When a customer updates their Direct Debit details or a payment is unsuccessful, their bank sends a notification via a Bacs report. These reports, commonly known as ADDACS, ARUDD, and AUDDIS, provide key information about changes to Direct Debit instructions, failed collections, and newly set up mandates, helping you understand what has happened and what action may be required.
Each report includes a reason code that explains the notification and outlines any action required. For full details of each code and the appropriate next steps, please refer to the Bacs Reporting and Codes Guide.pdf.
Additional guidance:
ARUDD (Automated Return of Unpaid Direct Debit) – notifies you of failed or returned payments.
ADDACS (Automated Direct Debit Amendment & Cancellation) – informs you of changes or cancellations to a customer’s Direct Debit instruction.
AUDDIS (Automated Direct Debit Instruction Service) – confirms new Direct Debit setup submissions and highlights any issues.
ARUCS (Automated Return of Unapplied Credits Service) – reports Direct Credit payments that could not be applied and were returned.
AWACS (Automated Direct Debit Advice of Wrong Account for Credits Service) – notifies you of changes to a beneficiary’s bank details so you can update your records.
DDICA (Indemnity Claims) – raised when a customer disputes a Direct Debit, resulting in an immediate refund by the bank and the amount being reclaimed from your organisation.
View your Bacs reports
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: Leave as All types to view all reports, or select a specific type.
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.
📌Note: If you’ve received an email about unprocessed Bacs reports, please reach out to our support team and request to speak to an agent.