FAQ
Straight answers for finance operators
Straight answers on DebiCheck settlement, multi-tenant isolation, integrations, Book NAV, onboarding and compliance for vehicle finance operators.
PaymentsWhose bank account do payments settle to?+
Yours. Debit orders run through your NetCash profile and settle directly into your bank account — never Rent 2's. We orchestrate the workflow; we do not hold customer funds.
SecurityIs my book isolated from other lenders on the platform?+
Yes. Every tenant is isolated in application code (and optionally with Postgres row-level security). Credentials are encrypted per tenant. Nothing is co-mingled across books.
IntegrationsDo I keep my own NetCash, CarTrack, Firma and bureau accounts?+
Yes. You connect your own credentials so contracts, rates and commercial relationships stay yours. Integrations run live when configured and use safe stubs when credentials are absent.
ContractsWhere do signed agreements live?+
In your own tenant storage. After signing completes, the signed PDF is retained for your book and removed from the signing provider where the integration supports it — for POPIA hygiene.
ProductCan I start with only part of the lifecycle?+
Yes. Switch on the modules you need today — for example origination and e-sign first — and add collections, telematics or dealer seats as your book grows.
AnalyticsHow do I know what my book is actually worth?+
A double-entry customer ledger posts on invoices, payments, fees and write-offs. A provisioning run derives expected credit loss, and Book NAV plus per-deal 360 views give a figure you can trace entry by entry.
OnboardingHow long does onboarding take?+
We scope that with you in the demo. It depends on book size, which integrations you connect, and how much of your existing process you want mirrored on day one.
PaymentsWhat is DebiCheck and how does Rent 2 use it?+
DebiCheck is South Africa's authenticated debit-order framework. Rent 2 manages mandates and collection workflows via NetCash so instalments can be collected under authenticated rules — still settling to your account.
ComplianceIs Rent 2 a registered credit provider or bank?+
No. Rent 2 is software for finance providers and operators. You remain the principal on agreements, collections and regulatory registrations that apply to your business model.
SecurityDo you claim ISO 27001 or SOC 2 certification?+
No. Controls are mapped to common frameworks (including ISO/IEC 27001 Annex A themes and SOC 2 criteria) and hardened in product, but we do not claim formal certification. Ask for the current security summary in due diligence.
CommunicationsIs WhatsApp required?+
No. WhatsApp Business messaging is optional and config-dependent. SMS and email cover many of the same journey points when you prefer those channels.
IntegrationsIs Seriti required?+
No. Seriti HFA is an optional integration for originators who already use that channel. Core Rent 2 application, contract and collections flows work without it.
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