Direct Debit Software

Direct Debit Software simplifies the sometimes complex task of managing and collecting direct debits for an organisation. Getting the direct debit collections right every time with the appropriate advance notice letters and direct debit transaction codes can seem onerous, but with the right direct debit management software, processing of direct debits is simplified. At Mosaic Software we are experts in Direct Debit Processing and have software solutions to suit all sizes of organisations wishing to collect by direct debit through Bacs.

Using Microsoft SQL Server as the database engine for all of our Direct Debit Software means we can provide a scalable software solution to the management of Direct Debits.


Mandate is a cost effective range of direct debit solutions to meet the needs of all sizes of organisations. With Windows PC software and an API, we have a solution to meet the needs and budget of all organisations.

Mandate Express

For organisations where there are a small number of users with the responsibility of managing a company's direct debits, Mandate Express has been designed for Microsoft Windows Desktops. With a very user friendly interface, Mandate Express really realises the potential of Direct Debits.

Mandate API

For those who have software developers and wish to integrate Mandate into existing legacy applications we have an API. This means all the functionality of Mandate can be seamlessly integrated into existing applications and web applications.

Mandate in summary

  • Complete control over timing of customer payments
  • Supports Paperless Direct Debits
  • Flexible payment frequency function
  • Fully supports AUDDIS, ADDACS, and ARUDD reports from BACS
  • Ability to create your own custom letters such as Advance Notice, Cancel Notice and Fail Notice
  • Comprehensive audit trail
  • User friendly windows interface
  • Scalable from a single user up to hundreds of users
  • Variable security levels allows the administrator to limit the functions a user can access
  • Function to define User access rights
  • The option of adding PostcodeIT address lookup service for accurate addressing

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.