Why is it important to credit check prospective customers?


credit-check-signThe importance of knowing the credit worthiness of new customers cannot be emphasised enough.

It is undeniably important any business to have customers – whether it be individual consumers, other businesses or suppliers – but it is even more important that the customers you do business with are reliable when it comes to paying you for the services or products you tender.

And, while it may seem counterproductive – even absurd – to turn business away, the value of having quality, paying customers who settle their bills on time, cannot be compared to the value (or lack thereof) of having customers who become a burden because they are constantly defaulting on payments.

The bottom line is, you should never be afraid to turn non-creditworthy customers away because, at the end of the day, it is your company’s bottom line that is on the chopping block.

No business – no matter how big or small – can afford to jeopardise profits. In fact, bad debt and cash flow issues have been positioned as the two main reasons start-ups and small businesses fold.

You also need to be aware that, legally, if you either fail to carry out a credit check or you decide to give a non-creditworthy candidate the green light, you have no recourse down the line should they default on payment and, inevitably, your best option would be to write the debt off.

So, without question, it pays to do your homework. In fact, the advantages of carrying out thorough credit checks go beyond just protecting your profits. The process also allows for intensified sales efforts overall, as these can be confidently spent on the right kind of client, the kind that will add to your income – and not take away from it.

pbVerify offers a range of B2B and B2C Credit Risk Management tools for any size business in South Africa that grants credit. For more information visit our products page HERE

pbVerify intros new verification product


pbVerify Consumer Marriage Status reportSA’s leading data bureau has added the Consumer Marital Status Report to its suite of credit vetting products.

In the name of protecting your organisation and potentially saving it huge amounts of money, it is imperative that you, as a credit-granting facility, carry out thorough credit checks on new customers.

That is why – as part of our ongoing quest to place all the tools our customers need to manage their credit risk at their fingertips – pbVerify has introduced a new credentials verification product – the Consumer Marital Status Report*.

This latest addition, which forms part of pbVerify’s comprehensive Business to Consumer (B2C) and Business to Business (B2B) credit check suite, allows pbVerify users to quickly and accurately verify the names and identity number of any consumer’s spouse.

While the Consumer Marital Status Report comes primarily in response to our clients’ need to authenticate the marital status of an applicant requesting a financial service, it is also a very useful tool for tracing agents, who may need to access spouse details of customers in default.

All the user needs to access the marital details of the applicant in question, is the applicant’s name, surname and 13-digit South African identity number. These details are then checked against Home Affairs data, after which the system returns the marital details, including the applicant’s spouse’s (if any) first name, surname and identity number.

*The Consumer Marital Status Report costs R7.50 – or 75 pbVerify credits – and is available after registration to any business that grants credit to other businesses or consumers.

For more information on pbVerify’s suite of B2B and B2C credit risk management products click HERE.

New partnership simplifies company registration process


company-registration-MalaysiaCompany and domain names can now be registered as one, making it easier for companies looking to manage credit risk to access pbVerify’s full suite of services.      

A recent partnership between three South African agencies, allowing company and domain names to be registered together, has streamlined the process of registering local companies and, in turn, of accessing pbVerify’s suite of verification products.

Earlier this month it was announced that the Companies and Intellectual Properties Commission (CIPC), the ZA Domain Name Authority (ZADNA) and the ZA Central Registry NPC (ZACR) had collaborated to make it possible for new companies to register with the commission and claim a parallel co.za domain name at the same time.

The move will not only give new companies greater control over their intellectual property, it also significantly simplifies the process of acquiring unique online credentials – a requirement for access to many professional services, including pbVerify’s credit vetting products.

Daily online news portal, SME South Africa, cites ZACR CEO Lucky Masilela as saying the three-party agreement enables new enterprises to protect their fledgling online identities. “This innovative offering seamlessly combines the offline and online worlds in a way that provides total convenience and protection for start-ups.”

Credit management services

pbVerify is South Africa’s leading data bureau, offering small-to-medium enterprises (SMEs) and corporates all the information needed in order to make informed, intelligent business decisions to the end of mitigating credit risk.

