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What is the layout for the standard Advance Notice letter?

What is the Direct Debit Guarantee?

What is the BACS payment cycle?

What is Direct Debit?

What is AUDDIS?

What does ADDACS refer to?

How do I become a Direct Debit Service User?

Direct Debit Rules

Direct Debit Logo

What is the layout of the Direct Debit Instruction?

Advance Notice is the method by which Originators give notice to the payer before the first Direct Debit payment is collected and following any changes to the Direct Debit payment in respect of amount, Direct Debit due date and / or frequency. The Advance Notice must be clear and unambiguous personalised advice and must be identified as such at first glance by the payer.

The Advance Notice must provide the following details:

Total amount of the Direct Debit to be applied to the Payer’s account
Direct Debit due date
Frequency of the Direct Debit
Direct Debit reference number
Advance Notice period
Originator name

Download example of the standard Advance Notice

Is now a good time to contact us for a no obligation quote to manage and process your Auddis and Direct Debits?

The Direct Debit Guarantee provides assurances to your payers that any monies taken in error by you (the Direct Debit Service User) will be immediately refunded by the payer’s bank.

The Direct Debit Guarantee is below:



The Bacs Cycle is a function of the Bacs service that all Service Users need to understand when submitting Direct Debits.

  • Day 1 (Input) – Electronic submission to Bacs of payment request data.
  • Day 2 (Processing) – All data is processed.
  • Day 3 (Entry) – Direct Debits are debited from the payers bank account and credited to the Service User’s nominated bank account.


Direct Debit is a simple, safe and speedy way for a payer to pay regular bills, donations and subscriptions automatically. The payer agrees with the company the amount to be collected and the date of payment. From then on the amount will be deducted from the payer’s bank account on a regular basis. The company can only take out the agreed amount. If the amount or the collection dates change, the payer must be notified first.

AUDDIS stands for ‘Automated Direct Debit Instruction Service’.

AUDDIS enables organisations to setup new Direct Debit Instructions (DDI) at their customers’ bank electronically instead of in paper format.




ADDACS stands for ‘Automated Direct Debit Amendment and Cancellation Service’.

This is an automated service used by Banks & Building Societies to advise Originators of any amendments or cancellations to the DDI.

An organisation wishing to become a Direct Debit Service User must contact its bank who will advise on all the steps involved.

Once you have spoken to your Bank Manager, please get in touch to see how we can help you with filling in the application forms and with the submission of Bacs test files to achieve a Direct Debit live date.

Rapidata has helped hundreds of organisations with setting up Direct Debit services - for a NO obligations quote, please contact us on 01293 601111 or email We look forward to speaking to you.

If you are operating Direct Debit, you must comply with The Service User’s Guide and Rules to the Direct Debit Scheme which is available to download from the Bacs website.

The rules to the Direct Debit Scheme provide Service Users with a document that outlines their responsibilities when operating and marketing Direct Debits. The Direct Debit rules are updated over time and Rapidata will always endeavor to update it’s clients when a new version become available.

The rules* cover the following:

1. An overview of the Direct Debit Scheme

2. Becoming a Direct Debit service user

3. The Direct Debit Instruction

4. Advance Notice

5. Completion and lodgement of the Direct Debit Instruction

6. Direct Debit Instruction acknowledgement

7. The collection process

8. Unpaid Direct Debits

9. Re-presentation of an Unpaid Direct Debit

10. Direct Debit Instruction amendment and cancellation

11. Indemnity Claims

12. Monitoring of the Scheme

13. Exit from the Scheme

14. Standing Order Conversion


16. Paperless Direct Debit

17. Inter Bank Transfer of Direct Debit Instructions and Standing Orders Service (ToDDaSO)

*taken from v3.4

There is a standard format for the Direct Debit Instruction (DDI) that has been designed to make it easier for payers to complete the necessary details. The examples can be found in Section 3 of The Originator’s Guide and Rules.

The Bacs website also has a good page that will help you create your Direct Debit Instruction with some downloadable forms.

NOTE: All forms must be approved by your Sponsoring Bank before use – send them to Rapidata and we will review first and then send to your Bank.

“We at United Savings and Loans were sceptical about switching to a Direct Debit collection service as we were unsure about costs and how much work was needed to set the service up. Once we signed up with Rapidata we found it an easy transition with minimal man hours required, at a very reasonable cost.”

Sam Wilkes-Holmes, operations manager, United Savings & Loans