Bacs reports and reason codes

Direct Debit can be confusing. At SmartDebit our goal is to make it clear, simple and easy to understand.




Bacs Direct Debit reports contain messages which are generated by the bank which holds the account from which you are collecting a payment. For example, you may receive an advice noting that the payer bank account you are trying to collect from has been closed.

Each report is for a separate notification type and contains a line for each event of that type. The different reports and their reason codes are described in the following pages.

ARUDD reports

Automated Return of Unpaid Direct Debits. ARUDD reports detail any unpaid Direct Debits, listing the collections that could not be applied and the reason. You should update your records accordingly.

For a comprehensive list of the ARUDD reason codes

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ADDACS reports

Automated Direct Debit Amendment and Cancellation Service. ADDACS reports detail any Direct Debits that have been amended or cancelled by the payer with their bank. You should update your records accordingly.

For a comprehensive list of the ADDACS Reason Codes

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AUDDIS reports

Automated Direct Debit Instruction Service. AUDDIS reports detail Direct Debit Instructions (DDIs) that could not be applied by the recipient bank/building society. It is considered best practice to apply DDI amendments and cancellations immediately or within 3 working days from receipt to ensure the accuracy of the Direct Debit collection and that your own records are updated to reflect the same.

For a comprehensive list of the AUDDIS Reason Codes

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DDIC reports

Direct Debit Indemnity Claim. DDIC reports detail any indemnity claims raised by your payer. Under the Direct Debit Scheme Rules, paying banks are required to refund the payer in the event of an error. Paying banks will use the indemnity claim process to report the claim and to reclaim the refund from the service user. You should update your records accordingly.

For a comprehensive list of the DDIC Reason Codes

Find out more

Bacs accredited training

Our popular one-day training course, “Direct Debit Made Easy” helps explain how to set up Direct Debits, how the Bacs cycle works and some of the key issues that can arise.

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