
Direct Debit Services
Our cloud-based solution for AUDDIS, ADDACS and ARUDD
Direct debit is one of the UK’s most widely used ways for organisations to collect regular payments from customers – but Oracle Cloud does not fully provide this capability as standard, leaving organisations to manage Direct Debit processes through manual workarounds or additional solutions.

How Namos helps
Namos’ Direct Debit Services solution fills that gap, bringing a fully integrated, cloud-based direct debit capability into your Oracle Fusion environment.
What it does
The solution covers the three core direct debit services that organisations need to operate the scheme effectively:
AUDDIS – Automated Direct Debit Instruction Service
Enables you to send new Direct Debit Instructions to your customers’ banks electronically, removing the manual processes and paperwork that would otherwise be involved.
ADDACS – Automated Direct Debit Amendment and Cancellation Service
Streamlines the handling of direct debit amendments and cancellations, making sure you receive updates quickly and with a significantly reduced risk of error.
ARUDD – Automated Return of Unpaid Direct Debits Service
Manages the automated return of unpaid direct debit payments from banks, keeping your records accurate and your team informed without manual intervention.
Together, AUDDIS, ADDACS and ARUDD give organisations a more automated way to manage Direct Debit instructions, amendments, cancellations and unpaid returns from within Oracle Fusion. This custom offering has added value to numerous Oracle Cloud Customers in the market already, such as Knowsley Metropolitan Borough Council.
How Namos Direct Debit works
The solution embeds directly within your Oracle Fusion Applications screens, giving your team immediate access to Direct Debit functionality without switching between systems. It validates bank accounts through a Modulus Check before any customer is set up for Direct Debit, and automates the transfer of Direct Debit Instructions between your organisation and the bank.
The system sends advance notice letters to customers ahead of collections, keeps them informed of any future changes, and generates custom reports for every part of the direct debit process – delivered to a designated email address for tracking, auditing and reporting purposes. It can be configured for both individual and organisation type customers within Oracle Fusion.

Benefits of Direct Debits Services
No manual processing
Managing direct debits manually is time-consuming, error-prone and difficult to audit. Our solution removes all of that.
Full auditable reporting, no paper involved – all automatic
We automate the end-to-end process, eliminating paperwork and giving your team full reporting capability to meet audit requirements with ease.
Reduces errors, saves time
What you get is a faster, more accurate and more cost-effective way to collect regular payments, freeing your team from routine administration and reducing the risk of errors that affect customer relationships.
Speak to an expert about
Direct Debit Services
If you would like to find out more about how our Direct Debit Services solution works within Oracle Fusion, contact us and a member of the team will get back to you.
Customer success story
With an extensive remit covering 700 functions and over 1,200 statutory responsibilities, the council is preparing for a future with significantly fewer resources.