What is a bulk change in Direct Debit processing?
A bulk change is a formal process used to transfer active Direct Debit mandates from one payment service provider to another. This ensures that your business can continue collecting payments from customers seamlessly, without requiring them to re-authorize their Direct Debits. It's designed to maintain continuity and minimize disruption during transitions such as changing providers or restructuring your business.
📌Note: If you require assistance with the bulk change process, please contact our Access Digital Assistant for support. If the assistant can't resolve your query, you're connected to a support agent for further investigation.
How the bulk change process works
The bulk change process involves updating the details of every active Direct Debit mandate. Specifically, it modifies:
The Service User Number (SUN) - a unique identifier assigned to your business for Direct Debit collections.
The reference associated with each mandate - used to identify individual payments.
Although these changes are administrative and don't require any action from your customers, you are legally required to notify them of the updates. This communication reassures customers that their payments will continue as expected and that no further action is needed on their part.
When is a bulk change necessary?
A bulk change may be required in several scenarios, including:
Switching Direct Debit providers - for example moving from one Facilities Managed (FM) provider to another.
Business restructuring or sale - If your company is being sold or merged, and the SUN needs to be transferred to a new entity.
Transitioning from an FM SUN to a BACS-approved SUN - if your business is growing and you're moving to manage Direct Debits independently.
Key benefits of a bulk change
No disruption to payment collection.
No need to re-authorize mandates.
Maintains customer trust and confidence.
Ensures compliance with BACS regulations.