Streamline payment handling with SmartDebit

The smart choice for your business


Every year, we process £billions of payments for our customers accurately and efficiently, meaning Direct Debit is as straightforward as it should be.

It’s why we’re the smart choice for businesses that care about getting payment right.



SmartDebit is one of the UK’s leading and most trusted Direct Debit bureaux, specialising in timely and efficient payment processing.

We help utilities, insurers, IT providers, schools and colleges, charities, and a range of other subscription businesses get paid the correct amounts.

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We follow strict FCA safeguarding requirements to protect customers’ funds. Many bureaux operate on just one server, without any backup. At SmartDebit, we ensure maximum protection for customers’ sensitive data.

ISO 27001:2013 certification means you can be confident that your information is handled with absolute security and integrity.

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Flexible Direct Debit services

Tailored to your organisation’s need


Managed Direct Debit

A fully managed Bacs submission service that makes Direct Debit easy for businesses of all sizes.

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Bureau Service

Our Bureau service is designed for larger organisations, providing advanced features and additional controls.

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Accredited Training

Bacs accredited training designed to help you reduce errors and increase collection success rate.

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Cheque Processing

A cheque processing and imaging service designed to save you money and improve your cashflow.

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From small clubs to big utilities

Our customers include businesses, charities, sports clubs, schools and colleges.

  • As a business coming out of administration for the second time in 3 years, we had no credit worthiness. We had no merchant services to take credit cards with. We knew immediately that SmartDebit were the right company to do business with. We were able to build an interface to their API from scratch in two days and put Direct Debit sign-up online. I would encourage any business considering or using Direct Debit as a payment method to talk to them and learn how elegant and simple they are to work with.

    Portsmouth Football Club
  • We have been using the direct debit system operated by SmartDebit for a little over a year now. During the course of the past year we have set up over 2,000 DDs for parents paying for transport to College mainly and a smaller number for payment of course costs, tuition fees etc.. This was a major change of process for us but one which our staff and customers have embraced very happily. The web-based system itself if simple to operate and is pretty flexible in terms of dates and payment amounts. The back end reporting systems are good and we have found excellent customer service and support for any queries, training issues or customisation required. Its very quick to see what income has been collected and where payments have failed (within a few days of the collection date) and we are informed of what income is expected on each payment run too. This has given us a high degree of real time management information which has been a great improvement to our management capability. The audit trail is excellent too.

    Brockenhurst College
  • When setting up i-GO, our unique business model was completely dependent on establishing an efficient and cost-effective method for collecting monthly payments from new lens wearers which provide our primary source of income. Working with SmartDebit, we created a direct debiting system which has been rolled out to most of i-GO’s opticians and delivers a reliable service so that we are confident of monies being paid on time every month. The SmartDebit team are highly knowledgeable and extremely professional so that queries are dealt with promptly and we are confident that as i-GO grows, the first class SmartDebit service will continue to support our expanding and more complex requirements.

  • Payment Solutions T/A SmartDebit have worked with The London Mint Office since we began to trade in the UK in 2006. They advised us on our payment processing platform from conception, implementation through to live processing of the major payment types. They worked with us side by side in setting up services with our Bank which proved invaluable. With SmartDebit’s assistance we moved from an outsourced fulfilment and call centre to our own establishment which involved complex development of payment systems involving the UK, Norway and Germany. Our activities since then have grown substantially and we continue to seek advice and service from SmartDebit. We set up Direct Debits at the outset and are now investigating developing this further into online processing. We have found the services reliable which is critical in our marketplace. They have a solid understanding of the payment processing business across the board.

    London Mint Office
  • The SmartDebit solution has already proved to be a positive investment for Krome; the way that client payments are now set up, managed and received is fast, simple and effective. The finance team have all been impressed with the online management tool which is incredibly simple to administer; all in all the SmartDebit solution is a vast improvement on previous processes.

  • MAG selected SmartDebit as, out of all the providers we met, they were the most helpful and professional. Their costs also worked out more reasonable than many of their competitors. They gave us the confidence that their systems would integrate with our systems, and that they had the technical and systems knowledge to support the process. We are very impressed overall with the service they have provided.

  • First of all, I would like to say that the level of service and support from SmartDebit is unprecedented. I had the task of migrating all of our payers across from our previous software, a process I had previously gone through with that supplier and dreaded doing it again! However, from the initial phone call to the SmartDebit Sales team, I was given the confidence that I would get the support I needed and my main point of contact was there every step of the way. The migration of payers was absolutely seamless and the on-going payment processing administration is very easy to do. I am highly impressed by your professionalism and speed of response whenever I email or call with a query. I am very pleased with all things ‘SmartDebit’ and look forward to having a long lasting business relationship.

The Customer is the heartbeat of our business

Our aim is to make the Direct Debit collection process clear, simple and easy.

Our expert team at SmartDebit are on hand to help you at every step of the way from setup, through to implementation and beyond.

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