An ARUDD report lists any Direct Debit payments that have been returned unpaid. These reports are usually received within one to three working days after the collection date. A Direct Debit (DDI) may fail for several reasons, as outlined below.
📌Note: If you use your own Service User Number (SUN), any unpaid Direct Debits will be automatically taken from your bank account by your sponsoring bank.
📌Note: If a payer cancels a Direct Debit and it has been archived, it cannot be reinstated. A new Direct Debit instruction must be created.
If you receive an ARUDDS message stating 'Ignored ADDACS/ARUDDS code for contact because bank details in report do not match customer bank details in the system,' this means the system has already been updated and the information in the report no longer matches the current records. No further action is required.
View and download an ARUDD report
Click the Direct Debits tab on the left hand side.
Select the Bacs tab.
Click the Action Log tab, then use the Filters panel to select your report criteria:
Bank Reference: Enter this to view a specific contract.
Date Range: Select a From and To date to filter results for a specific period.
Bacs Report Type: Select ARUDD.
Reason Code: Leave blank to view all codes, or enter a specific Bacs code to filter results.
Select Apply to generate the report and review the filtered results displayed.
Click Download CSV to export the report for further review.
ARUDD reason codes and consequences
Code | Reason | Circumstances | Consequences |
0 | Refer to Payer | Insufficient funds in the customer’s account, or the bank was unable to process the payment due to other routine internal reasons. | Contract remains active payments continue as normal - payment is represented if this option is switched on. |
1 | Instruction cancelled | Instruction cancelled by customer or their bank. | Contract is cancelled - new DDI must be obtained before Direct Debit can be restarted. |
2 | Payer deceased | Payer is deceased. | Contract is cancelled. |
3 | Account transferred | Account transferred to new bank. | Contract is cancelled - new DDI must be obtained before Direct Debit can be restarted. |
4 | Advance notice is disputed | Customer disputes date, amount or frequency of advance notice. | Contract is cancelled - new DDI must be obtained before Direct Debit can be restarted. |
5 | No account/or wrong account type | Account number is not recognised at the paying bank. | Contract is cancelled - new DDI must be obtained before Direct Debit can be restarted. |
6 | No instruction | No instruction held at paying bank. | Contract is cancelled. |
7 | Amount differs | Customer states the amount of the DDI differs from the advance notice. | Contract is suspended- refer to payer to resolve dispute. |
8 | Amount not yet due | Customer states date of debit differs from advance notice. | Contract is suspended - refer to payer to resolve dispute. |
9 | Presentation overdue | Presentation overdue. | Payer states date of presentation is more than three working days after due date on fixed DDI or Advance Notice to payer. |
A | Service user differs | Identity of service user differs from DDI. | Contract is cancelled. |
B | Account closed | Customer has closed their account for unknown reason. | Contract is cancelled - new DDI must be obtained before Direct Debit can be restarted. |
📌Note: If you have a query about any of these reason codes, please reach out to our support team and request to speak to an agent.
Restart a Direct Debit cancelled by ARUDD
To restart a Direct Debit cancelled by ARUDD, please follow the steps outlined in Restart a cancelled contract.
Cancel and archive contracts option
This feature ensures that any cancellation Bacs messages received are automatically processed, and the relevant contracts are cancelled and archived within Access PaySuite. If you would like this feature enabled, please reach out to our support team and request to speak to an agent.