Introduction to Direct Debit Mandate Processing

This guide briefly explains how to upload the file received from Vocalink with the 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 the initiation, amendment and cancellation of a mandate by the service user and in this process, the 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. The paying bank can initiate a cancellation of a mandate which generates the ADDACS files to be sent to the service user.