ClearDebit vs Rotessa
ClearDebit
cleardebit.comRotessa
rotessa.comSide by side
| Figure | ClearDebit | Rotessa |
|---|---|---|
| Price from | — | $0.35/mo |
| Free plan | — | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| macOS | — | Yes |
| API | Yes | Yes |
| Plans published | 0 | 12 |
| Spec score · Direct Debit Processing Software | 7.6 (#9) | 8.5 (#2) |
| API | ClearDebit Bureau integrations can use either SFTP or an API to upload Bacs files and retrieve reports. | The public REST API uses API-key authentication at api.rotessa.com/v1, with a sandbox endpoint available for testing. |
| Company history | ClearDebit says it has helped businesses with Direct Debit since 1993. | Rotessa says Greg Lepp founded the company in 2010 after experiencing difficulty collecting tuition payments, and that it has grown without venture-capital funding. |
| Founded | 1993 | 2010 |
| Headquarters | 107 Cheapside, London, EC2V 6DN, UK | Steinbach, Manitoba, Canada |
| Security | ClearDebit says its Bacs Approved Bureau and software follow data protection rules and regulations set out by the FCA and Bacs. | Rotessa’s security overview says sensitive database information is encrypted using AES256, backups are made daily, and the company adheres to PCI DSS requirements for security management and protective measures. |
| Support | ClearDebit lists support by email at [email protected] and provides separate software support contact details. | Rotessa describes its support team as fast and responsive, and provides an online support centre with documentation on accounts, authorizations, integrations, processing, and transactions. |
| What it does | ClearDebit provides services and software for businesses to process Direct Debits with Bacs. | Rotessa is online software for scheduling one-time or recurring withdrawals from customers’ bank accounts through Canadian PAD and U.S. ACH payments. |
Plans
Rotessa
- 251-1000 transactions$0.35 a month
- 251-1000 Transactions$0.35 a month
- 1-10 transactions$17 a month
- 1-10 Transactions$17 a month
- Base$25 a month
- 11-50 transactions$39 a month
- 11-50 Transactions$39 a month
- 51-100 transactions$65 a month
- 51-100 Transactions$65 a month
- 101-250 transactions$94 a month
In their own words
ClearDebit
ClearDebit provides Direct Debit processing services, software, and training for businesses collecting payments through Bacs. Its Mosaic options address different levels of involvement: Mosaic Submit sends files to Bacs and returns reports with an audit trail, while Mosaic Managed supports the wider Direct Debit cycle, including advance notice letters and transaction codes before processing. Businesses can collect one-off, regular, or variable payments and manage payment timing and changes in the software. Mosaic reporting includes payer and payment details, customer and Bacs reports, historical data, and automatically applied Bacs messages. ClearDebit says its Bureau, Mosaic software, and training are Bacs Approved, and that its Bureau and software follow data-protection rules set out by the FCA and Bacs. For in-house software users, processed collections go directly to the business’s bank account; ClearDebit says it does not hold funds. Bureau integrations can use SFTP or an API to submit files and retrieve reports. The service requires a Service User Number (SUN), and ClearDebit says it cannot support businesses without one. Pricing is on request.
Rotessa
Rotessa schedules one-time and recurring payments taken directly from customers’ bank accounts. Businesses can add customers individually, import a CSV, or bring records in through accounting software, then obtain authorization and set the amount, frequency, and date. Its listed industries include property management, financial services, schools and childcare, health services, professional services, and nonprofits. Accounts include API access, CSV imports, an authorization tool, payment schedules, settlement reports, and multiple users with permissions. QuickBooks Online and Xero integrations can import customers and outstanding invoices, initiate withdrawals based on due dates, and report settlements while marking invoices paid. Zapier supports customized workflows connecting Rotessa with over 1,000 apps. Pricing starts at $17/mo for 1–10 transactions; listed monthly tiers are $39 for 11–50, $65 for 51–100, and $94 for 101–250. From 251 to 1,000 transactions, the listed rate is 35¢ per transaction; higher-volume pricing is custom. Rotessa launched in 2010 and is based in Steinbach, Manitoba, Canada.