The easiest way to verify businesses, people and property in South Africa, pbVerify’s suite of credit management services includes business credit checks, CIPC business and director searches, Home Affairs ID verification, SARS advanced VAT verification and bank account verification – among others.

Minimum requirements for companies seeking full access to pbVerify’s services are: a business email address; a business landline number and valid business registration details pertaining to an active business.

Now, thanks to the CIPC, ZADNA and ZACR partnership, companies can quickly and painlessly ensure they are able to tick all the above boxes.

Masilela describes the partnership as a “a fantastic example of domain name space pioneering coupled with out-the-box thinking in the area of public-private partnerships” and says the organisation is looking to launch further services for new enterprises, start-ups and other commercial users in future.Masilela describes the partnership as a “a fantastic example of domain name space pioneering coupled with out-the-box thinking in the area of public-private partnerships” and says the organisation is looking to launch further services for new enterprises, start-ups and other commercial users in future.

For more information on pbVerify’s services call 010 300 4898 or send an email to support@pbverify.co.za.



SME South Africa – Attention Startups! Company and Domain Names Can Now be Registered Together


Clean air, longer life


breathe easy indoorsExtend your life expectancy by cleaning the indoor air you breathe with an air purifier.

You eat well, don’t smoke, exercise fairly regularly and drink alcohol in moderation – and yet, some days, you feel like you’ve been hit by a large bus.

Sound familiar?

Because air pollutants are often not visible to the naked eye, many of us don’t realise just how debilitating poor quality indoor air can be on the human body – but the effects of indoor air pollution should not be overlooked. They range from short-term afflictions – like eye, nose and throat irritations – to more serious long-term effects like respiratory disease and even cardiovascular conditions.

And, while we may think we can eliminate common culprits like pet dander, dust, smoke and mould spores by keeping a clean home or office, the fact is that dusting and vacuuming are simply not enough to remove all these daily pollutants from the air we breathe.

But fret not, because it’s not all doom and gloom for those after a life of health and longevity in a world where clean air seems like an unattainable ideal – help is at hand.

Think of air purifiers as pollution-busting superheroes – except these clean air crusaders are by no means fictitious or out of reach – they are practical, affordable and dependable devices that have been proven to improve and lengthen lives, if not save them.

Air purifiers work by way of HEPA (high-efficiency particulate air) filters that clean and purify the air that is circulated – and that you breathe daily – indoors. HEPA filters physically trap the tiny particles that vacuum cleaners and other cleaning equipment merely recirculates into the air.

A health must-have in your home or office, air purifiers not only clear airborne bacteria quickly and quietly, they are also very effective in the removal of odours, allergens and other pollutants that are inevitably present in indoor air. In fact, research has shown that HEPA filters remove about 99.9% of dust particles and impurities from the air.

According to The New York Times, studies have found improved air quality has prevented tens of thousands of premature deaths from heart and respiratory disease. Simply put, “Clean air, longer life” (Harvard Magazine).

The conclusion: air purification equals the removal of impurities…equals clean air…equals better health…equals longer life.

So you have to ask yourself, can you afford not to invest in an air purifier?

For information on pbOffice’s range of air purification systems, visit our Air Purifiers web page, or call 010 300 4893.

Optimise your business mail system with a Relay inserter


Relay 1000When it comes to the mail you send out to customers, time and cost savings are just two of the many ways in which your business can benefit from a quality inserter.  

pbOffice, a division of customer communication firm PBSA, has just introduced a new, improved range of mail inserters, serving mailing needs from small- to large-scale. Read more about the new Relay range of inserters, manufactured by Pitney Bowes, HERE.

Wondering why you should invest in an inserter for your business in the first place?

Before going into the huge advantages an inserter can bring your business in terms of productivity, efficiency and professionalism, it is important to note that traditional mail as a means of engaging customers is far from dead.

On the contrary, traditional mail has been widely advocated as the most effective means of communication. People have a strong sense of nostalgia when it comes to physical mail and – if done properly – this means of communication and marketing can really help your business stand head and shoulders above the rest.

Mail folding and inserting machines not only give your business mail the professional touch, they also ensure the right mail gets out on time, to the right customer – and far more speedily and painlessly than with a manual system.

