Dashboard
Every rand that comes in already knows what it is paying for.
Mokoena Bester Wolmarans Inc.
MID 4098 2213
Awaiting payment
R 1 144 500
3 open requests
Collected this month
R 9 617 300
41 payments received
Unallocated
R 0
Every receipt carries its reference
Verified counterparties
24
FICA current, AVS matched
Why unallocated sits at zero. The reference is generated by the platform and locked into the payment instruction before it leaves. The payer cannot overwrite it, so nothing arrives that has to be identified by hand two days later.
Open requests
| Counterparty | Matter | Reference | Rail | Amount | Status |
|---|
Verified counterparties
Checked once, reusable for every payment after that.
| Name | ID number | Bank account | Status |
|---|
Add a counterparty
FICA capture runs against the bureau, sanctions lists and the bank in one pass.
Create a payment request
The reference is built here, not typed by the payer.
Rails offered to the payer
DO
Mandated debit order Recommended
Payer authorises once, funds are pulled on the agreed date. Works on every bank account, unlike DebiCheck.
CD
Card payment link
Routed through the best-priced rail at the moment of payment. Payer keeps their card rewards.
EF
EFT with locked reference
Pre-filled beneficiary and reference. The payer cannot type their own name into the reference field.
Payment reference
Platform
Firm
Matter
Party
Check
Five segments, one mod-97 check digit. A transposed digit fails the check before the money moves, and the reference resolves to exactly one matter.
What happens next
Once the request is created:
✓Payer receives the link by SMS and email
✓Reference is locked into the instruction
✓Settlement routed to the trust account86(2)
✓Ledger line opens against the matter
What the payer sees on their phone
Payment requested by
Mokoena Bester Wolmarans
Transfer duty — Erf 1182 Rivonia
R 185 000.00
Powered by Referent
The firm's name leads. Referent appears once, at the foot. The payer is a client of the attorney, not of us — and the reference field is not an input, so the receipt arrives already matched.
Received
R 9 617 300
Month to date
Matched automatically
100%
No manual allocation
Audit exceptions
0
Nothing unresolved beyond 30 days
Reconciliation
| Date | Reference received | Matter | Counterparty | Rail | Amount | Match |
|---|
Built for the audit, not just the payment. Every line ties a receipt to a matter, a verified payer and the FICA pack captured at onboarding. The trust audit becomes an export, not an investigation.