BRIAPI AutoDebit vs London & Zurich Direct Debit

BRIAPI AutoDebit is BRI’s API for collecting recurring payments from customer accounts into a company account. It supports agreed schedules for monthly bills, installments, and other periodic payments that do not require a new manual instruction each time. Companies can register customer accounts, update account details, and deactivate accounts to stop regular debits. Callbacks report debit timing and amount, including variable amounts, and update debit status on the partner side. Use requires the company to be a BRI partner, registration of customer accounts, and customer authorization for BRI to access those accounts and initiate debits. BRI advises companies to prioritize customer data security and privacy. BRIAPI connects third-party applications with BRI services, and eligible users include startups, private and public companies, schools, hospitals, and municipal waterworks. Registered users can receive a testing API key and use a sandbox with example data. Detailed technical documentation is available from BRI’s API team. AutoDebit pricing is on request; BRI says general service fees start at Rp 0 per hit and may be adjusted by agreement.

London & Zurich Direct Debit provides collection services and administration software for businesses. It supports regular, recurring, and one-off payments after customers authorise Direct Debit collection. The DDMS portal handles mandate creation, Bacs submission, compliance, reporting, failed payments, reconciliation, accounting, and scheduling. Businesses can use their own Service User Number or operate under London & Zurich’s; the company says it can obtain one through its sponsor bank for organisations without a SUN. Integration options include a RESTful API, accounting connections, a test environment, developer documentation, and specialist integration support. API access is included within a solution, with costs depending on integration needs and setup. The service can be white labelled so bank statements show the customer business’s name. London & Zurich describes AWS hosting, UK-based servers, multi-factor authentication, 24/7 monitoring, Cyber Essentials Plus, FCA authorisation, and Bacs Approved Bureau status. Pricing is on request, with Business, Foundation, and Enterprise/Reseller options.