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ClearDebit

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What ClearDebit is

ClearDebit provides Direct Debit processing services, software, and training for businesses collecting payments through Bacs. Its Mosaic options cover file submission and broader cycle management: Mosaic Submit sends files to Bacs and returns reports with an audit trail, while Mosaic Managed supports the full Direct Debit cycle, including advance notice letters and transaction codes before processing. Businesses can collect one-off, regular, or variable payments and manage payment timing and changes in the software. Mosaic users can 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 FCA and Bacs data-protection rules. For in-house software users, processed collections go directly to the business’s bank account; ClearDebit says it does not hold funds. Bureau integrations can send Bacs files and retrieve reports using SFTP or an API. A business needs a Service User Number (SUN) to use the services, and ClearDebit says it cannot currently support businesses without one. Pricing is on request.

Who it suits

Mosaic is aimed at businesses with internal resources to submit Direct Debits or manage the process in-house. It requires a Service User Number (SUN).

What it does well

Mosaic Submit returns reports with a full audit trail.
Mosaic Managed supports the wider Direct Debit cycle.
Supports one-off, regular, and variable payments.
Bureau integrations can use SFTP or an API.
In-house software collections go directly to the business’s bank.

What to know first

A Service User Number is required.
Businesses without a SUN cannot currently be supported.
Pricing is on request.

Limits

Businesses need a Service User Number to use ClearDebit, and the company says it cannot currently support businesses without one. There is no stated processing count or value limit through its Bureau or software when a business holds a bank-sponsored SUN.

Getting started

Visit the ClearDebit website.
Confirm that your business has a Service User Number.
Contact ClearDebit for pricing and service details.
Choose Mosaic Submit or Mosaic Managed based on the Direct Debit work you want to handle.
For Bureau integrations, use SFTP or an API to submit Bacs files and retrieve reports.

Verdict

ClearDebit offers distinct Mosaic options for submitting Bacs files or managing more of the Direct Debit cycle. Businesses should confirm SUN eligibility and request pricing before proceeding.

Questions

How is ClearDebit priced?

Pricing is on request.

What is the difference between Mosaic Submit and Mosaic Managed?

Mosaic Submit sends Direct Debit files to Bacs and returns reporting with an audit trail. Mosaic Managed supports the broader cycle, including advance notice letters and transaction codes before Bacs processing.

Does a business need a Service User Number?

Yes. ClearDebit says a business needs a Service User Number (SUN) to use its products and services, and that it cannot currently support businesses without one.

Can ClearDebit collect one-off and recurring payments?

Its services support one-off, regular or variable Direct Debit payments.

How do Bureau integrations connect?

They can use SFTP or an API to upload Bacs files and retrieve reports. ClearDebit also says it integrates with a range of membership CRMs, without naming them.

Does ClearDebit hold collected funds?

For in-house software users, ClearDebit says processed collections go directly to the business’s bank account and are not held by ClearDebit.

Facts from ClearDebit's own pages

API: ClearDebit Bureau integrations can use either SFTP or an API to upload Bacs files and retrieve reports. · docs.cleardebit.com, 4 Oct 2026
Company history: ClearDebit says it has helped businesses with Direct Debit since 1993. · cleardebit.com, 4 Oct 2026
Compliance: ClearDebit says it is Bacs Approved for its Bureau, Mosaic software and Training. · cleardebit.com, 4 Oct 2026
Customer protection: The company says Direct Debit customers are protected by the Direct Debit Guarantee. · cleardebit.com, 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, 4 Oct 2026
Founded: 1993 · cleardebit.com, 28 Sept 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, 4 Oct 2026
Headquarters: 107 Cheapside, London, EC2V 6DN, UK · cleardebit.com, 28 Sept 2026
Integration: ClearDebit Bureau integrations can submit Bacs files and retrieve reports using either SFTP or an API. · docs.cleardebit.com, 4 Oct 2026
Integrations: ClearDebit says it is integrated with a range of membership CRMs, but the page does not name them. · cleardebit.com, 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, 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, 4 Oct 2026
Mosaic Submit: Mosaic Submit sends Direct Debit files to Bacs and returns reporting, with a full audit trail. · cleardebit.com, 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, 4 Oct 2026
Payment controls: Mosaic software provides control over payment timing, reports, and the ability to manage changes within the software. · cleardebit.com, 4 Oct 2026
Payment types: Customers can collect one-off, regular or variable Direct Debit payments. · cleardebit.com, 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, 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, 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, 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, 4 Oct 2026
Software options: Mosaic Submit sends Direct Debit files to Bacs and returns reporting, while Mosaic Managed supports managing the full Direct Debit cycle. · cleardebit.com, 4 Oct 2026
Support: ClearDebit lists support by email at [email protected] and provides separate software support contact details. · cleardebit.com, 4 Oct 2026
What it does: ClearDebit provides services and software for businesses to process Direct Debits with Bacs. · cleardebit.com, 4 Oct 2026
Who it is for: The software is aimed at businesses with internal resources to submit Direct Debits and manage them in-house. · cleardebit.com, 4 Oct 2026

Where ClearDebit stands on Freedom251

Direct Debit Processing Software#15 of 22