Supporting digital transformation with paperless direct debit

Nine in ten UK consumers use Direct Debits to pay some or all of their bills, that’s according to UK Finance who report that in 2017 there were 4.2 billion payments worth £1,305 billion transacted using the scheme.

 

Not surprising you might say, given that Direct Debit works for most people – consumers and businesses alike – as it provides a simple, straightforward and cost-effective way to collect regular or occasional payments.

 

Even if you’re already a user of Direct Debit, your business may not be taking advantage of all the benefits the scheme offers.

 

 

Go paperless

 

If you are still using paper Direct Debit Instructions to sign up customers, a switch to using AUDDIS (the Automated Direct Debit Instruction Service) can deliver major benefits for what might initially seem like too small a change to be worth the effort.

 

Using AUDDIS, the original paper Instruction is now retained by you, and not the bank. So whilst you can still chose paper-based processes to get your customers onboard, you can then simply send or “lodge” the details electronically with the customer’s bank via Bacs-approved software or a bureau.

 

But why stop there? Waiting for your customers to return a paper mandate can be very frustrating, and what if you then can’t read their handwriting? Not only that, but the delay now introduced – as well as the chasing up to clarify – costs you time and effort, and may risk a customer to change their mind about the sale, be distracted by a competitor, or lose confidence in your ability to deliver.

 

 

Save Cost and boost efficiency

 

Paperless Direct Debit, which is only available to AUDDIS users, takes this even further by offering the scope for greater cost and efficiency savings, as well as aiding your environmental goals. With Paperless, you simply capture all your customer’s details right at the point of sale (via a sign-up page on the internet for instance) without the need for them to sign a paper Instruction at all.

 

Capturing an instruction in this way means it’s automatically stored without the need for any further re-keying, then transmitted electronically all the way through to the bank.

 

This has many benefits for your business: it ensures accuracy, removes the window for doubt or another party to interfere, and lowers the effort and costs involved in processing. Sounds good, right? Well that’s not all…

 

 

Collect the first payment faster and earlier

 

AUDDIS allows collection of the first Direct Debit from just two working days after DDI lodgement, and of course with Paperless you don’t have to wait for the customer to complete and post the DDI back to you first.

 

 

Less time, effort..and paper!

 

AUDDIS and Paperless eliminates the paperwork and postage involved in setting up Direct Debits, lowering your costs (postage, printing) and reducing time and effort by your staff.

 

 

Right first time

 

Details can be checked and validated right at the point of capture, removing the need for costly and time-consuming efforts to correct any discrepancies later on. Capturing them both directly and electronically means there’s far less chance of errors creeping in through re-keying or interpreting handwriting.

 

 

Customer satisfaction

 

In this digital age, signing up for services online is not only preferred, it’s widely expected. By asking a prospective customer to download, print and complete a paper Instruction, and then relying on them to remember to post it back to you, gives them many opportunities to forget, lose interest or pass you by in favour of someone else who is offering an easier way to pay. With a faster process and fewer issues customer confidence in your business remains high and means fewer inbound queries for your support team to handle.

 

The Public Sector Paperless Awards recognises innovative use of digitisation within Government. Paperless direct debit is one way organisations are supporting their digital strategy journey.

 

Is it time to drop the paper, save yourself time and money, and do your bit for the environment?

 

Need to review your payment processes? We’re here to help.

More from our knowledge hub

paygate v3 features & benefits

Single sign-on *Coming in 2024 for V3

✓

 paygate on prempaygate v2paygate v3
Security policy manager * Includes: password complexity manager, inactive timeout, time restrictions, IP address restrictions
✓✓✓
AWS ISO27001 hosted * Primary fail over and back up UK data centres
 ✓✓
SFTP file uploads/downloads *Secure way to move files across the internet, customers can use their own certificates
✓✓✓
Gemalto security tokens MFA✓✓✓
Email MFA  ✓
SMS MFA✓✓✓
APP MFA *
Works with common auth apps such as Google Authenticator, Authy.
Works on Android or iOS.
  ✓
PG Platform ISO27001  ✓
Fraud tool *Currently support Blacklists and Whitelists.
In a blacklist you add various sortcodes / account numbers and the system will prevent any payment to those accounts.
In a whitelist you add sortcodes and account numbers and the system will ONLY allow payments to accounts on the whitelist.
We include various tools to help build and maintain the lists.
  ✓
GDPR subject access request *
Search tools to help perform a GDRP lookup.
Then can optionally ‘sanitise’ personal data from the system.
✓✓✓
GDPR Data cleansing *Remove historical data by bulk or individual.
  ✓
Browser compatbility *
We maintain support for Chrome, Edge and Firefox.
  ✓
Built for performance *
Version 3 runs on super modern, high-end infrastructure
  ✓
Single Platform *
Customers have a single user account that they can use across all services (Enterprise, Online, Validate, etc).
  ✓
Agent rebuilt key management system *
Very secure way to get files to and from the Paygate cloud.
Supports ways to automate files being sent into the paygate cloud and retrieving reports from the cloud.
Key management was rebuilt for V3 to further increase security.
  ✓
HTTPS uploads/downloads *

