Powerful and Automated

The complete solution

SmartDebit Direct^® is a simple-to-use, secure and powerful Direct Debit and Direct Credit Bacs file submission solution.

SmartDebit Direct^® allows our customers to upload, validate and submit files to Bacs, including the option for three-stage authorisation of files. Our customers can upload files and retrieve reports via the intuitive web portal or directly via a secure private directory structure (SFTP). 

SmartDebit encrypt traffic to Bacs using dedicated Hardware Security Modules (HSM), which replace the need for our customers to have individual smart cards and smart card readers that are often bulky to carry around and costly. This automates much of the process and enhances the security and performance of submissions. If you require enhanced security login for individuals, we offer SmartDebit’s Yubikey service: a secure portable two-factor authentication service built into a small USB key.

Features of SmartDebit Direct^®

• Simple drag and drop function to bulk upload zipped or individual files
• Fast file validation including full modulus checks
• Multiple role configuration, allowing separate upload, approval and authorisation of files
• Two-factor authentication
• View/download reports for reconciliation of files sent
• View/download reports for new payers and reconciliation