NEXUM Direct Debits

The Direct Debits module works alongside BACSTel-IP software to manage the full Direct Debit lifecycle inside NEXUM. Users build payment arrangement plans (fixed or variable, with skip months or step-up schedules) and NEXUM submits the instructions to BACS automatically when due. When a Direct Debit is rejected, the workflow engine reads the reason code returned by BACS and triggers the most appropriate next action, whether that is a customer communication, a workflow re-routing, an alternative payment attempt or escalation to a specialist user.

The benefits flow directly to the bottom line. Manual setup effort is eliminated, which is significant for portfolios with thousands of arrangements. Rejection rework, traditionally a major drain on collections resource, is largely automated. Collection rate improves because rejections are remediated quickly and consistently rather than waiting in a queue. The audit trail is complete, which supports BACS compliance and customer dispute handling. Operational cost per collected payment falls, while the predictable cash flow from healthy DD books strengthens forecasting. For organisations with significant recurring revenue or payment plan portfolios, this module typically delivers rapid and measurable return on investment.