1. ITS USER GROUP CONFERENCE Emperors Palace 2014
Company confidential - not for distribution

2. SA Payment Streams
Real Pay SA – Approved payment system operator (PASA)
NAEDO Non Authenticated Early Debit Orders
Bank participating:
ABSA, FNB, Standard Bank, Nedbank, Capitec, Mercantile,
Bank of Athens and Ubank
Regulatory requirements PSSF Affiliation - both System Operator and Users
Company confidential - not for distribution

3. Higher Education lnstitutions – CVP
Payment systems access
Cost efficiencies & convenience - University and Client
Integrated Solution for administrative products (ITS)
Full control & flexibility over transactions: resubmit, cancel, change pay dates and tracking (account monitoring)
Bulk editing functionality with submission capability
Advanced management information - Reports
First inline to collect promise to pays (soft collections)
Signed or Voice mandate required
Company confidential - not for distribution

4. Pay date driven collections
Tracking Breakdown: 1 2 3 4 5 6 7 8 9 10 14 21 32
Banks
Mon, 25 May
Tues, 26 May
Wed, 27 May
Times
All banks
NPS salary run
00H00 - ± 03h00
1st EDO run
03h00
FNB, ABSA
SBSA ,Capitec
Savings and Cheque
Permanent tracking
± 03h00
Onwards
Nedbank
Mercantile
Bank of Athens
2nd EDO run
17h00
Company confidential - not for distribution

5. 5 Step process – capture to reconcile
Bank Processing 1. 2.
Transaction Presentment to Bank 3. 5. 4.
Company confidential - not for distribution

6. RealPay/ITS High Level Transaction Flow1. 2.
Uploading of Payer Agreement
Company confidential - not for distribution

7. Uploading of Payer Agreement
Payment arrangement between Institution and payer is made to collect monthly fees owed.
Payment agreement voice/signed by the payer to consent future dated payments arranged.
Transactions then uploaded on the Real Pay Website
Transactions are loaded once off
Monitor and Edit transactions by monitoring the Real Pay Dashboard on a continuous basis.
Company confidential - not for distribution

8. 1. 3. 2.
Transaction flow Real Pay/Bank
Company confidential - not for distribution

9. Transaction flow Real Pay/Bank
Transactions are sent up to the Early Debit Order stream.
The requested transactions are processed via Bankserv.
Payments take place where transactions receive a successful or failed status depending on account status of payer.
Collected fees are then available in institution’s ABSA/FNB account within 24hours of successful collection.
Advanced management reports are available on the Real Pay website with regards to failed and successful transactions.
Company confidential - not for distribution

10. User submit a transaction
Presentment & Processing
User submit a transaction
Submit transactions
at least 15 hours in advance
or up to 8.5 years
MAX R15000 per instalment
Website reporting
User's
Acc
EDO world
User's
Acc
All transactions are randomised
BANK SERV

11. 1. 3. 2.
Real Pay/ITS Integration 4.
Company confidential - not for distribution

12. Real Pay/ITS Integration
Real Pay successful reports automatically uploaded on the ITS
administrative system .
ITS system will send an automated regarding transaction
status where the transaction will be inserted into the Student
debtor subsystem and the cash book system.
Reports are uploaded on a recurring basis into the ITS admin
system to ensure up to date student payment information.
Company confidential - not for distribution

13. 1. 3. 2. 4. 5.
Reconciliation
Company confidential - not for distribution

14. Reconciliation of Transactions
Unique identifier (contract sequence number) will be displayed on payer’s bank statement, Real Pay reports and Universities FNB/ABSA bank statement.
Contract Sequence Number automatically entered on the statement journal of the student.
Automation of above process is complete - integrated
Transaction result displayed on student’s account.
Company confidential - not for distribution

15. 5 Step process – capture to reconcile1. 2.
Transaction flow RealPay/FNB 3.
Bank
One reference number 5. 4.
Improved Cash Flow!
Company confidential - not for distribution

16. Advanced Management Information (Reporting)
Detailed 24 hour web based reporting exportable in Excel, PDF and CSV format to filter information effortlessly
Reports regularly updated slots 06h30, 07h30, 09h30,11h30, 15h30, 17h30 and 21h30 Daily – submission files sent up twice daily
Transaction history is kept online for unlimited period of time
Identify each payer through fast and easy customable reporting
Detailed reporting on all successful and failed transactions
Company confidential - not for distribution

17. Real Pay and your Educational Institution
Specialized Educational Focus
Proven track record within the Educational sector
Average successful collection rate of 85% +
Collected funds available in your account within 24 hours
Specialized relationship manager assigned to your institution
Presentation at regulatory levels throughout the industry
Don’t pay more for Less, pay less for more
Company confidential - not for distribution

18. Questions
Questions
Company confidential - not for distribution

19. Please contact us: Company confidential - not for distribution
Name: John Janse van Rensburg
Tel:
Fax:
Mobile:
Mail:
Company confidential - not for distribution