Funds straight into your own bank account, for one flat monthly fee. Irish specialists since 2015.
No setup or per-transaction fees
No minimum term contract
Irish-based support
Add your customer's name and email address and you're ready to start collecting
Setup the collection, your customer approves electronically or via paper mandate
Watch your money arrive and simplify your bank reconciliation.
Businesses small and large too often spend time chasing customers for payment. Through working with our customers we've learned a great deal about the value direct debit delivers to businesses.
The use case in this short video may apply to your business, contact us to learn more about how people gain from introducing SEPA direct debit in their operation.
With DebaPay Essentials, you run your own collections. You store your customers’ mandates and set up collections in our portal, which creates your collection files. You then upload each file to your bank, authorise it, and check your bank’s reports for any failed direct debits.
Essentials also includes SEPA Credit Transfer Bulk Payments (launching March 2027), which lets you prepare your supplier and staff payments in the portal and creates a SEPA payment file, ready for you to upload to your bank and authorise.
With DebaPay Managed, we do the work for you. You set up your collections in the portal, and when each one is due, we create the file, upload it to your bank and authorise it on your behalf. We also watch for any failed direct debits and tell you clearly what happened, so you only need to follow up the exceptions. With either package, your business name appears on your customers’ statements, and the money goes straight into your own bank account.
Which suits you?
Essentials suits businesses that are comfortable using their bank’s online file upload and have time on collection days. Managed suits growing businesses that would rather hand the task to specialists. Some customers have started on Essentials and moved to Managed as they grew, you can switch at any time.
Essentials costs €80 a month plus VAT (€140 where both Direct Debit and Bulk Payments, from March 2027), and Managed starts at €250 a month. All prices exclude VAT.
No. DebaPay has no setup fees and no per-transaction fees. You pay a flat monthly fee.
DebaPay Essentials: €80 a month, however many collections you make and whatever their value (€140 with both Direct Debit and Bulk Payments, from March 2027).
DebaPay Managed: €250 a month for up to 1,000 collections a month. Above that, we can give you a quote.
All prices exclude VAT. DebaPay’s fees are billed separately and never deducted from your collections, so the full amount you collect goes to your account.
Your OIN (Originator Identification Number) is your SEPA creditor identifier. Your bank issues it, and it identifies your business as the one collecting on every direct debit.
An OIN looks like IE22SDD12345 or IE22ZZZ12345, depending on which bank issues it.
To get one, you apply to your bank for sponsorship onto the SEPA Direct Debit scheme as an Originator.
Your bank will want a rough idea of the value you aim to collect each month, as it assesses the risk of payments being refunded to your customers. This assessment is why approval can take a few weeks, so it’s worth applying early.
If you haven’t applied yet, we’ll guide you through where to start and what to have ready.
There’s no minimum term, so you’re never locked in. When you join, you agree to our Merchant Terms & Conditions, which set out how the service works.
DebaPay’s fees are billed monthly in advance. If you decide to leave, just give us one month’s notice in writing, for example by email. Your service, and your fees, end when the notice period ends. Fees already paid for the current month aren’t refundable.
Yes. The key is planning the move so your collections carry on without a gap, and we’ll help you do that. You’ll need your own OIN from your bank, so apply early, ideally a couple of months before your current contract or renewal date. We can guide you through the application.
Once your OIN is issued, your mandates and collections are set up in DebaPay, and you choose a cut-over date. Your last collection with your current provider and your first with DebaPay are timed so no payment is missed or taken twice. From then on, collections go straight into your own account, under your own business name.
