Netcash (formerly SagePay)

Netcash (formerly SagePay) is a leading payment processor in South Africa processing Debit Order charges from Bank Accounts and Credit Cards.

Please contact Netcash directly for information on their processing fees.

If you get stuck setting up Netcash in uCollect (the process can be a little convoluted) please don't hesitate to contact uCollect support. The process must be completed in this order:

Create your Netcash account (if you don' already have one) and set your settings
Create your uCollect account
Setup your Payment Gateway options in uCollect
Setup your Customers in uCollect
Setup invoicing in Xero
Get paid.

Please note that there is a debt collection service in South Africa and a banking service elsewhere in Africa that is also called Ucollect. We are not associated in any way to these other services and we existed before they did.

You can download the full implementation guide here.

Creating your Netcash Account

Please begin by emailing savashan.naidoo@netcash.co.za and advise that you want to integrate with uCollect. If you are not yet a Netcash user they will need to set up an account with you which may take a few days.

Once your account is setup and configured for integration you should receive the Merchant Account ID, Account Service Key and Debit Order Service Key. If you want to integrate with Credit Card Debit Orders you will also need the Vault Tokenization Service Key. If you want to be able to process one-off payments you will also need the PayNow Service Key. Make sure that you tell Savashan options you intend to use. You will need to enter these when setting up your gateway in uCollect.

All accounts will need to make a few setting changes in your Netcash account as follows:

Log into your Netcash account.
Go to Account profile, NetConnector, Debit Orders
Check the boxes for "Active" (if not already checked), "Postback url active", "Mandate Postback url active" and "Auto forward action date"
Paste this value into both "Postback url" and "Mandate Postback url": https://app.ucollect.biz/paynow/sagepay_paynow_trans_accept
Click Submit

Next, go to uCollect and start the process of setting up your account.

Register your user email address
Connect to your accounting ledger
Setup your billing and organisation profile
Set up your Gateway(s).

Setting up in uCollect

We support four different interfaces with Netcash:

Netcash Bank Debit Order will process scheduled Debit Orders against bank accounts. This gateway allows for online activation for automatic collection, but not for one-time payments. By default all items are processed through the 2-day process. If you want a Same Day payment click the Same Day link on the Search Contacts screen. This will send a batch to Netcash for SameDay processing that needs to be authorised before the cutoff time.
Netcash Credit Cards will process scheduled charges against credit cards. This gateway allows for online activation for automatic collection, but not for one-time payments.
Netcash PayNow One-off allows for one-time payments only. If you want customers to be able to use this option you need to setup this as a separate gateway option. The Bank Debit Order or Credit Card Debit Order gateways do not allow for one-time payment.
Netcash Invite eMandate allows you to use the eMandate feature in Netcash to send an invitation to the user. Once they have completed this process their contact will be assigned to the Netcash Bank Debit order of Netcash Credit Card Debit Order gateway option as appropriate. You should set this option up last.

You may need to install more than one gateway in uCollect depending on your needs. They will all share the same base credentials. To setup a gateway goto Edit, Organisation Settings, find the Gateways list at the bottom, and click "Add Another Gateway". Follow the instructions below for each gateway as appropriate. Please note that this part of the processes sets up the facility - to set individual customers look below for the "Managing your Customers" section.

If you are stuck please contact support using the support beacon bottom right of the page. This can be a little complicated!

Bank Debit Order

This option will process same-day or two-day Debit Orders against bank accounts. Pay Now or scheduled credit card transactions are not supported through this option. If you want two-day collection to be the default you need to ensure that "Always process as Same Day" is unchecked and "No of days in advance" is set to 3 or more. Even if your default is two-day you can manually initiate a same-day collection - see below.

Gateway: choose the “Netcash Bank Debit Order” gateway
Payment Reference: set to “DO”
Enter your credentials received from Netcash
Calculate Commission/Fees on Settlement: This option is not appropriate for Debit Orders as the Netcash fee varies based on your monthly activity. If you know that your fee will always be the same you can enter the amount of the fee (increase by 15% for VAT as our rates are tax inclusive)
Pay Now: you can activate this if desired – it will allow people to sign up for automatic Debit Order collection (but not one-off collection – this is covered by Pay Now below). For Description for Pay Now Service use “Bank Account Debit Order”

To have two-day processing as your default:

No of days in advance: set this to 3 or 4 (we don’t yet ignore weekends, so setting it to 4 will ensure that you load a payment in time over a weekend)
Always process as Same Day: leave unchecked

Using these settings all transactions will be processed as two-day collections and the collection date will be pushed out past the due date if necessary. If you want to process something as Same Day look for the "Same Day Payment" link in the Search Contacts screen (see more below).

To have same-day processing as your default:

No of days in advance: 0
Always process as Same Day: check

Using these settings all transactions will be processed as same day and NetCash will process them at the higher rate. Please ensure that your Automatic Processing Time (Organisation Settings, Edit Organisation) is no later than 13:00 (1pm).

Credit Cards

This option will process scheduled Credit Card payments. One-time Pay Now or scheduled bank account debits are not supported through this option.

Gateway: choose the “Netcash Credit Card” gateway
No of days in advance: set this to 0
Payment Reference: set to “CC”
Enter your credentials received from Netcash.
Calculate Commission/Fees on Settlement: If desired, you may set this to 2.3 (2.00 + 15% VAT) and 4.37% (3.8% + 15% VAT). Look for a contact called “Netcash” (if you don’t have one you should create one in your accounting system) and choose your appropriate expense account for merchant or bank fees and the appropriate tax rate (Standard Rate Purchases)
Pay Now: you can activate this if desired – it will allow people to sign up for automatic Debit Order collection using their credit card (but not one-off collection – this is covered by Pay Now below). For Description for Pay Now Service us “Credit Card”

Pay Now One-off Payments

This option only deals with one-time payments. The payment options are defined within Netcash, not uCollect. We simply direct your users to the Netcash payment page in order to to process the payments. You cannot use this option to set up future dated or automatic scheduled collection.

