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Direct Debit

Simplify recurring collections with ISX's secure Direct Debit service, designed for automated efficient and cost-effective payment processing across the UK and the EEA. Collect regular fees or subscription payments, through a reliable payment method trusted by millions of consumers and businesses. 

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ISX Direct Debit

SEPA Direct Debit

SEPA Direct Debit (SDD) allows you to easily collect both one-off and recurring Euro payments from customers across the 34 countries of the EEA, automatically, securely and with minimal intervention.

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Bacs Direct Debit

Designed for businesses collecting payments in GBP, Bacs Direct Debit enables you to automate recurring and one-off payments directly form your customers' UK bank account.


Simple Customer Flow

Following a few simple steps, customers easily set up the mandate that better suits their needs. 

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Customer enters their basic information, including their name, address, and contact details.

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Customer adds their IBAN and payment information to set up the mandate securely.

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Customer carefully checks all the details of the mandate and confirms to proceed.

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The Direct Debit mandate has been successfully approved and is now active.

Multiple Activation Options

Our Direct Debit system supports 3 different activations methods, each tailored to meet the unique needs of specific industries.

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Cashless-YELFrequent Payments

Allow customers to set up automatic monthly payments up to a chosen amount, avoiding manual updates, late fees and service disruptions.

Reduce-Transaction-YELRecurring Payments

Ideal for subscriptions, memberships, loans and fixed-cost services, this option sets a fixed amount and an automated monthly withdraw date.

Cost-Effect-YELLimit Payments

Customers set a monthly spending limit, allowing for automatic payments once a certain threshold is reached, each set day.

 

Key Benefits

Direct Debit equips businesses with recurring revenue models, such as subscriptions and memberships to achieve:

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Predictable Revenue

Ensure consistent cash flow through automated recurring monthly payments, without relying on card renewals.

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Improved Retention

Avoid failed payments due to expired cards and offer a convenient "set and forget" payment option, fostering customer loyalty.

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Lower Cost

Direct Debit typically offers lower processing fees making it ideal for high-volume or low-margin billing models.

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Refund Protection

Built-in mandate verification and real-time fraud checks help with reducing the risk of chargebacks or disputes.

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Simplified Operations

Automate collections with direct debit payments and avoid credit/debit card updates with traditional card subscriptions. 

Simple System Upload

Integrate customer direct debits in our system platform with a batch CSV file or choose to automate the process through our API.

CSV Upload
Secure Upload
Your SFTP folder is updated in the secure platform of IDD.
Thorough Check
Our banking system will notify your customer's bank to initiate the payment.
Payment Authorisation
Funds are debited from customer's bank account.
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Open Banking API
Authorisation form
Customer gives authorisation for payment collection.
No Charges
Your information is verified without charges.
Secure Upload
Your SFTP folder is updated in the secure platform of IDD.
Thorough Check
Our banking system will notify your customer's bank to initiate the payment.
Payment Authorisation
Funds are debited from customer's bank account.