Digital Agreements.
Verified Signatures.
Complete Control.

SignMateSA brings secure document preparation, electronic signing, verification and tracking together in one streamlined platform.

Built for the Debt Mate Group: Erase Debt SA, Debt Mate, Legacy Debt Solutions, Credit Dispute Resolvers.

SignMateSASM-1042

Debit order mandate

Signed electronically
  1. Link opened on the client’s phone14:02
  2. Identity verified with a one-time code14:03
  3. Signed, fingerprint stored14:06
  4. Audit event linked to the chain14:06

One platform for the whole life of a document

Sales agents, administrators, managers and QA reviewers work on the same record, each seeing only what their role and scope allow. Nothing is retyped between systems, and every step leaves a trace.

  1. 01Create
  2. 02Populate
  3. 03Verify
  4. 04Approve
  5. 05Send
  6. 06Deliver
  7. 07Open
  8. 08Sign
  9. 09Validate
  10. 10Store
  11. 11Synchronise
  12. 12Audit

How electronic signing works

The client needs a phone and a browser. There is no app to install and no account to create.

  1. 1

    A secure link arrives

    The link is unique to that document, works once and expires after 72 hours.

  2. 2

    The client confirms who they are

    A one-time code is entered before any of the document is shown.

  3. 3

    They read the document and its disclosures

    Laid out for a phone screen, with their own details already filled in.

  4. 4

    They sign with a finger

    And type their full name to confirm the signature is theirs.

  5. 5

    Both sides get certainty

    The signed document, its fingerprint and the consent are stored, and the sale shows as signed.

Digital mandates that land on the right merchant

A mandate is generated from the sale the agent already captured. The company, the service and the NuPay merchant are resolved from approved, versioned rules before the client sees anything.

  • Client and payment details fill in from the captured sale. Nothing is retyped or invented.
  • A sale can have only one live mandate, so a second click cannot create a duplicate.
  • Every routing decision records the sale, the rule, the rule version and who decided.
  • A sale the rules do not cover stops in a review queue. It is never guessed.
Routing decision for one sale
Captured sale
Debt review removal, team captured as “CASA”
Confirmed alias: CASA is CRSA
Service rule applies before the team rule, under rule version 1
Resolved merchant
DM 1•••• ••• ••••
No matching rule? The sale goes to the review queue and waits for a person with authority.

Document templates under version control

Wording is drafted, authorised by a second person and then published. Documents already prepared keep the version they were made with.

  • Digital sales mandateVersioned
  • Power of attorneyVersioned
  • Negative-listing dispute statementVersioned
  • Debt review removal documentationVersioned
  • DHS Service agreementVersioned

Several brands, one set of controls

Each brand keeps its own templates, teams and reporting. Staff are scoped by brand, branch, team and agent, so a consultant at one brand cannot open another brand’s client.

Debt Mate Group
  • Erase Debt SA
  • Debt Mate
  • Legacy Debt Solutions
  • Credit Dispute Resolvers

Further group brands can be added without rebuilding the platform.

Delivery and tracking that only reports what happened

A document is marked sent when a link is issued, delivered only when a provider confirms it, and signed only when the client has signed. An attempted send never counts as a delivery.

Email, WhatsApp, SMS and MADIR-assisted sending are each switched on only after the provider, the permission rules and the delivery events have been verified.

  1. Prepared
  2. Approved
  3. Sent
  4. Provider accepted
  5. Delivered
  6. Opened
  7. Verified
  8. Signed
  9. Completed
  10. Expired
  11. Failed
  12. Cancelled

An audit trail that cannot be quietly edited

Each event records who acted, in what role and scope, on which client and document, and through which channel. Events are append-only, and every one carries a fingerprint of the event before it, so a change anywhere breaks the chain.

Dashboards that answer the next question

Agents see their own sales and what still needs them. Managers see their teams, where mandates stall and which sales are waiting on QA. Every figure opens the records behind it.

Security and access controls

Controls are enforced on the server and in the database. Hiding a button is never the control.

Least privilege by role

Nine roles, from sales agent to super user. Creditor callers have no access at all.

Scoped to brand, branch, team and agent

Applied by row-level security in the database, on every query.

Export restricted to the super user

Refused by the server and again by the database for everyone else.

Masked identity and banking details

ID numbers, bank accounts and merchant numbers are masked on screen and kept out of logs.

Sessions that end

Server-side sessions expire when idle, and a disabled account is signed out on its next request.

Signing links that cannot be replayed

Single use, time limited, and closed after repeated wrong codes.

Frequently asked questions

What is connected today?

Staff sign in, capture clients, prepare documents and have clients sign on their phones. Automatic sending by email, WhatsApp and SMS, and the links to the sales portals, ControlMate and NuPay, are not connected yet, so staff send signing links themselves. Inside the platform each of these is labelled as pending.

Is an electronic signature enough for every document?

It depends on the document. Some agreements carry specific signature requirements, so each template goes through legal review before it is used with clients. SignMateSA records what was signed, by whom and when, to support that review.

What does a client need in order to sign?

A phone with a browser. They open the link, enter a one-time code, read the document and sign with a finger.

Can a mandate go to the wrong merchant?

Merchant routing follows approved, versioned rules and records every decision. If a sale does not match a rule, no mandate is created and the sale waits in a review queue.

Who can see a client’s documents?

Only staff whose role and scope cover that client’s brand, branch and team. Sales agents see their own sales. Every view of the audit log is itself limited by scope.

What happens if a client does not sign?

The link expires after 72 hours and the document shows as expired. A new link can be issued, which closes the old one.

Request a demonstration

Tell us who you are and how to reach you. The Debt Mate Group team will walk you through the platform.

Operated by
Debt Mate Group
Based in
Durban, KwaZulu-Natal, South Africa