I am under the impression that 3D secure is opt in by the merchant
3DSecure is not opt in in South Africa. It is mandatory for all eCommerce transactions. Please see knowledgebase article with more info here
If CD is not allowed in SA, is there a way to add + credit a bank account?
To credit a bank account, we have a payout system that we can give you more info on? You can also do this manually and upload a CSV file, make a payment for the total amount to be transferred, and we will split accordingly.
Some of the payment workflows our systems do cater for are not available in South Africa, for either integration or compliance reasons. This includes the CD (credit) payment flow.
What does DR refer to?
DR refers to a deregistration transaction. This is to delete a stored card token from our systems eg. when a customer needs to change or add new card details.