Subscriptions: Direct Debit
Direct Debit collection for memberships and subscriptions.
Direct Debit is one of the rails Synapto Subscriptions runs on, alongside card. Collect memberships, retainers and invoices from UK bank accounts on Bacs, on the day you choose, under a mandate the payer signs once.
Where Direct Debit fits among the rails
Every recurring rail has a job. Direct Debit is dependable and low friction for a fixed amount on a regular date: the payer signs a mandate once, and each collection draws on their bank account on the day you set. The trade is time. A Bacs collection is submitted ahead of the date and runs on a three working day cycle, so the money is slower to arrive than from a card. Card is faster to cash and more flexible when an amount changes.
Synapto Subscriptions runs both from one engine, so you can offer each customer the rail that suits them, and a collection that fails on one rail can be tried on another the customer has set up.
Why Direct Debit
Built for memberships, retainers and invoicing
If the same customers pay you a similar amount on a regular cycle, Direct Debit collects it from their bank account on the day you choose, under one mandate they sign online. Every collection is covered by the Direct Debit Guarantee, which payers recognise.
- Collect on the day you choose
- Online mandates, lodged through AUDDIS
- Protected by the Direct Debit Guarantee
- Runs inside Subscriptions, alongside card
From first mandate to first collection
Tell us how you bill
Memberships, subscriptions, invoices, or a mix. We map the collection schedule to how you already work.
Customers sign a mandate once
A simple online mandate, lodged with the payer's bank through AUDDIS. No paper forms, no bank visits.
Collections run on schedule
Each collection is submitted on the Bacs cycle ahead of the date you set. Failures come back with a reason and are flagged to you, not buried in a report.
A person watches it with you
A named contact who knows your collection cycle, not a ticket queue.
Asked before setting up
Yes. Every collection is covered by the Direct Debit Guarantee, which protects payers against errors and entitles them to an immediate refund from their bank if something is collected in error.
Bacs runs on a three working day cycle: a collection is submitted on day one, processed on day two, and taken from the payer's account on day three. The submission is made ahead of the date you set, so a change to an amount or date needs planning in advance.
Payers are given advance notice of the amount and date of their collections, normally ten working days before a changed amount or date unless they have agreed otherwise. See Direct Debit mandate for how the mandate works.
In most cases yes, without your customers needing to sign up again. Tell us who you collect with today and we will confirm what the transfer looks like before you commit.
Yes. Direct Debit and card are both rails of Synapto Subscriptions. Many businesses offer both: Direct Debit for a fixed membership fee, card for customers who prefer it or for amounts that change. If a collection fails on one rail, it can be tried on another the customer has set up. Both are set up with Synapto, with one person to call.
Set up Direct Debit collection
Tell us how you bill today and we'll show you how it runs on Direct Debit within Synapto Subscriptions, alongside card.