If you are sending mail out the manual way, your process probably goes something like the time-consuming and tedious process outlined below:

  1. Gather all printed documents, inserts and outer envelopes.
  2. Manually fold documents, trying to make them look as professional and neat as possible.
  3. Select and include all the necessary inserts, checking and double-checking these are all in the correct order.
  4. Manually insert the documents and inserts you just put in order into envelopes.
  5. You are now ready to mail the one piece of mail you just prepared (but you probably have hundreds more to go).
  6. Put plasters on your paper cuts.
  7. Repeat

With a Relay inserter, this could be turned into a simple, speedy and precise process – like the one below:

  1. Load documents, inserts and envelopes.
  2. Select job on keypad.
  3. Stand back as the machine prepares the job.
  4. Ready to mail.

But time-saving is just one of the many advantages that comes with investing in a Relay inserter for your business.

An inserter will also allow you to correspond with your customers more regularly; easily add revenue-generating inserts; improve the security of mail with envelopes that stay sealed; align mailing addresses for a precise fit in envelope windows and deliver frequent promotional mailings.

If you are a business that regularly communicates with customers via mail, a Relay inserter is not just a luxury – it is a must-have.

Relay inserters are machines you can stake your business on.

For more information call 010 300 4893.


PBSA upgrades to Relay inserter range


Relay 3000 & 4000The customer communication firm has just launched a new suite of mail folding and inserting machines that will fit any size business’ needs.

Being a company that believes in moving with the times – and bringing its customers only state-of-the-art technology – PBSA has upgraded its folding and inserting machines to the Relay range from global technology company Pitney Bowes.

The move gives pbOffice – the division of PBSA that provides automation solutions to serve mailing, marketing and communication applications for small and medium-sized enterprises – the ability to better serve its customers by being able to more accurately align machine specifications to specific application needs.

Quieter to operate and more aesthetically pleasing, the new Relay inserter range is more office-friendly. More importantly though, the Relay ranges drives higher performance, increasing productivity and allowing you to focus your time and energy on driving your business.

The Relay range of inserters comes with a number of vital features and scores of benefits. These state-of-the-art machines come with guarantees of:

  1. Data protection for your customers: This is an invaluable benefit, especially given the country’s personal information laws (does the term POPI Act ring any bells?).
  2. More productivity, less wasted time & money: Relay inserters offer a proven, easy-to-use platform that delivers fast, accurate and affordable mail assembly.
  3. 100% Accuracy – every time: The Relay range of inserters was specifically designed to deliver accurate, reliable processing of mail – so you can be confident your mail is not only getting out on time, but the right information is getting to the right customer. Every time.
  4. Ease of use: Even if you’re not technically inclined, you can be up and running with your Relay inserter in no time, ensureing your monthly mail gets out quickly and easily.
  5. Customisation: You shouldn’t have to tailor your mail programmes to the limitations of your equipment. With the Relay range of inserters, you have the ability to process various sizes of letters with the option of processing flat-sized envelopes or mailers.

For more information and model specifications relating to the various machines offered by pbOffice, click on the links below:

For more information on pbOffice products and services call 010 300 4893.

Mining and the air you breathe – how you can mitigate the health risks


coal mining pollutionThe effects of mining on human health are shocking. Take control of the air you breathe indoors with an air purification system.

South Africa is a mining mecca and, while the country’s mining riches may be great for the economy, the same cannot be said for our health.

Fortunately, however, the serious health risks associated with mining pollution – as outlined in this article, below – can be considerably mitigated by purifying the indoor air you breathe at home and at work with a good quality air purification system.

pbOffice, a division of PBSA, offers a range German-made air purifiers, humidifiers and combo units to serve all household and business premises indoor air purification requirements. Designed and manufactured by Ideal in Balingen, Germany our state-of-the-art devices work on a multi-stage air purification system, which filters almost 100% of pollutants from the air before they reach your lungs.

Mining in South Africa and your health

The adverse effects of mining activity on human health – and the environment at large – is a stark reality that environmentalists, politicians and civil activists alike have been trying to grapple with for years now. Unfortunately, it is a reality we cannot escape.

