Validate Plus
Securing your data accuracy
Validate Plus adds a powerful layer of real-time data validation to your Direct Debit sign-up process,
supporting KYC, catching errors and preventing fraud.
The real cost of incorrect data
In our digital world, it’s easy to take data accuracy for granted. But a significant number of Direct Debit headaches are caused by simple data entry errors, often made at the point of sign-up. As soon as a faulty instruction is sent, the damage is already done: you face the cost of re-presenting payments, managing customer disputes, and take a reputational hit.
Validate Plus ends this problem, by running real-time Direct Debit validation checks the moment a customer signs up: eliminating mistakes and flagging fraudulent details before a single collection is attempted.
Validate Plus enhances your Direct Debit service
Validate Plus sits neatly within your existing sign-up journey, running checks automatically as customers enter their details. No disruption to your workflow, no heavy-lifting for your team.
Fortify your customer verification procedures
Modulus checks
Ensure your Direct Debits work first time by validating sort code and account number combinations instantly.
Postcode validation
Used to confirm the address as part of the Direct Debit sign up process, widely accepted for KYC across various banks.
Email verification
Ensure customer contact details are accurate, so your important communications reach your customer, meeting Direct Debit rules.
Phone verification
Confirm the landline or mobile number provided is real, ensuring accurate customer contact details before they enter your database.
Confirmation of payee (CoP)
Ensure payments are sent to the intended recipient, helping to avoid accidental or misdirected payments, as well as providing fraud protection.
Benefits of Validate Plus
Bacs compliance and enhanced security
KYC helps businesses comply with regulatory requirements imposed by authorities, such as financial regulatory bodies like Bacs and anti-money laundering (AML) laws.
Streamlined operations
Streamline operations by ensuring accurate and reliable data, reducing delays and optimising process efficiency.
Better data quality
Validating customer payment details before submitting a Direct Debit instruction, minimises the risk of getting failed payments and removing the impact of human error.
Confidence in transactions
Prevent fraudulent activities by verifying the authenticity of customer identities.
Improved customer experience
Implementing KYC measures demonstrates a commitment to customer security and compliance, fostering trust and confidence amongst clients.
Support for growth
By minimising risks and streamlining operations, your business is better positioned to achieve sustainable growth
Built to meet Bacs standards
Validate Plus is designed to support full compliance with the Direct Debit scheme rules and wider KYC obligations. Every verification check is built around the standards set by Bacs and the Payment Services Regulations, helping you meet your responsibilities without the administrative burden.
Your customers’ data is handled with the same rigour as the rest of the London & Zurich platform — securely processed, properly protected, and audit-ready. For full details on how we protect your data, visit our data security page.
Ready to make Direct Debit work harder for your business?
Ready to stop failed payments before they start? Speak to one of our Bacs experts about adding Validate Plus to your Direct Debit service.