Direct Debit

Direct Debit payment collection services

Streamline your cash flow and simplify payment collection with Access PaySuite’s trusted Direct Debit services. Designed for SMEs, enterprises, and public sector organisations, our FCA-compliant solution helps you automate Direct Debit collections, reduce operating costs, and maintain full control — all in a secure and reliable way.

Our Direct Debit services are trusted by leading organisations and businesses

Streamline payments with your reliable Direct Debit provider

Flexible Direct Debit collection for any business

Access PaySuite’s Direct Debit solution adapts to your needs with FM or Own SUN models, giving you control over funds, branding, and reconciliation. Our Direct Debit platform can also operate as a fully functional backup, seamlessly taking over if your primary provider fails to ensure uninterrupted collections. With flexible file formats and full system integration, you stay connected, compliant, and in control.

Enhance customer trust with seamless Direct Debit payment experience

Deliver professional and compliant payments that reflect your organisation’s identity — while improving efficiency for your team.

Your name on statements – Build trust by appearing on customer bank records.
Fully Bacs-compliant – Stay aligned with regulations and reduce payment-related queries.
Branded sign-up pages – Customise the experience from the first step.
Configurable dashboards – Tailor views and workflows to suit your team.
Real-time insights – Use data-rich reporting to personalise service and improve retention.

Secure and compliant Direct Debit collection services

Operate with confidence knowing that Access PaySuite’s Direct Debit platform meets the highest industry standards. We’re FCA-regulated, Bacs-approved, and ISO 27001 certified, giving your business and customers full trust in every transaction.

Designed for regulated sectors like insurance and finance, our platform includes:

Risk screening at onboarding
Full audit visibility
A proven compliance track record

Clear, simple pricing for Direct Debit services

No hidden fees, no charges for amendments, and no surprises. Access PaySuite offers straightforward, pricing on all Direct Debit services — and the more volume you process, the less you pay per transaction. Focus on growing your business while we handle your payment collections.

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Payment success rates of 98%

Cut payment failure and protect cash flow by re-presenting payment collections with Access PaySuite’s Direct Debit service — ideal for recurring payments like subscriptions, memberships, and tenant fees.

Flexible, paperless payments

Make it easy for your customers to pay — securely and conveniently. Access PaySuite supports fully paperless Direct Debit setup online or over the phone, helping you improve sign-up rates and reduce admin time.

Real-time, custom reporting

Track collections, monitor audit trails, and gain full financial visibility with real-time dashboards. Access PaySuite offers bespoke reports tailored to your organisation’s needs — empowering better decision-making and control.

Seamless 3rd party integration

Connect your CRM, ERP or accounting platform using Access PaySuite's secure Direct Debit API. Automate collections, sync data and manage everything in one centralised system for greater efficiency.

Simple, affordable pricing, with no set-up fee and transaction fees as low as 4p.

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Enhance your Direct Debit capabilities with extra services

Collect recurring payments across Europe
Easily manage SEPA Direct Debit collections across 36 countries — improving cash flow predictability and simplifying international payments.

Automate collections with your own SUN
Take control of your collections using your own Service User Number (SUN). Submit files securely through our Bureau platform with access to real-time insights.

Outsource Direct Debit with full support
No SUN? No problem. We’ll obtain one for you and manage the entire process — from submission to reconciliation — on your behalf.

Fast, secure access to Bacs
Connect directly to Bacs for faster payment submissions and reliable processing of recurring Direct Debit collections.

Pay staff and suppliers on time
Make secure, automated payments to employees and suppliers via Bacs using our Direct Credit service — fully integrated and easy to manage.

Seamless API integration with your business systems

Streamline operations with powerful integrations. Access PaySuite’s Direct Debit platform connects effortlessly with your CRM or finance systems via our open API, enabling efficient data sharing, automation, and control across your payment processes.

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Giving our customers the freedom to do more

We chose Access Group because of their proven expertise in telecommunications. Their track record demonstrated they understood the unique challenges of our industry, making them the ideal strategic partner.

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Mark Taylor - Commercial and Proposition Manager ASDA Mobile

Working with Access PaySuite has helped enhance the service we offer for our customers and our operational efficiency. Their quick and reliable payment processing service enables us to provide customers with a more efficient refund process, as well as being able to resolve customer queries more quickly. This move has been a welcome development as part of our ongoing commitment to continually improve the service we provide for our customers.

