Best for: Businesses with straightforward collection needs | Collecting full invoice amounts | Basic Direct Debit processing
This solution provides simple, streamlined Direct Debit processing for everyday collections, offering a straightforward way to generate collection files and take payments quickly and efficiently. It automates the creation of Direct Debit CSV files based on outstanding invoices, making it ideal for uncomplicated, routine collections. Customer bank details are stored directly on the Sales Ledger account via a dedicated Direct Debit tab, keeping setup centralised and easy to manage.
✅ Ideal for straightforward Direct Debit processing.
✅ Generates CSV files ready for bank submission.
✅ Can consolidate multiple invoice lines and work with Sicon Contracts to limit collections to contract‑related transactions.
❌ Does not provide failed‑payment feedback or advanced debtor workflows.
❌ No support for instalment plans or changing payment methods.
❌ No dashboards or visibility tools for monitoring collections.
For more information, please login to the Sicon Customer Portal and refer to the Direct Debit Integration Help & User Guide
Find out more...Best for: Businesses wanting more control over cashflow | Those offering instalment plans | Teams managing failed DDs or exceptions | Anyone wanting automation & oversight
This advanced solution delivers automated collections with total control, providing a powerful end‑to‑end debtor management approach that manages how customers pay, when they pay, and what happens if payments fail. It offers a structured, automated workflow covering instalments, failed Direct Debits, payment method changes, instruction exports, cancellations, and every stage of the collection cycle. Payment information is stored at Sales Ledger account level and can also be applied directly to individual sales invoices, SOP orders, or Sicon Contract lines, giving you complete flexibility across all transaction types.
✅ Complete end‑to‑end debtor management solution.
✅ Fully managed Direct Debit workflow from instruction to collection.
✅ Supports instalments, due‑date controls, receipt handling, failed‑payment processing, re‑presentation and cancellations.
✅ Deeper integration with Sicon Contracts, including payment‑method control at contract‑line level.
✅ Extensive configuration options for payment rules at customer, invoice and contract level.
✅ Highly flexible CSV export formats, including preconfigured layouts compatible with banking systems.
✅ Built‑in dashboards for real‑time visibility and reporting.
✅ Designed for organisations with more complex collection needs, offering greater automation, control and oversight.
Sicon Enhancement Pack – Direct Debit Integration | Sicon Debtor Management | |
| Supports Instalments | ❌ No – collects based on outstanding invoice values only | ✅ Yes – creates instalments, edits instalment schedules, adjusts amounts, changes frequencies |
| Failed Direct Debit Handling | ❌ | ✅ Yes – Full failed collection handling with options; add to next instalment, add over remaining instalments, create new instalment or switch to manual collection |
| Import Failures (XML) | ❌ | ✅ Yes – Can import DD failure files (XML) and automatically update failed transactions |
| Send DD Instructions (0N / 0C) | ✅ Yes – can submit Direct Debit Instructions (DDIs) to bank via CSV (New, Cancel, Reinstate) | ✅ Yes – supports export of instruction files and BACS instruction management tied to customer flags |
| Process Collections | ✅ Yes – “Process Direct Debits” creates CSV & posts receipts automatically | ✅ More advanced – “Export for Collection”, then separate “Direct Debit Collection” process to confirm receipts |
| Consolidate Multiple Items into One Line per Customer | ✅ Yes – configurable via settings (“Group invoice into one payment”) | ✅ Yes – “Consolidate exported lines into one line per customer” option |
| Receipt Allocation | ✅ Auto‑allocate (optional); can allocate credit notes during process | ✅ More advanced – auto allocate credits & receipts; supports part‑collection, re-presentation, allocation rules |
| Failed Collection Detection | ❌ | ✅ Yes, with full follow‑up action prompts |
| Re‑Present / Re‑Export | ⚠️ Only if CSV created but not processed | ✅ Yes – fully supported; instalment status becomes “Re‑Presentation” automatically |
| Instalment Editing | ❌ | ✅ Instalments can be edited (amounts, dates, instalments); can convert payment method for all future instalments |
| Customer Communication (Collection Notices) | ✅ Supports printing of collection notices | ✅ Advanced notices with filters; reprints allowed until processed |
| CSV File Customisation | ✅ Simple column mapping via CSV File Setup | ✅ Highly configurable: schema-based (header/footer/data), full BACS Standard 18 support, pence formatting, padding, IBAN/BIC, fixed text etc. |
| Hide Payment Due Date | ❌ | ✅ Yes – optional setting (“Hide payment due date”) |
| Include Receipts When Auto‑Crediting | ❌ | ✅ Yes – setting includes receipts as part of auto-crediting |
| Supports Contract Manager Collections | ✅ Yes – can restrict to Contract-related transactions | ✅ Yes – deeper integration; can set payment method per contract line |
| User Permissions | ⚠️ Limited – controlled via Sage role | ✅ Extensive, fine-grain user permissions; payment editing, visibility, instalment changes, etc. |
| Dashboard / Management Visibility | ❌ | ✅ Built-in dashboards (amount to collect, overdue, exported, instructions required) |
| Cancellation of Exported Transactions | ❌ | ✅ Yes – “Direct Debit Cancellation” export available |
| Change Payment Method After Invoice Raised | ❌ | ✅ Yes – Change Payment Method tool, plus ability to convert instalments |
| Post‑Collection Process | ✅ Automatic receipt + allocation happens immediately with CSV processing step | ✅ Separate collection confirmation step where receipts are posted and allocation completed |