Mitigate risk
Access better data to select better quality applicants and vendors.
Improve cash flow
Collect payments faster with proven collection tools
Remain compliant
Simplify legal compliance throughout your organisation
Support decision making and unleash your cash flow potential
Navigating all of the challenges associated with running a business can be stressful. Not only is it of key importance to find the right employees, vet them and provide the correct legal documentation but it’s an ongoing process to ensure that your customer bills are paid in full and collected on time. Any issues with collections require careful legal consideration and understanding complicated credit scores is often difficult.
By accessing specialised profiling through TPN Credit Bureau, you will be able to screen debtors and vendors to mitigate risk, verify employee history and qualifications and upgrade your human resources documentation to remain compliant with the latest requirements in labour law. Get unlimited expert legal advice and support from the TPN Legal Team at a price you can afford and get back to running your business stress free.
Select the best applicant or vendor for your business
Applicant or vendor vetting
TPN Credit Bureau’s 8-in-1 SmartCheck provides a credit profile that includes an affordability assessment, traditional credit payment information, employment history, higher education qualifications through PURQ and our unique debtor payment profile to indicate a higher risk of poor service delivery or collections.
Identity verification
Combat identity theft and block fraudulent documents from slipping through in an application. Confirm whether an applicant is who they say they are by comparing a live photo with the Department of Home Affairs with real time Identity Biometrics. Recent amendments to the Financial Intelligence Act have placed an additional onus on businesses to verify the accuracy of collected documents with a third party.
Verified online bank statements (VOBS)
Eliminate the need for supporting documents by making it easier for clients to apply and harder for chancers to commit fraud. Verify an applicant’s income and their actual expenditure. Request 6 months’ bank statements directly from the applicant’s bank on the secure TPN Verified Online Bank Statements platform.
TPN SmartCheck®
TPN payment behaviour
TransUnion credit information
Verified employment data
Credit repayment profile
Deeds data on property ownership
Affordability check
Directorship and CPIC data
Qualifications on file
Change the way debtors prioritise your payments
- Payment collection
- Debtor payment profile
- Debtor Risk Monitor
Payment collection
Payment collection
Kick your collections off correctly with a legally compliant Letter of Demand that has an impressive impact on debtor payment behaviour.
Move forward knowing that courts across South Africa accept TPN Letters of Demand and TPN Letters of Cancellation as binding documents for all legal action.
Send your Letters of Demand via registered post, SMS and email directly from the TPN system.
Load a Negative Listing on the credit bureau at no cost. Negative Listings motivate debtors to settle their outstanding payments by lowering their credit score and making it difficult to transact with another business without settling their debt first.
Debtor payment profile
Debtor payment profile
Provide a powerful incentive for debtors to make account payments by rewarding positive payment behaviour with an improved credit record. Activate monthly SMS messages from TPN Credit Bureau to inform your debtors whether their credit profile has been positively or negatively affected by their latest payment – a free service that has changed the payment behaviour of hundreds of thousands of debtors.
The TPN Debtor Payment Profile is an indication of how a debtor’s account is paid. There are five Payment Profile flags:
Debtor Risk Monitor
Debtor Risk Monitor
Understand the real risk of your debtors for non-payment by viewing their Debtor Risk Monitor on the TPN System. Debtors are actively monitored monthly to empower you with up-to-date information on current risks right on your own dashboard.
Proactively identify debtors that are at risk of non-payment.
View individual risk profiles to select the most suitable collection tool.
Make the right decision when it is time to renew a contract.
Key facts
23K+
Users
3M+
Leases
150K+
Landlords
6M+
Tenants
Easily comply with the latest in legal requirements
HR Pack
Easily navigate complex national labour laws. The HR-Pack is specially designed to provide small to medium business owners with legally compliant documentation to cover every individual aspect of the employer-employee relationship. Receive labour related legal advice and all required documentation from job advertisements, grievance procedures and retrenchments to industry specific employment contracts and every eventuality in between.
eSignPlus
Securely create, sign, and track any number of documents digitally with immediate document status updates as you progress through the signatory journey. Store your signed agreements securely on the eSignPlus platform with no hidden costs. Eliminate the continual stress of ensuring that your branding remains consistent or that your team is using the most up-to-date version of a legal document, while securing the data that is processed in your business.
POPI Portal
Be guided in a simple, step by step process to become compliant with the Protection of Personal Information Act (POPIA) through a digital system developed with the property industry in mind. Identify what action needs to be taken on your own POPI-Portal dashboard for a full overview of inherent, behavioural, and residual risks that clearly outline the next compliance steps for your organisation.
Debtor Risk Monitor
Understand the real risk of your debtors for non-payment by viewing their Debtor Risk Monitor on the TPN System. Debtors are actively monitored monthly to empower you with up-to-date information on current risks right on your own dashboard. Proactively identify debtors that are at risk of non-payment, view individual risk profiles to select the most suitable collection tool and make the right decision when it is time to renew a contract.
