Spiriturge · Payments infrastructure · South Africa

Debit orders, collected by a model that learns.

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.

FAIS FIC COFI POPIA PASA DebiCheck EFT PCI-DSS TLS 1.3 SOC-2 roadmap
QuickDebit

An AI collections engine, not a fixed schedule.

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 engine
Developer-first

Create a mandate in one call.

Straightforward 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.

Mandate management Signed webhooks Batch & real-time Role-based access
Explore the API
spiriturge.co.za/mandates
Mandates Engine active COLLECTED TODAY R 1 284 500 SUCCESS RATE 96.4% ACTIVE MANDATES 5 130 CUSTOMER AMOUNT RECOMMENDED DATE STATUS Thandi Nkosi R 499.00 25 Sep · payday +1 Succeeded Sipho Dlamini R 289.00 27 Sep · salary cycle Succeeded Lerato Mokoena R 199.00 01 Oct · retry window Retrying Johan van Wyk R 1 099.00 28 Sep · payday Scheduled Dates recommended by the decision engine · every choice explainable and audit-trailed
Product pillars

What sets QuickDebit apart

Four things every collections team cares about, now driven by a model that learns.

Compliance & trust

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.

Performance at scale

Process high volumes with idempotent APIs, batching and resilient retries that hold up under load, built to scale across high-volume collection runs.

Smart collections

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.

Clear reporting

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.

The QuickDebit engine

Enterprise-grade collection infrastructure

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.

  • Real-time creation & activation
  • Versioned consent metadata
  • Pause, resume or cancel anytime
  • Bulk migration from legacy systems

High-performance debit-order processing, driven by the model.

  • One-off and recurring schedules
  • Predictive, ML-driven retry timing (per debtor)
  • Risk scoring before every submission
  • Idempotent API processing
  • Automated exception routing

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

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
MODEL score · time · retry

Signals in, scored decisions out. The model learns from every collection.

See it in action

Dashboards built for finance teams

Click any screenshot to take a closer look, then watch collections stream in live.

Live event stream

Real-time collection activity simulation

bash — event-monitor

An illustrative feed of collection activity. Filters and speed are yours to control.

How QuickDebit works

  1. 1 Capture customer consent and create a mandate.
  2. 2 Schedule one-off or recurring debit orders against the mandate.
  3. 3 The model scores each debit and posts signed webhook events as statuses change.
  4. 4 Reconcile using dashboards and exports; failures retry automatically at the predicted best moment.
API-first Batch & realtime Audit trails
Solutions

Built for your business model

From subscriptions to lending, QuickDebit adapts to how you get paid.

Unified commerce

One partner for recurring and one-off collections, with a consistent experience across channels and centralised reconciliation.

Recurring collections

Reduce involuntary churn with predictive retries and ML-driven fallbacks that recover failed payments before they cost you.

Top-ups & wallets

Fund digital accounts on schedule with flexible limits, real-time webhooks and clear, exportable 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

Higher success rates, faster settlement insight and an API that fits your stack. We sweat the details so you can focus on growth.

POPIA-aware processing PCI-DSS practices SOC-2 ready (roadmap)
180 ms
Median API response
99.9%
Uptime (demo)
24/7
Monitoring
R4.9m
30-day demo volume
Developers

API-first by design

Clean REST, idempotent by design and signed webhooks. Build against a sandbox, then go live without rewriting your integration.

Idempotent by design

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.

Signed webhooks

Verified, real-time notifications as collection statuses change, so your systems stay in step without polling for updates.

Sandbox to production

Build and test against a sandbox that behaves like the real thing, then move to production without rewriting your integration.

Plans

Pick the capability. We price it in a conversation.

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.

Starter

Collections, without the AI. The collection platform on its own, for teams that want dependable debit orders and no model choosing dates.

  • Mandates, debit orders and retries
  • Exception handling and settlement visibility
  • Reporting, webhooks and the API

The AI decision engine is not included on Starter: no collection-date recommendation, no success scoring, no bank-statement ingestion.

Talk to sales
Enterprise

The same software as Growth, on contractual terms built around your organisation.

  • Everything in Growth
  • Dedicated onboarding and integration assistance
  • Service-level agreements and 24/7 support
  • Commercial terms matched to your volume and sector
Talk to sales
Contact

Talk to sales

Prefer email? Reach us directly at boazj@spiriturge.co.za.

We'll reply within one business day. Mon–Fri, 08:00–17:00 SAST.

Collections that learn. Revenue that follows.

Put an adaptive, explainable collections model to work on your debit orders, governed by rules your team controls.

Talk to sales