and settled automatically
One debit order comes in. Debella splits it between everyone it belongs to and pays each party into their own bank account — reconciled to the cent. Built for any business that shares a payment, in any industry.
- POPIA compliant
- Bank-grade encryption
- DebiCheck ready
Collections run on all major South African banking rails
Collect. Split. Settle.
Set up your split rules once. From then on, every collection runs the same three-step pipeline — automatically, every time.
Collect
Debit orders are raised and submitted to the banks on your schedule — standard EFT or DebiCheck-authenticated mandates.
Split
The moment a collection succeeds, the split engine divides it by your rules — percentages, fixed amounts or remainders, across any number of beneficiaries.
Settle
Each beneficiary is paid into their own bank account, and every cent is reconciled against the bank statement — with a full audit trail.
One Payment In. Any Number of Payouts Out.
Define who gets what — once. Percentages, fixed amounts, tiers and remainders. Every successful collection is then divided and paid out automatically, with rounding handled to the cent.
- Percentage, fixed-amount & remainder rules
- Unlimited beneficiaries per collection
- Rounding-safe allocation — every cent accounted for
- Per-beneficiary payout statements
- Automatic clawback on failed or disputed collections
- Configurable per product, per customer or per order
Split Rules — Standard Product
Applied to every successful collection — rounding-safe to the cent.
Your Entire Collection Cycle. On Autopilot.
From mandate to money out, the pipeline runs itself — scheduling, submission, retries, splitting, payouts and reconciliation, with people only needed for the exceptions.
- Automated scheduling & submission engine
- Smart retry management for failed collections
- Real-time status tracking on every transaction
- Exception queue for anything that needs a human
- Instant SMS & email notifications
- Full REST API for your own systems
Today's Pipeline
Built for Anyone Who Splits a Payment
If money comes in by debit order and more than one party has a claim on it, Debella fits. These are just the flows we see most.
Insurance & Brokers
Premiums collected once, then split between underwriter, broker and administrator — compliantly, every month.
Lending & Credit
Instalments divided between capital, interest, fees and collection partners the moment they land.
Property & Rentals
Rent collected from tenants, split between landlord, managing agent and maintenance fund automatically.
Schools & Education
Fees split across campuses, transport, aftercare and third-party providers — one debit, clean books.
Gyms & Memberships
Membership billing shared between franchise, head office and trainers — without a single spreadsheet.
Franchises & Agencies
Collect at the centre, settle to every branch or agent by their own rules — each with their own statement.
…And Any Flow We Haven't Met Yet
Percentages, fixed fees, remainders, tiers — if you can describe the split, the engine can run it. One collection in, everyone paid out.
Everything Between the Mandate and the Money Out
A complete toolkit for modern debit order management — from mandate creation to multi-beneficiary settlement and full reconciliation, built for South African banking rails.
DebiCheck & EFT Processing
Full support for DebiCheck authenticated debit orders and traditional EFT collections via all major South African banks.
N-Tier Payment Splitting
Split every collection across any number of beneficiaries — partners, agents, funds and fees — with configurable rules and per-payout reconciliation.
Real-Time Tracking
Monitor every transaction as it happens. Live dashboards, instant status updates, and exception alerts keep you in control.
Automated Reconciliation
Daily reconciliation against the bank statement with full audit trails. Export to Excel or PDF, or pull it straight through the API.
Smart Retry Logic
Intelligent retry scheduling for failed collections, respecting bank windows and retry rules to maximise collection success rates.
API-First Integration
Full REST API for seamless integration with your CRM, ERP, or billing system. Comprehensive documentation and sandbox environment included.
Ready to Stop Moving
Money by Hand?
Join the South African businesses using Debella to collect, split and settle in a single run. Start with a free consultation — we'll map your money flow with you.