Daniel Hutchinson - Product Analyst Eon

Being able to integrate directly with Access thankQ and have the data go back and forth automatically was a big bonus for my team – in supporter care, Direct Debit care is a really important element for us. And we know too that Access PaySuite can help with more, such as the supporter journey, which is something our team is keen to develop

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Joe Campbell - Supporter Care Manager Samaritans

Looking to enhance online transactions?

Our Online Payments solution supports card payments for upfront or one-off transactions, working alongside your Direct Debit setup to offer a complete payment journey — from initial sign-up to recurring collections.

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AI is enhancing Direct Debit collections

From automation to real-time insights, AI is streamlining how Direct Debits are managed and monitored. Visit our AI Hub to see how smarter collection drives better outcomes across sectors.

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All your payment solutions in one place

View all of our products here.

Online Payments

Identification and Verification

Phone Payments

Multi-channel Payments

Frequently Asked Questions

What is a Direct Debit payment?

A Direct Debit is a simple, easy and safe way for your customers to set up and make regular and occasional payments to your business or organisation.

It works by a customer giving permission to a business or organisation to take money from their bank account by submitting their account number and sort code.

You’ll need to provide the customer with the amount they will be paying and when the money will be collected - before any payment is taken from their account.

Money is collected from their account automatically and if there are any changes to when it’s going to be collected or the amount, you will need to notify them before it happens.

Direct Debit is the most established payment in the UK for regular payments. Over 50% of bills are paid by Direct Debit and at least 9 out of 10 adults have at least one Direct Debit.

Learn more about what is a Direct Debit.

What is a Direct Debit service provider?

A Direct Debit service provider is an organisation that is a specialist in handling online payments and money transfers. Usually called a Direct Debit bureau, they are experts in optimising your Direct Debit payments, conversions and minimising any payment failures.

Like Access PaySuite, they take care of all the manual work involved in making submissions to Bacs on your behalf. They usually have APIs that allow Direct Debit payments to be connected to software to automate business processes to free up time within your finance teams.

How do I set up Direct Debit for my business?

For any business looking to offer Direct Debit payments to customers, you have to have access to the Direct Debit Scheme which is owned and operated by Pay.UK.

There are two ways to get set up on the Direct Debit Scheme, either doing it yourself or via a third-party Direct Debit bureau.

1. Managing Direct Debits in-house:

This is usually for larger organisations who want to manage it themselves entirely, i.e. direct access, also known as becoming a direct submitter.

The first step would be to obtain a Service User Number (SUN) from your bank. This involves completing a series of forms which then the bank evaluates if your business is eligible for the Direct Debit scheme.

It can take several weeks for your bank to approve you as a direct submitter. You then need to develop or purchase the software to make the Direct Debit payments; as well as have the in-house knowledge to provide the right information to Bacs so payments are made accurately and on time.

2. Direct Debit outsourcing

A Direct Debit bureau looks after the submissions of your Direct Debit payments to Bacs. Some bureaus, like Access PaySuite, provide you with a webpage that lets you set up Direct Debits online or over the phone, as well as via paper.

However in the main bureaus are there to remove the manual processes, as all payments are automatically collected and submitted to Bacs without you needing to be involved.

There are two options for managing your Direct Debits via a bureau:

Your own assigned SUN: This means that your name will show up on your customer bank statements, reducing any unnecessary cancellations.
Making use of the bureau’s SUN: Direct Debit payments can be set quickly, however, your customers will see the bureau’s name on their statements, rather than yours.

How do Direct Debit collections work?

To start collecting Direct Debit payments, your customer provides you with a Direct Debit Mandate or Direct Debit Instruction (DDI). This authorizes you to collect payments from them at any time.

For example, if your customers are agreeing to regular and fixed amount, such as a membership payment, there will be a specific payment that is taken at the same time.

To start taking Direct Debit payments, you just need to notify them via “Advance Notice” to let them know a payment is leaving their account. This is usually done in writing or by email and needs to be approved by your sponsoring bank.

The beauty of Direct Debit for fixed payments, there’s no need to keep notifying customers – an initial notification is enough before payment is collected.

However, for variable amounts, advance notice is needed before any change and must include the payment date and amount.

What is the difference between a bureau service and a facilities managed service?

A bureau service is for organisations who have or are planning to get their own Service User Number. Facilities managed services are typically for smaller businesses looking to get set up straight away and use a third-party’s SUN to set up Direct Debit payment.

Read more about our bureau services and facilities managed services