Direct Credit Resource Centre

In order to operate a smooth, efficient and error-free Direct Credit system it is important to understand how Direct Credits operate and what your responsibilities are as an organisation.  The following pages contain an overview of Direct Credits to help you manage your processes.

Box Icon Direct Credit Introduction

Direct Credit Introduction

This section covers:
What is a Direct Credit?
About Bacs
Important Terms
The Benefits of Direct Credit

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Box Icon The Direct Credit Process

The Direct Credit Process

This section covers:
The Bacs Cycle
Transaction Codes
Indirect vs Direct Submission

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Box Icon Bacs Reports

Bacs Reports

This section covers the different types of Bacs Credit reports including:
AWACS
ARUCS

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Latest News & Articles

What is a Modulus Check?

January 15 2021

When you operate a Paperless Direct Debit (PDD) system, a modulus check is mandatory at the point of customer sign-up. For users of both AUDDIS (Automated Direct Debit Instruction Service) and paper-based Direct Debit systems, it is highly recommended at the point...

Advance Notice for Direct Debits

January 14 2021

Over the years, the Direct Debit Advance Notice rules have been clarified and updated to reflect current preferences and practices. Increased use of email, a preference for paperless systems, and a rise in the use of online banking have all influenced how the system...

ADDACS Reports explained

January 14 2021

It’s no secret that the Bacs scheme is underpinned by a complex set of rules. These rules are there to maintain the integrity of the system. They keep the system running smoothly, benefiting both Service Users and their customers – so staying compliant has to be...

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