Direct Debit Resource Centre

Knowledge is key! Understanding the Direct Debit Scheme Rules and how they apply to your organisation will help ensure that you are running a smooth, efficient and error-free Direct Debit system. The following pages contain an overview of all different aspects of Direct Debits to help you.

Box Icon Introduction

Introduction

This section covers:
What is a Direct Debit?
Important Terms
About Bacs & Pay.UK
Bacs History
Bacs Processing Calendar

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Box Icon Benefits of DD

Benefits of DD

This section covers:
Benefits to Payers
Benefits to Service Users
Promoting Direct Debit
Discounting Direct Debits
Incentivising Direct Debits

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Box Icon DD Set-up

DD Set-up

This section covers:
The DD instruction
The DD Guarantee
Lodgement - Paper
Lodgement - AUDDIS
Lodgement - Paperless

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Box Icon DD Process

DD Process

This section covers:
Advance Notice
Collection
The Bacs Cycle
The Unpaid Cycle
Transaction Codes

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Box Icon Bacs Reports

Bacs Reports

This section covers:
About Bacs reports
AUDDIS
AUDDIS Codes
ARUDD
ARUDD Codes
ADDACS
ADDACS Codes
Accessing reports

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Box Icon AUDDIS

AUDDIS

This section covers:
Advantages of AUDDIS
AUDDIS Codes
References
Submission
Timescales
Failures
Implementation
Migration

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Box Icon Paperless DD

Paperless DD

This section covers:
Benefits of Paperless DD
PDD Process
PDD Script
KYC
Account Validation
Payer Verification
Confirmation
PDD Implementation

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Box Icon Indemnities

Indemnities

This section covers:
The Indemnity
Service User error
Bank error
Refund Request
Indemnity process
Indemnity Claims Report
Valid Claims
Valid Counter Claims

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Questions about Direct Debits?

Free impartial and practical advice. We are here-to-help!

Latest News & Articles

Choosing a Direct Debit Bureau

June 11 2021

Direct Debit is your preferred method of payment for your organisation – but you are unsure of the process involved, or don’t have the resources available to put the required Direct Debit systems in place and to manage it effectively. In this situation, a Direct...

May Bank Holidays- Bacs Processing Dates.

April 23 2021

To ensure you have peace of mind going into the Bank Holiday weekend, be sure to have planned ahead with your Bacs submissions to allow for Bacs Bank Holiday processing dates. Bacs processing works on a 3-day cycle. This is known as the Bacs cycle, and goes as...

Using Electronic Signatures, but don’t have Paperless approval? … If so, you are not compliant.

April 12 2021

The use of electronic signatures on Direct Debit Instructions (DDI) has taken off recently. This is due to lock-down issues; difficulty accessing the office to collect and send off paper instructions and a desire to be seen as a modern, up-to-date...

Bacs Easter Processing Dates 2021

March 24 2021

Easter is fast approaching and this year we are still dealing with the added complication of "Covid Lockdown" with many people working remotely. This has meant that many are unable to access their usual systems and processes. Now more than ever therefore, it is...

What You Need to Know about BACS Direct Debit Reports

February 25 2021

Bacs produces a series of reports that highlight errors and anomalies and that help Service Users manage their Direct Debit collections. As a Service User you have a responsibility to take action to correct the faults these Bacs reports bring to light – but more...

Updated Direct Debit Scheme Rules for 2021.

February 02 2021

There are new Direct Debit Scheme Rule Updates which will take effect from January 2021. As a Direct Debit Service user, you have a responsibility to comply with the Direct Debit Scheme Rules. Are you? Version 5.4. January 2021 Article by Sarah Cottee. Training...

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