Direct Debit Solutions
SUN or No SUN?
If your organization has its own SUN, we can act as an authorized Bacs bureau on your behalf, enhancing the efficiency and convenience of your Direct Debit processing. We provide comprehensive enterprise-grade software, flexible APIs, and robust platform functionality to make administering your Direct Debit collections straightforward and hassle-free. Our customer service team is always available to address any issues or queries you may have.
For businesses and organizations without a SUN, we offer a fully managed service to support your Direct Debit processing. We will obtain a SUN on your behalf through our sponsor bank and handle all your Direct Debit collection activities. For managed accounts, customer payments are credited to their account, and we transfer the funds to your organization as quickly
Payments in the Channel has years of experience in helping organizations optimize revenue streams through Direct Debit processing. We offer various solutions depending on whether your organization already has its own Service User Number (SUN) – a Bacs identifier for Direct Debit collectors.
A Personal Service, Suited to Your Business
Our secure online portal offers excellent functionality, allowing you to easily enter customer details, the amount to be debited, and the payment schedule – whether it’s weekly, monthly, a one-off payment, or an initial larger payment followed by smaller installments.
If you have your own Service User Number (SUN), Direct Debit payments will be sent directly to your bank account. If your payments are processed with a SUN we have obtained, funds will first arrive in our bank account before being transferred to you.
We have always aimed to minimize the turnaround time for your payments. Over the years, we’ve led the way in reducing the time between receiving your funds and transferring them to you. Five years ago, it took 5 days, then we reduced it to 3 days, and more recently to just 2 days. Other Direct Debit companies have followed our lead each time.
Once our Direct Debit system is operational, you’ll have 24/7 access and automatically receive reports of all transactions, including any failures and cancellations, enabling you to follow up promptly. Addressing issues quickly can help retain customers or at least provide valuable feedback.
Fair and Flexible Pricing
No two businesses are the same, and neither are their Direct Debit needs. We work with you on a personal level to provide a bespoke service tailored to your systems and payment levels. We can only give you an accurate price after discussing and understanding your requirements.
Arranging a Direct Debit facility isn’t something that can be done purely online. We actively encourage all clients and potential customers to talk to us on the phone. This helps build closer relationships and enhances our customer service.
While many customer support teams today rely on online forms or chat-bots, we are bucking this trend. You can be assured that whenever you have an issue with your Direct Debits, a member of our team will always be available by phone.
Direct Debit Services
Managed Direct Debits allow us to handle transactions on your behalf while keeping you and your customer in control.
If you’ve struggled to obtain a Service User Number (SUN) or found the process too lengthy, our Managed Direct Debit service offers a quick and efficient alternative, getting you set up in days rather than months.
Enabling Your Customers to Pay Quickly and Easily
With Managed Direct Debit, Payments in the Channel provide the SUN through our sponsor bank, using this specific SUN for all your transactions. Your account is branded with your company name, ensuring customers can easily reference their payments. Unlike some Direct Debit companies, our name won’t appear on your customers’ bank statements, avoiding confusion and maintaining brand consistency.
We act as the bank, providing sponsorship for your company. Funds first arrive in our bank account before being transferred to you, typically within two days. We’ve also reduced the time between purchase and bank account credit.
Managed Direct Debit is particularly useful for smaller businesses transitioning to regular, repeat payments, and non-profit organizations such as charities.
Keeping You Running in a Crisis
In the event of infrastructure damage or failure, our system ensures your business continues unaffected. Whether it’s a fire, power cut, or network compromise, our off-site and fully backed-up systems will keep collecting Direct Debit payments and maintaining your cash flow, avoiding issues with customers, suppliers, and staff.
We offer a prestige platform for processing Direct Debit collections, backed by an unrivalled personal approach to customer service. Talk to us, and we could set you up to receive Direct Debits in 6 days.
Our secure online portal offers excellent functionality, allowing you to easily enter customer details, the amount to be debited, and the payment schedule – whether it’s weekly, monthly, a one-off payment, or an initial larger payment followed by smaller installments.
If you have your own Service User Number (SUN), Direct Debit payments will be sent directly to your bank account. If your payments are processed with a SUN we have obtained, funds will first arrive in our bank account before being transferred to you.
We have always aimed to minimize the turnaround time for your payments. Over the years, we’ve led the way in reducing the time between receiving your funds and transferring them to you. Five years ago, it took 5 days, then we reduced it to 3 days, and more recently to just 2 days. Other Direct Debit companies have followed our lead each time.
Once our Direct Debit system is operational, you’ll have 24/7 access and automatically receive reports of all transactions, including any failures and cancellations, enabling you to follow up promptly. Addressing issues quickly can help retain customers or at least provide valuable feedback.
Fair and Flexible Pricing
No two businesses are the same, and neither are their Direct Debit needs. We work with you on a personal level to provide a bespoke service tailored to your systems and payment levels. We can only give you an accurate price after discussing and understanding your requirements.
Arranging a Direct Debit facility isn’t something that can be done purely online. We actively encourage all clients and potential customers to talk to us on the phone. This helps build closer relationships and enhances our customer service.
While many customer support teams today rely on online forms or chat-bots, we are bucking this trend. You can be assured that whenever you have an issue with your Direct Debits, a member of our team will always be available by phone.
The Direct Debit Process
Collection and Forwarding: Create a Direct Debit file and send it to Bacs via an approved channel. Processing: Bacs forwards the payment request to the payer’s bank. Transaction and Post-Submission: Funds are debited from the payer’s account and credited to the originator’s account; unpaid requests generate a report with reasons for non-payment. Indemnity Claims: We assist with claims for errors, ensuring customers can get refunds for unauthorized debits.
Collection and Processing
Our white-labelled product lets you run payment collections under your company name. Enter customer details, and we handle the rest, including submitting requests to Bacs.
We offer transaction visibility, manage credit control, and provide updates on cancellations. With low costs and training, our system improves cash flow and financial operations.
Direct Debit collection services
Direct Debit gives your business control over customer payments, unlike Standing Orders where the customer controls the payment details. By authorizing Direct Debit, you can manage regular, recurring, or one-off payments, improving cash flow and payment collections. We specialize in Direct Debit processing, offering tailored solutions to help businesses of all sizes access these services through advanced software and bank partnerships.
