ClearDebit review
ClearDebit suits organisations seeking managed Bacs processing with validation and audit trails.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
ClearDebit provides Direct Debit processing for businesses, charities, membership organisations, sports clubs and education providers. The product combines managed Bacs Bureau services with Mosaic software for organisations handling processing in-house. Mosaic Submit transmits Direct Debit files to Bacs and returns reporting, while Mosaic Managed covers the wider Direct Debit cycle, including advance notices and transaction-code handling. Paperless online forms, hosted payment pages, mandate management and validation features support both payment frequencies across domestic scheme coverage. ClearDebit is available through the web and cloud deployment, with a browser extension also listed.
Its strongest fit is for organisations that need structured Bacs administration rather than a narrow payment form. Real-time address and bank validation can be embedded in websites or applications, while paperless Direct Debit forms support online mandate collection. Bacs reporting and audit trails add operational visibility, and the managed service can cover the processing cycle beyond file submission. Organisations using ClearDebit's processing services or software need a Service User Number, making this a more appropriate choice for established Direct Debit operations than for teams looking for a lightweight, immediate setup.
The product's ecosystem is focused rather than broad. Listed integrations include SeatGeek and membership CRMs, which aligns with ClearDebit's stated audience of membership, sports, charity and education organisations. Support is available by email, phone and documentation, and the product has been offered since 1993 by ClearCourse. Pricing follows a contact-sales model, so buyers should discuss the appropriate combination of managed services, Mosaic Submit, Mosaic Managed and validation capabilities directly. Choose ClearDebit when managed Bacs expertise, mandate handling and validation are central requirements; consider an alternative if a broad integration catalogue or self-serve pricing is the priority.
ClearDebit pros and cons
- Where it wins
- Managed Bacs Bureau and full Direct Debit-cycle processing
- Real-time address and bank-detail validation
- Paperless forms with Bacs reporting and audit trails
- Where it doesn't
- Pricing requires contacting sales
- Integrations are listed for SeatGeek and membership CRMs
- Processing requires a Service User Number (SUN)
ClearDebit fact sheet, pricing and score →
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