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Direct Debit Frequently Asked Questions

Everything you need to know about Direct Debit to get started.

01
What is a Direct Debit provider?
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What is a Direct Debit provider?

Bottomline’s Direct Debit service is for any business looking to automate and streamline its recurring payment collections. Businesses of any size and in any industry can start collecting Direct Debits from their customers with us.

02
What are the benefits of using a Direct Debit provider?
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What are the benefits of using a Direct Debit provider?

By starting to collect Direct Debits from your customers, you can save money on card fees, avoid the hassle and cost of dealing with cash or cheques, and easily manage any late payments.

03
What type of payments are suited to Direct Debit?
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What type of payments are suited to Direct Debit?

Direct Debit is perfect for businesses that want to collect regular payments from customers—like a monthly subscription or charitable donation. It’s also suited for businesses with ongoing customer relationships where regular invoicing is required.

04
What is a SUN or (Bacs) Service User Number?
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What is a SUN or (Bacs) Service User Number?

This is the unique identifier that all businesses use to collect Direct Debit payments from their customers. This number is stored to record each transaction and is used by banks to find the business name displayed on the bank statement of the Direct Debit payer.

05
Do we need our own SUN to start collecting Direct Debits?
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Do we need our own SUN to start collecting Direct Debits?

No, you don’t. As a Direct Debit provider, Bottomline can arrange one for you as part of our service, so you can start collecting Direct Debits from your customers immediately.

06
Can I easily change Direct Debit providers?
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Can I easily change Direct Debit providers?

Yes, you can easily change your Direct Debit payment provider. If you want to switch to Bottomline, simply use our contact form, and our team will guide you through the process.

07
Can I collect one-off payments from a Direct Debit provider?
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Can I collect one-off payments from a Direct Debit provider?

Yes, Bottomline Direct Debit is designed specifically for both one-off and recurring payments.

08
How soon can I get access to the money that’s been collected?
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How soon can I get access to the money that’s been collected?

You can access the money as soon as the Direct Debits have cleared—normally three days after collection.

09
Is there a charge if I want to change the amount of Direct Debits I collect?
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Is there a charge if I want to change the amount of Direct Debits I collect?

There is no charge for changing the number of Direct Debits your business collects from your customers.

10
When can we retry unpaid Direct Debits?
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When can we retry unpaid Direct Debits?

Where the mandate is still 'live' you can attempt to re-try the unpaid collection. You can configure PTX to do this automatically up to three times in 30 days. In addition, PTX has the capability to email a convenient link for alternative payment, reducing effort and delays.

11
Can we have our company name on our customer’s bank statements?
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Can we have our company name on our customer’s bank statements?

Yes, of course. Depending on how many Direct Debits you wish to collect from your customers, Bottomline can arrange a SUN (Service User Number) and register it to your company, ensuring your company name will appear on your customer’s bank statements and all of your Bacs reports.

12
Do we need approval from our bank to start collecting Direct Debits?
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Do we need approval from our bank to start collecting Direct Debits?

No, you don’t. As a company regulated by the Financial Conduct Authority (FCA), Bottomline Payment Services can arrange your managed Direct Debit collection service for you directly so you can start collecting Direct Debits from your customers immediately.

13
Can I integrate Direct Debit payments into my existing systems/platforms?
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Can I integrate Direct Debit payments into my existing systems/platforms?

Yes, you can. Simply use our APIs to automate your workflows and synchronise data across your ERP, CRM, finance and other systems.

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