News & Articles

Read the latest news, articles and opinions about all the issues within the world of Direct Debit, Direct Credit and SEPA.

Ensuring uninterrupted Direct Debit Collections – 10 top tips

September 15 2014

Ensuring that you get your Direct Debit files to Bacs as scheduled is essential for any collecting organisation. Failure to do so will mean missed collections, restricted cash-flow and (potentially) unhappy customers! Indirect submitters can rely to some extent on...

Cancelled Direct Debits – what can you do?

July 04 2014

We welcome your Direct Debit questions and queries. Recently we received the question below about cancelled Direct Debits: “......The customer has cancelled their Direct Debit and also asked the bank to refund the last 6 months payments, but they have been...

How long should you store a Direct Debit Instruction?

April 02 2014

A Direct Debit Instruction (DDI) is the authority given by the payer to enable an organisation to collect Direct Debits from the payers account.  This DDI can be collected using a paper form that the payer signs and returns to an organisation, or if the Service...

What is a Direct Debit and what are the benefits of Direct Debit?

October 14 2013

Bacs, the governing body behind the Direct Debit Scheme, announced that this summer it processed its 100 billionth transaction since it was first established in 1968.  Part of its success has been down to the growth of its Direct Debit Scheme which has seen massive...

ID checking for customers signing up for Direct Debits: Why and How?

April 09 2013

ID checking is required for any organisation using Paperless Direct Debit (PDD) sign up.  The Service User’s Guide and Rules to the Direct Debit Scheme (Section 16.3) states: “Prior to the origination of any Direct Debits the service user must verify the...

Modulus Checking: What, Why and How?

April 08 2013

Modulus checking is mandatory at the point of customer signup when you operate Paperless Direct Debit, (PDD).  It is highly recommended at the point of customer sign up for users of both AUDDIS (Automated Direct Debit Instruction Service) and paper based Direct...

Security – Direct Debit v Card Payments

February 20 2013

When it comes to the security of our money and financial transactions, most of us would place security as a fairly high priority. Direct Debit is almost certainly the best method of payment open to customers and yet they still sometimes mistrust it or prefer to pay...

The Direct Debit Guarantee: What does it really mean?

February 18 2013

The Direct Debit Guarantee is one of the main reasons that the Direct Debit Scheme has been so successful. Reassurance for the payer The Guarantee protects the payer from any errors made by the bank / building society or the organisation, (the Service User),...

Why do I get the message “No Instruction” when I try to collect Direct Debits?

February 05 2013

Well there are 2 possible answers...... You are not using the AUDDIS system to set up your Direct Debits ...or You are using AUDDIS but it appears not to be working for you correctly. If the answer for you was the first one then the only resolution is to...

Re-Presenting Unpaid Direct Debits: When and How?

November 27 2012

Does your organisation ever have Direct Debits returned to you unpaid?  If so, do you try to re-present them?  (A re-presented Direct Debit is a debit which has previously been returned unpaid by the bank and is then presented again for collection).  Any unpaid...

Charities: Are you missing out on donations due to the timing of your Direct Debit Collections?

September 25 2012

Delaying collections of Direct Debits can soon add up to loss of revenue, especially if you aren’t using AUDDIS or have not optimised your collection schedule.  Most supporters will be happy to start their donations at the earliest opportunity but all too often...

AUDDIS: To Migrate or not to Migrate?

May 23 2012

Currently, 45% of Service Users continue to operate a paper-based system of submitting their Direct Debit Instructions (DDI's) to Bacs, i.e. they send them in the post. Many companies however recognize the benefits of using an AUDDIS, (Automated Direct Debit...