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.
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. Spin up in sandbox, then go live with the same endpoints.
JS SDK
REST & Webhooks
Sandbox
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.
The QuickDebit Engine
Enterprise-grade collection infrastructure
Mandate Lifecycle
Complete control over the customer consent journey.
- Real-time creation & activation
- Versioned consent metadata
- Pause, resume, or cancel anytime
- Bulk migration from legacy systems
Smart Collections
High-performance debit order processing.
- One-off and recurring schedules
- Intelligent retry logic (exponential backoff)
- Idempotent API processing
- Automated exception routing
Real-time Reconciliation
Never lose track of a cent with automated tracking.
- Signed webhook event delivery
- Instant status updates
- Reconciliation-ready CSV exports
- Full audit trails for finance teams
Security & Compliance
Bank-level safety for your payment data.
- TLS 1.3 encryption in transit
- POPIA-aware data handling
- Role-based access control (RBAC)
- Circuit-breaker stability patterns
See it in action
Visual Interface
Management Dashboards
Live Event Stream
Real-time webhook activity simulation
bash — event-monitor
Click an event to view the JSON 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": {...}, "debit_order": {...}}'
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
| 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 |
Prices VAT-exclusive. Dispute & failed debit management included in Growth and Enterprise.
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)