Glossary of Terms



Automated Direct Debit Amendment and Cancellation Service

Late receipt of information about Direct Debit amendments and cancellations can be costly in terms of both time and money. ADDACS streamlines the process and ensures that you receive information on amendments and cancellations quickly - and with dramatically reduced risk of error.

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Automated Return of Unapplied Credits Service

With billions of Bacs Direct Credits made annually, there are occasions when the data sent by an organisation contains incorrect information. ARUCS allows the receiving bank to return the Bacs Direct Credit automatically to the organisation via the Bacs service and give appropriate information by way of reason codes as to why the payment was unapplied.

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Advice of Wrong Account for Automated Credits Service

AWACS is a fast and efficient electronic messaging service allowing payment service provider​s (PSP) to notify service users of any changes to a Bacs Direct Credit payment, providing them with the information needed to help maintain their payments database.

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Direct Debit Indemnity Claim Advice

An Indemnity Claim (DDICA) is the notification of any payments which are being disputed by your Payer and these can be received at any time. One of the advantages of Direct Debit is that Payers are protected by the Direct Debit Guarantee, this encourages them to sign-up using this payment method over others.

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Real Time Information (RTI)

Pay As You Earn (PAYE) Real Time Information (RTI) is the process of matching payroll paid through Bacs Payment systems to individuals with the payroll data reported in real time. It provides confirmation of the amount paid into an individuals bank account to assist DWP with administration of all types of Universal Credit.

  • Last modified: 2023/07/06 13:23