paygate v3 supports both SFTP and HTTPS.
  ✓
In browser File and Folder handling *
Allows customers to securely organise their files and folders that are stored on paygate
  ✓
PG on prem PG Ev2 PGv3
Logging tickets by email ✓ ✓ ✓
Logging tickets by portal ✓
Logging tickets by phone ✓ ✓ ✓
Dedicated account management ✓ ✓ ✓
Uptime improvements ✓
Ongoing development ✓
Bug fixing ✓
Auto File Import *Automatically imports a payment file and validates it. Users no longer need to manually browse for and import a file, paygate will do this in the background and present the validation results to the user.
✓
PG on prem PG Ev2 PGv3
Designer in browser * In V2 Workflows use an older style desktop app. In V3 workflows are built and managed in the Paygate Browser app. It’s much easier to deploy and manage.
✓
Designer 3rd party app ✓ ✓
Improved logging * A feature mainly for PS/CS to help them diagnose problems with workflows. Problems can be diagnosed and fixed faster.
✓
New scheduler triggers * A new trigger type that allows the user to set up a workflow like you set up a meeting in Outlook. For some, this is more flexible and easier to understand than using CRON.
✓
Triggers for multiple workflows * You can use a single trigger to start multiple workflows. It’s a simple feature that will make things easier to manage if you have a lot of workflows.
✓
Workflow validation * Troubleshoots new workflows, validation
✓
Workflow chaining * Allows a workflow to call another workflow. Using this you can simplify large complicated workflows in smaller separate ones. Easier to manage and diagnose issues.
✓
New nodes * Various new nodes that help to build new types of workflows or help manage existing workflows.
✓
Full documentation V3 will be fully documented with help guides and tutorials.
and tutorials *
✓
Multiple filename variables * Supporting multiple filename variables should make designing complex workflows a bit easier.
✓
Future developments * Pure Excel Importer – XLSX; BACS Calendar Widget; Workflow Timeline; Workflow / Mobile App notification / management; S3 Connector
✓
Download and distribute A Reports * When you have workflow and HSM you can automate the entire BACS report download process. They can automatically be converted to other formats for integration into finance apps. They can be emailed to customers as html, pdf or zips. They can be made available for collection via SFTP. Or, if you use Agent, they can be security delivered to the customer’s private network.
✓ ✓ ✓
Partial submission ✓ ✓ ✓
Lightsout submission * No signing
✓ ✓ ✓
Standard nodes for initiation ✓ ✓ ✓
PG on prem PG Ev2 PGv3
Batched bureau submissions ✓ ✓ ✓
Manual & Automated submission builder ✓ ✓ ✓
Customer import ✓ ✓ ✓
Bacs reporting tools ✓ ✓ ✓
Recall Bureau Customers by ID ✓
Submission Re-entry * Complete your submissions over any amount of time
✓
Familiar workflow throughout *It will be familiar to V2 customer but they will notice improvements.
✓
Revamped manual submission mode *This is completely new in V3 Bureau. Those customers wanting a more manual way of building their submission (Rather than using Jobs) will find a new, efficient way of working.
✓
Drag and drop files from anywhere *Like in other areas of V3. User can just drag and drop file in Bureau for processing. They can also use the Restricted File Browser and Server file browser – that add more security – if they wish.
✓
Support for multiple file formats per submission * No longer limited to single Standard 18 submission for example
✓
Better default filename support *Makes working with files easier.
✓
Usage Reporting over data range *Small but useful improvement to reporting. User can set a date range on the usage report.
✓
PG on prem PG Ev2 PGv3
Validate *Validate is integrated in V3 and so customers that have both products can access them from the same client with the same account.
✓
API Access *Validate API and the Payment API.
✓
4x Faster ✓
Save Submissions *Save an ‘in-progress’ submission and return to it later. Build up a submission during the day
✓
Improved payment and submission searching ✓
Customisable dashboard *Many useful, module specific, dashboard widgets, e.g. Payments, collections, workflow, etc.
✓
PG on prem PG Ev2 PGv3
Enhanced reporting including real-time usage ✓

Thank you for your interest in paygate v3.

Please complete the form below and your Account Manager will be in touch to arrange a call.