Linking SmartDebit as your Direct Debit Bureau

Linking SmartDebit as your Direct Debit Bureau

Applicable to OWN SUN Customers only

As an OWN SUN customer, you will need to link SmartDebit as your Bureau to process your Direct Debits/Credits when you are onboarded to SmartDebit. If we are not linked as your Bureau, we will be unable to process on your behalf as there is no relationship between the submitter (SmartDebit) and the Service User (You).

The procedure in which must be taken to link SmartDebit as your Bureau is extremely straightforward and will only take up to 24 hours to complete. You will need to make contact with the relationship manager at your sponsoring bank and advise that you will be processing through a Bureau which needs to be linked. You will be requested to provide them with SmartDebit’s Bureau Number (B08032) and once actioned, your sponsoring bank will be send you an email confirmation advising of the successful linking. Please ensure that this correspondence is provided to SmartDebit for reference.

As you are an OWN SUN customer, it is also recommended that you speak with your sponsoring bank to link SmartDebit to process your Bacs reports.  This means that SmartDebit will be able to download your Bacs reports on your behalf and apply them to the SmartDebit Pulse portal, making these readily available for you to view at any time.

When SmartDebit are linked to pick up your Bacs reports, you will no longer need to log into Bacs Payment Services to retrieve your Bacs reports and SmartDebit will download these every morning. If there are any Bacs reports for you to view, SmartDebit will advise via email that you have new reports and these will be readily available to access on the portal. Once your Bacs reports are downloaded into the SmartDebit Pulse portal they will be available to be viewed and downloaded indefinitely. Currently Bacs Payment Services only allows you to download Bacs reports for up to 30 days, meaning that you potentially miss Bacs reports that have been received.

SmartDebit will also apply your Bacs reports to the SmartDebit Pulse portal when received. Please see below the actions we will take:

• AUDDIS (Automated Direct Debit Instruction Service) Reports – typically SmartDebit will cancel any Payers that are received via an AUDDIS report. This will prevent any potential Indemnity Claims that may be received as a result of these not being actioned. Some examples of AUDDIS report reason codes are as follows: Instruction Cancelled by Payer, Payer Deceased, Account Transferred to new Bank or Building Society, Invalid Account Type.
• ARUDD (Automated Return Unpaid Direct Debit) Reports – SmartDebit will apply an ‘Unpaid’ status to any Direct Debit that has been returned unpaid in the portal. This will be available to view in the Edit Payers page and within the Collections tab. As long as you are within 30 days of the initial collection date, we will also allow you to re-present the failed debit on the portal.
• ADDACS (Amendments & Cancellation Service) Reports – SmartDebit will apply all changes and cancellations within an ADDACS report. This reduces manual work for yourselves, as you will not be required to cancel each payer individually on the portal. Also, as long as SmartDebit have been provided with the new account details within an amendment, we will automatically update these for you on the portal too. This will avoid any missed cancellations if an ADDACS report is not viewed.
• DDICA (Indemnity Claim) Reports – if you were to receive an Indemnity Claim, we will cancel the Direct Debit on the portal and will mark off the collections that an Indemnity Claim has been made against.

The process of linking SmartDebit to retrieve your Bacs reports is the same as linking us as your Bureau. To make the process easier for you, we would advise that your Bacs reports are actioned at the same time.

If you require any assistance from SmartDebit regarding linking us as your Bureau or if you have any general queries, please contact us on 01276 851820.  Alternatively, you can email us at [e-mail]