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A Bureau Service is an organisation that creates and presents electronic Direct Debits to member Banks (sponsoring banks) on behalf of a totally independent third party organisation.

The provision of a Direct Debit collection service by any person not being a Member or an Originator is prohibited (as being a form of unauthorised participation in the Scheme) save and unless where:

• The Direct Debit collection service is provided by such person for and on behalf of an Originator using (only) for such purposes the OIN attributable to such Originator (and with the permission and authority of such Originator); and

• The amount of any Direct Debit the subject of such collection service is lodged or transferred into the bank account of such Originator (and accordingly not into any bank or other account held or maintained by the person providing such collection service or their agent).

• Thus, any person(s) providing such a collection service must send their files to the bank of the Originator for whom they are providing such services. Therefore, the bureau service must be in a position to present files to all member banks.

• All bureau services should be registered with IPSO, to register please download the registration form HERE and send it to IPSO.