South Africa – the world’s third largest coal exporter – is also home to a host of other minable minerals, including diamonds, gold, platinum, palladium, chromium, uranium, manganese, ilmenite, zirconium, vanadium, rutile and vermiculite.

Over the past few months there has been a heightened focus on the effects of coal mining, in particular, on human health. In September, UK-based air quality and health expert Dr Mike Holland visited South Africa and uncovered some shocking air quality issues surrounding the country’s coal-mining activities.

According to Holland, air pollution from coal-fired power stations kills more than 2 200 South Africans and causes thousands of cases of bronchitis and asthma in adults and children every year. The accumulative monetary damage to the economy – which includes healthcare costs and lost working days – is more than R30-billion a year.

The recent visit follows in-depth research undertaken by Holland last year. Commissioned by local non-profit environmental justice service groundWork, Holland’s findings are contained in a report entitled Health impacts of coal-fired power plants in South Africa.

Shocking figures

These are some of the estimated annual impacts Holland attributes to air pollution from the burning of coal in South Africa:

  • 2 239 deaths – 157 from lung cancer, 1110 from ischaemic heart disease, 73 from chronic obstructive pulmonary disease, 719 from strokes, and 180 from lower respiratory infection
  • 2 781 cases of chronic bronchitis in adults
  • 9 533 cases of bronchitis in children aged 6 to 12
  • 94 680 days of asthma symptoms in children aged 5 to 19
  • 2 379 hospital admissions
  • 3 972 902 restricted activity days (all ages)
  • 996 628 lost working days

On 26 September 2017, the South African Medical Research Council released research findings on Air Quality and Human Health in South Africa that corroborate the gravity of the situation, as laid out in Holland’s reports.

The council report outlines how air pollution plays a direct role in a number of adverse health conditions in adults and children, and points out that the situation is only set to worsen, due to climate change.

The report highlights indoor air as one of the biggest culprits in its report background: “In 2015, 6.4 million deaths (and 167.2 DALYs*) were attributed to air pollution globally. Household air pollution accounted for 2.8 million of these deaths [and] ranked [as the] 7th leading risk factor attributing DALYs globally in 2013.”

Reduce your risk

There is an often-quoted statistic that indicates many adults spend up to 90% of their time indoors, between home and the office.

What’s worse, is that children are now starting to spend more time indoors in South Africa too. Earlier this year, in February, Stats SA’s Victims of Crime survey revealed that most South Africans spend less time in public open spaces or allow their children to play outside for fear of crime.

When you consider that some studies have shown indoor air to be two to five times more polluted than the air outside, it is clear that it is the indoor air that we breathe which should be our first line of attack when it comes to defending our – and our children’s – lungs.

And this goes for office workers, too. According to research conducted by the University of California’s Lawrence Berkeley National Laboratory, employers can improve workforce performance by up to 10% through improvements in the quality of indoor air.

Air purifiers have been proven to limit the risks of illness caused by airborne pollutants by eliminating the vast majority of airborne substances that are a danger to our health and well-being, and cleaning the air we breathe.

In light of our environmental circumstances, never has it been more crucial than it is today, to ensure air we take into our lungs on a daily basis – both at home and at work – is clean. Invest in your health today, by investing in an air purifier.

For more information on the various Ideal models and features, visit our Air Purifiers web page or call 010 300 4893.


* The disability-adjusted life year (DALY) is a measure of overall disease burden, expressed as the number of years lost due to ill-health, disability or early death.


  1. Wikipedia – Economy of South Africa
  2. Wikipedia – Mining industry of South Africa
  3. co.za – Effects of Mining on the Environment and Human Health
  4. ee Publishers – Air pollution from coal power stations deadly
  5. Dr Mike Holland – Health impacts of coal-fired power generation in South Africa (PDF)
  6. South African Medical Research Council – Air Quality and Human Health in South Africa (PDF)
  7. Huffington Post – How employee productivity chokes on indoor air
  8. EPA’s report on the Environment – The importance of indoor air quality
  9. Sandton Chronicle – Stats SA – South Africans spend more time indoors because of crime