Real Pay Namibia – December 2018 Newsletter

Namibia | December 2018

Dear Valued Client

Thank you

As the year winds down, we take this opportunity to thank you for choosing us as your service provider and giving us the opportunity to grow. None of our achievements would have been possible without you and your unwavering support.

A message from our Managing Director – Pieter Swanepoel

The evolution in the payments industry continued during 2018 and intensified particularly at the policy and regulatory levels.  Central to the evolution is the role of non-banks and the transformation of industry towards greater access and participation making both for increased innovation and competition.

Real Pay remained actively involved in industry driving thought leadership and shaping the future of the payments industry. Its participation in the payments strategies of Namibia (Vision 2020) and South Africa (Vision 2025) bear testimony of its commitment to industry.

Our customers remain central to our business strategy and the initiatives we undertake. Given our understanding of and participation in strategic payments initiatives our customers benefit not only from the most advanced payments solutions but also find themselves in a sterling position at the forefront of new payments technology.  To this end and in line with industry time lines Real Pay went live with DebiCheck in August 2018 offering all three mandatory transaction types and a multiple and innovative payments initiation options. Similarly, in Namibia Real Pay is aligned with industry time lines and EnDO ready.

In the year ahead, our focus will remain on ensuring a smooth transition to the new payments architecture.  We are motivated by the approach of our customers through their participation in testing and piloting of the new technology. The learning already informing change and ensuring readiness throughout the value chain within which we operate.

The dawn of the Financial Sector Regulation requires Real Pay and its customers to continue its focus on market conduct requirements and maintaining regulatory compliance levels at all times.  In particular, achieving compliance with the rules and requirements of debit order use remains a pre-requisite for continued participation in the NPS.

As we advance through the fourth industrial revolution, Real Pay remains committed to provide the new and innovative payments solutions fast, optimising technology in line with global trends and supporting our customers with payment strategies suited to their business models and industries they serve.

Please contact or your relationship manager, should you have any queries.

December operating hours

The Real Pay office will close on 21 December 2018 and reopen on 2 January 2019.
True to our commitment toward our Users, our support staff will still be available throughout the holidays for any urgent enquiries:

Tel: +27 (0) 12 347 0729
24h Support: +27 (0) 83 230 3847

Enhanced Debit Orders (EnDO) 

Real Pay, pursuant of its vision to be Africa’s preferred and leading payment stream service provider distinguished by our people, approach and client partnerships, is excited to be part of the evolution of the Namibian payments industry.

Our excitement emanate from the soon to be announced enhancements to the electronic funds transfer system (EEFT) and enhanced debit orders (EnDO).  As you are aware Real Pay had been part of this industry initiative from inception and continues to keep its Users updated on its progress.

The Payment Association of Namibia (PAN), in partnership with the banking institutions and payments system providers in Namibia, will introduce the brand-new solution EEFT compromising of three new payments streams:

  • Enhanced Debit Orders (EnDO)

allows for early-morning debits from all major banks in Namibia. If paying customers do not have sufficient funds in their accounts at the time of collection, the debit order will automatically and systematically be resubmitted for a specified tracking period;

  • Enhanced Credit Payments (EnCR) 

allows for bulk beneficiary payments instructions; &

  • Near-Real-Time Credits (NRTC) 

allows for beneficiary payments instructions in a short amount of time.

The EnDO project is in the UAT (User Acceptance Testing) phase between  all banks, and is due to roll out in mid 2019. Real Pay has since launched the EnDO abbreviated short name incentive to link our User’s to FNB for the purpose of being EnDO ready.
The abbreviated short name is a mandatory field reflecting the User’s trading name on the bank statement of the consumer.

Should you have any further queries regarding EnDO, please contact Darius de Waal at

Warm wishes for the Festive Season

May the magic and the wonder of the holiday season stay with you throughout the coming year
Our best wishes for a happy new year filled with health, happiness, and spectacular success.

Please contact or your relationship manager, should you have any queries.

Real Pay Team


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