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- ClearDebit
ClearDebit
107 Cheapside, London, EC2V 6DN, UK
What it is
ClearDebit provides Direct Debit processing services, software, and training for businesses collecting payments through Bacs. Its Mosaic Submit software sends Direct Debit files to Bacs and returns reports with an audit trail; Mosaic Managed supports the wider Direct Debit cycle, including advance notice letters and transaction codes before processing. Businesses can collect one-off, regular, or variable payments, manage timing and changes, and view payer and payment details, customer and Bacs reports, historical data, and automatically applied Bacs messages. ClearDebit says its Bureau, Mosaic software, and training are Bacs Approved, and that its Bureau and software follow data-protection rules set by the FCA and Bacs. For in-house software users, processed collections go directly to the business’s bank account; ClearDebit says it does not hold the funds. Bureau integrations can submit files and retrieve reports through SFTP or an API. The company has helped businesses with Direct Debit since 1993. Businesses need a Service User Number (SUN) to use its products and services, and ClearDebit says it cannot currently support those without one. Pricing is on request.
For and against
For
- Supports one-off, regular, and variable payments
- Mosaic Submit includes reporting and an audit trail
- Mosaic Managed covers the broader Direct Debit cycle
- Bureau integrations support SFTP or API
- Processed collections go directly to the business’s bank
Against
- Requires a Service User Number (SUN)
- Pricing is on request
The verdict
ClearDebit offers two Mosaic approaches, from file submission to broader cycle management, alongside Bureau integrations. Businesses without a SUN cannot currently use its services, and pricing requires an inquiry.
Who it suits
ClearDebit’s Mosaic software is aimed at businesses with internal resources to submit Direct Debits and manage them in-house. A business must have a Service User Number (SUN) to use its services.
On the record
- API
- ClearDebit Bureau integrations can use either SFTP or an API to upload Bacs files and retrieve reports.docs.cleardebit.com · read 4 Oct 2026
- Company history
- ClearDebit says it has helped businesses with Direct Debit since 1993.cleardebit.com · read 4 Oct 2026
- Compliance
- ClearDebit says it is Bacs Approved for its Bureau, Mosaic software and Training.cleardebit.com · read 4 Oct 2026
- Customer protection
- The company says Direct Debit customers are protected by the Direct Debit Guarantee.cleardebit.com · read 4 Oct 2026
- Eligibility
- Businesses need a Service User Number (SUN) to use ClearDebit’s products and services, and it says it cannot currently support businesses without one.cleardebit.com · read 4 Oct 2026
- Funds
- For in-house software users, ClearDebit says it does not hold funds; processed collections go directly to the business's bank account.cleardebit.com · read 4 Oct 2026
- Integration
- ClearDebit Bureau integrations can submit Bacs files and retrieve reports using either SFTP or an API.docs.cleardebit.com · read 4 Oct 2026
- Integrations
- ClearDebit says it is integrated with a range of membership CRMs, but the page does not name them.cleardebit.com · read 4 Oct 2026
- Limits
- ClearDebit says there is no limit on payment count or value through its Bureau or software when the business holds a bank-sponsored SUN.cleardebit.com · read 4 Oct 2026
- Mosaic Managed
- Mosaic Managed supports the full Direct Debit cycle, including advance notice letters and transaction codes before Bacs processing.cleardebit.com · read 4 Oct 2026
- Mosaic Submit
- Mosaic Submit sends Direct Debit files to Bacs and returns reporting, with a full audit trail.cleardebit.com · read 4 Oct 2026
- Notable limit
- ClearDebit says a business needs a Service User Number (SUN) to use its services and that it cannot currently support businesses without one.cleardebit.com · read 4 Oct 2026
- Payment controls
- Mosaic software provides control over payment timing, reports, and the ability to manage changes within the software.cleardebit.com · read 4 Oct 2026
- Payment types
- Customers can collect one-off, regular or variable Direct Debit payments.cleardebit.com · read 4 Oct 2026
- Processing limits
- ClearDebit says there are no limits on the number or value of Direct Debits processed through its Bureau or software when the business holds a bank-sponsored SUN.cleardebit.com · read 4 Oct 2026
- Reporting
- Mosaic users can view payer and payment details, customer and Bacs reports, historic data, and automatically applied Bacs messages in the software.cleardebit.com · read 4 Oct 2026
- Security
- ClearDebit says its Bacs Approved Bureau and software follow data protection rules and regulations set out by the FCA and Bacs.cleardebit.com · read 4 Oct 2026
- Security and funds
- ClearDebit says it follows FCA and Bacs data protection rules; its software does not hold funds, which go directly to the business’s bank account after Bacs processing.cleardebit.com · read 4 Oct 2026
