Automated Return of Unpaid Direct Debit
What is an ARUDD?
An ARUDD is the notification of any unpaid Direct Debits and these can be received up to 3 working days after the collection date. They are automatically applied onto the SmartDebit system and you have the option to represent the debit if you wish.
How am I notified of an ARUDD report?
We will send you an e-mail to advise you that you have an ARUDD to collect. A link within this e-mail will take you through to the reports section on SmartDebit Pulse. You are then given the option of opening this as either a CSV or XML (CSV is generally easier to read).
What does an ARUDD look like?
If you open your ARUDD report as a CSV, the data will be depicted as above. The reason codes meanings are given to you within the report but the most common of these are as follows:
- Refer to Payer (0) - Insufficient funds in the payer’s account
- Instruction cancelled (1) - The payer has cancelled the instruction shortly before the collection
- No Instruction (6) - Either you are trying to collect on an instruction too soon or the instruction has become dormant. Contact Customer Services in the event of dormancy for assistance.
- Amount not yet due (8) – Either you are trying to collect on an instruction too soon or there may be a problem at the payer's bank. Contact Customer Services for assistance with this reason code.
With certain reason codes (reason code 1 Instruction Cancelled) you may wish to contact your customer to obtain new details. However, all the necessary amendments will automatically be applied within SmartDebit.
Tips
- ARUDD reports tell you all of your unpaid Direct Debits. It's important to keep up to date with these so that you can easily reconcile your successful payments.
- All ARUDDs are populated on your successful collection report 3 working days after your Collection Date.
- You can only represent a Direct Debit 30 days after payment has failed so keeping on top of these reports allows you to have the option to represent.
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