Paperless Direct Debit

Paperless Direct Debit allows you to take Direct Debit instruction details over the telephone and on the internet. Many benefits can be achieved when moving to paperless Direct Debit including savings in time and postage.

As you will need to validate the sortcode and account number at the point of data entry, Mosaic Software provide tools such as BankCheck. This validation tool can be built seamlessly into your website or scripting application. It checks that the sortcode and account number combination provided by your customer is accurate. PostcodeIT will assist you in checking the customers address is valid. We use the Royal Mail PAF database with 28 million addresses.


As a Direct Debit originator you must have live AUDDIS (Automated Direct Debit Instruction Service) status before using the Paperless Direct Debit service. AUDDIS and Paperless Direct Debit application forms can be obtained from your sponsoring bank.

At Mosaic Software we have many years of experience in Direct Debits industry. The benefits are considerable. If, however, you find the paperwork daunting or need some personalised training then we can help.

Benefits of Paperless Direct Debit

  • It speeds up the Direct Debit sign up process.
  • Eliminates paperwork associated with Direct Debits and substantially reduces postage costs.
  • As it is convenient for customers it Improves sales.
  • Using Modulus Checking to validate the account and sortcode improves accuracy, eliminating the cost of later corrections.

Some help with the acronyms.

  • AUDDIS - Automated Direct Debit Instruction Service.
  • ADDACS - Automated Direct Debit Amendment and Cancellation Service.
  • ARUDD - Automated Return of Unpaid Direct Debits.
  • DDAN - Direct Debit Advance Notice.