Release Notes - 2025

19th February 2025

SmarterPay have added Bacs core reference functionality to SmarterPay Cloud and SmarterPay Cloud API.

Core references can be used to more acurately match Direct Debit payments with a Direct Debit Instruction (DDI or Mandate).

The way this works is as follows:

A new Mandate is created with a unique core reference, for example “MA10867326”.
All payments that are created for the Mandate contain the core reference, plus a payment reference, for example “MA108673260001” for the first payment, “MA108673260002” for the second payment, and so on.

Changes, in SmarterPay Cloud, for this new feature, are:

API
- AUDDIS references cannot contain lowercase alpha characters. Valid characters: A-Z, 0-9, “/”, “-”, “.”, “&”, “ ”.
- Core reference validation added to Mandate creation, when core reference is enabled on client.
- “mandate” and “users_reference” properties added to Direct Debit creation.
Portal
- Core reference validation added to Mandate creation, when core reference is enabled on client.
  - Creation using the Portal.
  - Creation using the Payment Wizard.
  - Creation of the Ecommerce Link.
- “Users Reference” field added to Direct Debit Payments.
Webhooks
- “users_reference” property added to the V2 Direct Debit Payment webhook.

Direct Debit payments, when cancelled, will now no longer have their amount set to 0.

Payment records in SmarterPay Cloud are now split by type, so Card payments are now kept separate from Direct Debits.

Changes, in SmarterPay Cloud, for this new feature, are:

Portal
- The “Payments” menu item has been renamed to “Direct Debits”, and no longer contains Card Payments.
- Card Payments are now in their own area called “Card Payments”, and have a prefix of “P02”.
- The “Scheduled Payments” menu item has been renamed to “Scheduled Direct Debit Payments”, and no longer contains Card Payment Schedules.
- Card Payment Schedules are now in their own area called “Scheduled Card Payments”, and have a prefix of “RS02”.