Frequently Asked Questions
Below is the full listing of all the FAQ's on this site.
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What is the layout for the PDD Advance Notice letter?
A confirmation letter incorporating the Advance Notice letter must be received by the payer no later than 10 working days prior to the first collection date.
You must apply to you sponsoring bank to become a Paperless Direct Debit Originator (PDD). They will send you an application form & a PDD Indemnity. These must be completed, signed and then sent back to your sponsoring bank.
Once received, the bank will set you up as test status. In order to become live, the bank must see the proposed scripts and Advance Notice letter that will be sent to the payer. Further details can be found in Section 16 of The Service User Guide and Rules.
PDD stands for ‘Paperless Direct Debit’.
As an Service User you must first be approved to offer the PDD service. This enables Service Users to sign up clients for Direct Debit by telephone, the Internet, keypad, Face-to-face or Interactive.
To be able to collect via PDD the Service User must be setup for AUDDIS.
ADDACS stands for ‘Automated Direct Debit Amendment and Cancellation Service’.
This is an automated service used by Banks & Building Societies to advise Originators of any amendments or cancellations to the DDI.
There is a standard format for the DDI that has been designed to make it easier for payers to complete the necessary details. The examples can be found in Section 3 of The Originator’s Guide and Rules.
The Bacs website also has a good page that will help you create your Direct Debit Instruction with some downloadable forms.http://www.bacs.co.uk/Bacs/Businesses/BacsAcademy/MarketingDirectDebit/Pages/ProducingADDI.aspx
NOTE: All forms must be approved by your Sponsoring Bank before use - send them to Rapidata and we will review first and then send to your Bank.
Advance Notice is the method by which Originators give notice to the payer before the first Direct Debit payment is collected and following any changes to the Direct Debit payment in respect of amount, Direct Debit due date and / or frequency. The Advance Notice must be clear and unambiguous personalised advice and must be identified as such at first glance by the payer.
The Advance Notice must provide the following details:
- Total amount of the Direct Debit to be applied to the Payer’s account
- Direct Debit due date
- Frequency of the Direct Debit
- Direct Debit reference number
- Advance Notice period
- Originator name
AUDDIS stands for ‘Automated Direct Debit Instruction Service’.
AUDDIS enables organisations to setup new Direct Debit Instructions (DDI) at their customers’ bank electronically instead of in paper format.
B20769
BACS processing of Direct Debits operates on a three day cycle.
- Day 1 (Input) – Electronic submission to BACS of payment request data.
- Day 2 (Processing) – All data is processed.
- Day 3 (Entry) – Direct Debits are debited from the payers bank account and credited to the Originator’s nominated bank account.
As soon as you receive your Service User Number(SUN), it is best to allow 6-8 weeks to become live. The main reason for the length in time is the AUDDIS testing and allocation of a live date from BACS.
Once your sponsoring bank is happy with all testing and documentation, it is possible to request an earlier live date however this is normally at least 4 weeks from completion of all tests.
An organisation wishing to become a Direct Debit Service User must contact its bank who will advise of all the steps Involved.
Direct Debit is a simple, safe and speedy way for a payer to pay regular bills, donations and subscriptions automatically. The payer agrees with the company the amount to be collected and the date of payment. From then on the amount will be deducted from the payer’s bank account on a regular basis. The company can only take out the agreed amount. If the amount or the collection dates change, the payer must be notified first.