People started using debit cards and credit cards instead of checks on account of the availability of various innovations taking place through information technology. At present transfer of funds through cash and check is almost out of place. However, during recent times, direct debit services are becoming popular on account of the attractive features available in the system. An individual or organization who is willing to effect transfer of funds on a regular basis towards payment of various utility services namely telephone bills, electricity charges, water and sewerage charges, annual maintenance charges etc. can engage the services of direct debit. An organization or individual who is willing to avail the services of direct debit should sponsor his banker for the purpose and necessary authorization has to be executed in favor direct debit service provider. In fact banks nowadays started encouraging direct debit services on account of lesser time involved and less cost involved. However, the bank sponsored should be one among the sixteen who are members of Bacs.
