The ARUDD Report

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The ARUDD Bacs report is triggered when you have submitted a collection file in an attempt to collect from your payers. (ARUDD is an acronym made up from the Automated Return of Unpaid Direct Debits).

This report is available to Service Users the day after the day that Direct Debits are due to be collected. On the day that the money is due to be taken from the Payer’s bank accounts the paying bank will check a number of factors to ensure that the Direct Debit is correctly paid or unpaid. Any payments that cannot be made will be returned.

ARUDD Reason Codes

There are a number of different reason codes used in the report depending on why the transaction cannot be completed by the payers bank or by Bacs. The most common of these is usually “Refer to Payer”. This may mean that there are insufficient funds in the account, however this cannot be assumed as there could be a number of other reasons why this occurs. The term “Refer to payer” simply means that the bank are unable to advise the reason for the failed collection.  Depending on the circumstance it is sometimes possible to represent an unpaid item, however there are specific rules around doing this.

Other reasons may be “no account” or “no instruction”.  These reason codes are much more likely if you are not using AUDDIS instructions and migrating to AUDDIS therefore is likely to result in fewer failures. The rationale behind each of these reason codes and the appropriate actions to take in response to them are all detailed on our Clear Direct Debit training courses.

The ARUDD Bacs report will detail all unpaid items.  Common reason codes you may see include:

Box Icon Refer to payer

Refer to payer

Box Icon Instruction cancelled

Instruction cancelled

Box Icon Payer deceased

Payer deceased

Box Icon Account transferred

Account transferred

Box Icon Advance notice disputed

Advance notice disputed

Box Icon No account

No account

Box Icon No Instruction

No Instruction

Box Icon Amount differs

Amount differs

Box Icon Amount not yet due

Amount not yet due

Box Icon Account closed

Account closed

Accessing Bacs Reports

All Bacs reports are available electronically via Bacs Payment Services website and some Bacstel-IP software packages. E-mail notifications can be sent to various users when the reports become available (if set up against the contact). It’s recommended to download these using your payments software where possible. Otherwise they are made available to the service user for 37 days at a time.

If wanting to download Bacs reports direct from the Payment Services website, the following steps can be used:

  1. Access website

    Upon receipt of an email notification, go to Bacs Payment Services Website

  2. Log in

    Log in to Payment Services Website (Log in using Chip & PIN or User ID & Password)

  3. Search

    Navigate to the Processing Reports Screen and search for the report

  4. Select

    Select the report to view it on-line

  5. Save or print

    Save or print the report, select the File menu and Print or Save

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