Gateway: choose the “Netcash Pay Now” gateway
No of days in advance: set this to 0
Payment Reference: set to “PayNow”
Enter your credentials received from Netcash
Calculate Commission/Fees on Settlement: This option is not appropriate for Netcash Pay Now as the fee varies.
Pay Now: You need to activate this. For Description for Pay Now Service use “One time payment”.

Invite eMandate

**NEEDS UPDATING**

uCollect Settings

Processing Time (Edit, Organisation Settings, Edit Organisation) should be set to no later than 16:00 (13:00 if you want to process same day batches). All batches need to be approved by the Netcash cutoff time (midnight for Two Day and 2pm for Same Day) or payment will be delayed.

Managing your Customers

The process for setting up your customers will depend on what payment data you already have from your customer.

Customer paying by Credit Card and already setup in Netcash

In the uCollect Search Contact screen find the contact and click on the edit icon to the right.
Choose "Netcash Credit Card" as the payment gateway

Customer paying by Bank Debit Order and you have written authority

In the uCollect Search Contact screen find the contact and click on the edit icon to the right.
Choose "Netcash Credit Card" or "Netcash Bank Debit Order" as the payment gateway as appropriate
Enter the payment account information and click Submit

You don't yet have payment data from the client

**NEEDS UPDATING**

When setting up your contacts in uCollect you have two options:

Select the Client ID. If your customer has already been setup in Netcash you can simply select them from the drop-down list.
Create Customer. You can click the “Create” link to add the details if they have not already been created in Netcash. You still need to ensure that you have the correct authorisation to set up the credit card/bank account in uCollect. We submit this data to Netcash which assigns an ID number. We do not store the account details in uCollect – we only store the ID Number from Netcash.

Managing your Collections

uCollect will automatically send collection requests to Netcash. The response we get for DO or CC transactions is NOT real time authorization – it is simply acknowledgement that Netcash has received the batch.

IMPORTANT: YOU MUST LOG IN TO NETCASH TO AUTHORISE THE BATCH. IF YOU DO NOT DO THIS BY THE CUT OFF TIME IT WILL TIME OUT.

If a payment fails after initial authorization uCollect is notified overnight and the payment will be adjusted based on the instructions in the gateway settings.

Important note on currencies: All transactions must be in ZAR.

Same Day Bank Debit Orders

NetCash supports both Same-Day and Two-Day processing for Bank Debit Orders. Same Day orders are charged at a higher rate. Unless you have chose the "Always process as same Day" option when setting up your Bank Debit Order gateway (see "Setting up in uCollect" above) we will process all transactions as two-day collection and push the collection date out if necessary.

If you want some customers on two-day and some on same-day you can create another instance of the Bank Debit Order gateway and configure them differently.

Even if you have configured the gateway for two-day processing, you can still manually push a payment as a same day payment (must be approved in Netcash by 2pm). To do this look on the Search Contacts screen. Any contact assigned to the Netcash Bank Debit Order gateway that has a balance due will have a "Same Day Payment" link beside it.

Clicking this link will allow you to select which invoice amounts (partial payments are allowed) to be processed as a Same Day payment.

Once the payment is created it is sent to Netcash immediately and you need to approve it in Netcash before 2pm. Each contact will be created as a new batch.

If you have several items that are due imminently you can use the Process Now function (Action menu) to manually initiate the collection cycle (rather than waiting for your automatic cycle to begin). If we detect that you have invoices in this batch that are due in less than 2 days we will prompt you. You can select individual invoices to be processed as a same-day batch and the rest will continue as a two-day batch.

Netcash Statement

You can download the Netcash Statement from the Reports menu. This report will allow you to export the report in a bank statement CSV file format. This allows you to import the statement into a Xero Bank account to make reconciling easier.

Known Issues

uCollect only supports a single gateway for each contact. Therefore you need to decide in advance whether you want same-day or two-day processing for each contact (Bank Debit Orders only). If you choose two-day processing you can always manually trigger a same day payment (see above).

If you have customers that want to do Same Day Bank DO on demand (e.g., they call you to tell you to charge their account today) then set them up using the Bank Debit Order gateway but set the Collection Status (click on the contact from the Search Contacts list, Contact tab) to “Installments Only.” When they call authorising a charge you can manually trigger a same day payment (see above). If this happens a lot with multiple clients then you should set up a Same Day gateway and assign the contact to this gateway. When they call use an installment dated for today. Then you can run all your same day payments in a single batch using the Actions, Process Now screen.

Your Two Day Bank Debit Order request needs to be authorised in Netcash 2 banking days prior to the due date. To ensure this you should set the Number of Days in Advance setting in the Gateway Settings to at least 2 (4 will be better so as to avoid weekends). We do not currently factor in non-banking days into this calculation.

If you are using Repeating Invoices in Xero you need to ensure that you your Due Date is at least 4 days after your Invoice Date for your Two Day Bank DO clients. If you don’t, uCollect will trigger a two-day payment on the invoice date which will be actioned on the second banking day following.

Error: Action date is not valid for this instruction

Your batch has been loaded with an action date (collection date) less than the required 2 days in advance. This error can be avoided by ensuring that your Netcash account is set to "Auto forward action date". Contact Netcash support for more information.