Introduction to Direct Debit Mandate Processing

This guide briefly explains how to upload the file received from Vocalink with Direct Debit origination details. The Direct Debit Originator (DDO) details are stored in Temenos Transact and the originator details of the mandate are validated against the DDO by the paying Bank.

The new functionality covers initiation, amendment and cancellation of mandate by the service user and in this process BACS message files (AUDDIS) will be generated. It will also entail direct debits processing from the role of a paying bank. The paying bank will be able to validate the service user against the DDO (Direct Debit Originators) directory during inward mandate processing. Paying bank can initiate a cancellation of mandate which generates ADDACS files to be sent to the service user.

Click here to understand the terms and abbreviations used in this functionality.