How to start Direct Debiting
Starting Direct Debiting
couldn't be easier
Outsourcing your recurring payment processing to SmartDebit gives you complete control over recurring billing, reduces overheads, improves cashflow overnight and increases functionality without any initial outlay.
Direct Debiting is a far superior payment method than BACS transfers and standing orders.
Whatever the size of your organisation, SmartDebit can provide all the advice you need on procedures, rules, systems and costs. We’ll assign you an account executive to manage your service and help from start up to ongoing Direct Debit services.
The second stage, AUDDIS takes four weeks. New payers’ details can then be lodged with BACS and Direct Debiting can begin shortly afterwards.
Do you want paperless processing to sign up payers via the Internet or phone?
If 'yes', you’ll need to obtain a further application form from your bank for paperless Direct Debiting. This application will take your bank an additional two weeks to set up.
You receive an implementation document. This contains everything you need to set up recurring payments through our Direct Debit service including a full description of the process plus general information.
Once everything is live, we will manage the processing, deal with any queries and provide monthly activity reports (detailed plus a summary) and exception reports on unusual activities such as cancellations.
Step by step guide
We discuss implementation so that you have a clear understanding of the payment process. We will also advise you on accepting Direct Debits online or by paper and whether or not to integrate your systems to ours.
Do you have a Service User Number (SUN - previously known as an OIN)?
If 'yes', our Bureau number will need to be linked to your SUN. You will need to notify your bank of our ‘indirect submitters’ details. The link will take a few days to be set up. You should also check that AUDDIS (Automated Direct Debit Instruction Service) and/or paperless Direct Debiting are already live – if you’re not sure, contact your bank.
If 'no' you’ll need a SUN to set up a Direct Debit account - we can arrange this for you. A SUN enables money to be debited from your customer, donor or members’ bank accounts. This money is then credited into your own bank account. It also ensures your trading name appears on customers’ bank statements so that they can easily identify who has made the debit. Once the live SUN is set up, you can begin signing up customers.