Client onboarding,
end to end.
Send your client a link. They complete their own details and documents; eFICA verifies, screens and risk-rates against your matrix — and your team makes the onboarding decision. Available as a platform or straight through our API.
Pay as you go. Zero monthly fees, zero subscription fees, zero user fees.
accountable institutions across South Africa run their FICA obligations on eFICA.
Five steps, one auditable workflow
Every step timestamped, every decision reasoned and recorded for the FIC and your inspectors.
The client does the work: your branded link collects their own details and documents — individuals, entities and trusts. No email ping-pong, no re-typing.
ID, address and entity verification against authoritative local sources, in seconds.
Sanctions, PEP and adverse media on the client and every UBO — local and international coverage, screened daily.
Your own Risk Matrix — your factors, bands and scores — applied automatically and recorded.
Your team makes the onboarding call, then eFICA carries the ongoing due diligence, audit trail and FIC-ready reporting.
Your client builds the file. You make the call.
One link gathers the information and the documents and starts building the client profile.
So the profile and a provisional risk rating are already built by the time the file reaches you. Open it, run the screening, and make the onboarding decision — the judgement stays with your team.
We build the organogram and identify the UBO.
Shareholders, trusts and nested layers are mapped to your rule set — and where the same person turns up in more than one place in the structure, eFICA recognises it as one beneficial owner.
Every FICA step, in a single platform
One client link runs verification, document collection, screening and risk rating — and lands on your desk as a decision.
Clients complete their own FICA in minutes, from any device.
Identity, address and document verification against live source data.
Sanctions, PEP and adverse media, scored against your own risk matrix.
Every step retained and audit-ready for your FIC Act obligations.
Automation does the checking. Your team does the deciding.
Machine checks run on every client, every day. People are pulled in only where judgement is actually required — which is where the cost savings come from.
Send one link. The client completes their own details, documents and answers in a branded portal on their phone — chasing and reminders included. Your team checks the result and decides.
Every uploaded document is checked for tampering, mismatched metadata and re-used templates before it reaches your file.
Sanctions, PEP and adverse media through an international data supplier — clients screened against local and global lists, and re-screened daily rather than once.
Your risk factors, bands and scores, applied automatically to every client and recorded with the outcome — so an inspection has an answer.
Build the shareholding structure as deep as it actually goes, walk it to the natural persons behind it, and verify and screen each one in the same pass.
Trigger onboarding, verification and screening from your own system and read verified data, screening results and risk ratings straight back into it.
South African rules. Global screening coverage.
eFICA was built in South Africa by a compliance team, for accountable institutions answerable to the Financial Intelligence Centre — and screening runs through an international data supplier, so every client is checked locally and abroad.
Not our risk appetite.
Yours — to the letter.
Most platforms hand you a fixed risk model and ask you to live with it. eFICA is built the other way round: your RMCP is the specification, and the system is shaped to match it precisely.
Amend the risk factors, the weighting, the scores and the band thresholds so the rating reflects what is actually risky in your business.
Decide which documents a client must produce at each risk level. High risk asks for more, automatically, without anyone remembering to ask.
Add your own questions to the workflow — asked of the client in the portal, or of your own staff internally — and feed the answers into the rating.
A documented API lets you trigger onboarding, verification and screening from your practice management or origination system and read the results back.
Customisable to suit YOUR business — because your RMCP is the one you have to defend.
Pay per search. Priced on your volume.
No platform fee, no seat licences, no minimum term. You pay for the searches you run, and the rate per search improves as your monthly volume grows.
Every verification, screen and report is a line item you chose to run. Quiet month, small invoice.
Tell us roughly how many clients you onboard a month and we quote the rate card against that volume. It drops as you grow.
Zero monthly fees, zero subscription fees, zero user fees. Add your whole team without adding cost.
Included at every volume: unlimited users, the client link and portal, your own Risk Matrix, configurable due diligence, ongoing monitoring, full audit trail, API access and support from a compliance team in South Africa.
Book your demo in under a minute.
No forms to fill in, no endless clicks, no waiting around for a reply. Pick a time that works for you straight from our live schedule; your invite and confirmation land in your inbox right away.
Practical sessions. 45 minutes. No sales pitch.
Live sessions on FICA obligations and what is new on the platform, run by our compliance team.
Cannot make a date? Register anyway and we will let you know when the next session is scheduled.
What changed, and what it means for your file.
FIC directives, guidance notes, enforcement trends and the fraud typologies we see coming through the platform — written for compliance officers, not lawyers.
Get the monthly FICA update — directives, enforcement news and fraud patterns, in one email. No marketing.
A compliance team, not a software team that read the Act once.
Three founders — strategy, law and operations — who use the platform they built.
As Founder and Strategic Director of eFICA, Peter helps South African accountable institutions cut through the complexity of FICA, AML and KYC compliance with technology that actually makes sense.
His focus is bridging the gap between what the regulator requires and what a business can practically do. Through eFICA's pay-as-you-go platform, he helps FSPs, fiduciary businesses, property practitioners, attorneys, accountants and other accountable institutions meet their obligations — without the headache or the hefty price tag.
You'll probably meet Peter early on: he personally handles onboarding for every new client, walking each one through a live demo so they know exactly how the system works from day one. And when he's not talking compliance, he's most likely on two wheels somewhere off the beaten track — off-road motorcycling is where he's happiest, though he promises eFICA's onboarding is a far smoother ride.
As Co-Founder and Legal & Compliance Lead, Melissa makes sure eFICA does exactly what the law says it should — and then some. An admitted attorney focused on FICA, AML and KYC, she translates dense regulatory obligations into clear, workable processes that businesses can actually run with.
Melissa leads the build behind eFICA, drives its future innovation, and owns every compliance-related corner of the business. If it touches regulation, it crosses her desk.
Outside of work, her days are happily dictated by two small children and a deep love of the outdoors. A nature lover and wildlife enthusiast at heart, she's most content when there's fresh air and something wild to spot.
As Co-Founder, Waynne is the steady hand keeping eFICA's engine room running. He looks after the behind-the-scenes operations that keep the business ticking over — from financial management and keeping accounts in order to making sure every process runs exactly as it should.
Drawing on his experience in fiduciary services and business operations, Waynne ensures the foundations are solid so the rest of the team can focus on clients and growth. If it keeps the business running smoothly and sustainably, it's on his radar.
When the laptop closes, you'll find him with his family — ideally somewhere in the Kruger National Park, where the only onboarding involves a pair of binoculars.