Mosaic Software

What Mosaic Software does

Mosaic Software is the in-house Direct Debit processing platform operated by ClearDebit, a UK-based payments business that is itself part of the ClearCourse software group. The platform is a Bacs-approved Direct Debit software solution that enables organisations to create Bacs files, validate bank account details, and convert bank files for compatibility with collecting banks, allowing businesses to run Direct Debit collection internally rather than via a third-party bureau. The product sits within a broader ClearDebit portfolio that includes Paperless Direct Debit, Bank File Conversion, Bank Validation, Direct Credit, Bureau services, Contingency services, Training, and Consultancy, addressing both the software and outsourced-processing segments of the UK Direct Debit market.

The commercial model is hybrid: software is sold on a quote-based annual subscription (pricing not publicly disclosed), supplemented by transaction-based bureau processing, training, and consultancy fees. ClearDebit sells exclusively through a direct sales motion in the United Kingdom, reaching more than 1,000 customers across at least six verticals: charities, education providers, insurance, membership organisations, sports clubs, and utilities companies. Demand generation is run primarily through owned content (website, blog, FAQs, guides, glossary), LinkedIn, email newsletters, and sector events such as the HLA Conference 2025.

Strategically, Mosaic Software's positioning is anchored on Bacs-approval and compliance, with a stated competitive posture against Direct Debit challenger brands such as GoCardless. The business operates without disclosed funding rounds, M&A activity, AI capabilities, or named executive leadership, and functions as a portfolio asset within ClearCourse rather than an independently scaled entity.

Name

Mosaic Software

Legal name

ClearDebit

Website

https://mosaicsoftware.co.uk

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

Mosaic Software, operated by ClearDebit (part of ClearCourse), is a Bacs-approved Direct Debit processing platform sold to UK businesses, including charities, education providers, insurance, membership organisations, sports clubs, and utilities, via annual subscriptions and bundled bureau, training, and consultancy services.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Software Publishers (5132), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming Services (7371), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

iBPMS (Intelligent BPM Suites) & Process Automation Suites (HDAEAHAG)

akta.pro secondary industries

Business Continuity Management (BCM) Platforms (HDABAIAD), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Direct debit processing
• Bacs payment software
• Recurring payment collection
• Payment bureau services
• Bank validation software

Headquarters

HQ city

East Kilbride

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Software Licensing/Subscription: Mosaic Software is sold as an in-house Direct Debit processing solution. Businesses pay for the software to process Direct Debits themselves rather than using bureau services. Revenue is generated through software licensing fees.
2. Bureau Services: ClearDebit offers outsourced Direct Debit processing for businesses that prefer not to manage it in-house. This represents an alternative revenue stream to the Mosaic Software product.
3. Training Services: Direct Debit training services to ensure organisations have up-to-date knowledge of Direct Debit processes and compliance.
4. Consultancy Services: Advisory and consultancy services related to Direct Debit setup, compliance, and processing.
5. Direct Credit: Payment services for sending regular payments, complementary to the Direct Debit receiving functionality.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Mosaic Software is a Bacs-approved Direct Debit processing platform that enables UK businesses to manage Direct Debit collections in-house. It handles Bacs file creation, bank validation, and bank file conversion, and is offered alongside outsourced Bureau services, paperless Direct Debit, Direct Credit, training, consultancy, and contingency services by operator ClearDebit.

Product overview

Mosaic Software is a Bacs-approved Direct Debit processing solution offered by ClearDebit as both an in-house software platform and part of a broader suite of payment services. The core offering is the Mosaic Software platform for Direct Debit processing, complemented by add-on modules including Paperless Direct Debit (digital collection), Bank File Conversion (format compatibility), and Bank Validation (account verification). Additional services include Bureau (outsourced processing), Direct Credit (payment sending), Training, Consultancy, and Contingency services. The product portfolio serves sectors including charities, education, insurance, membership organisations, sports clubs, and utilities companies.

Differentiator

Problem solved

Functional benefit

Brands

• Mosaic Software: Direct Debit processing software solution offered by ClearDebit, enabling businesses to process Direct Debits in-house. It is a Bacs-approved software provider.

Products and services

• Mosaic Software Bacs-approved Direct Debit processing software that enables businesses to process Direct Debit collections in-house, including Bacs file creation and bank file handling. Targeted at UK organisations with sufficient transaction volume to justify in-house processing.
• Bureau Service Outsourced Direct Debit processing service for businesses that prefer not to manage Direct Debit collections in-house. An alternative to Mosaic Software for organisations wanting fully managed processing.
• Direct Credit Payment service for sending regular payments to recipients, complementing the Direct Debit collection capabilities. Targeted at UK businesses needing to disburse recurring payments.
• Direct Debit Training Training services to ensure teams have up-to-date Direct Debit knowledge and compliance understanding. Delivered by ClearDebit to organisations across multiple UK sectors.
• Direct Debit Consultancy Services Expert advisory and consultancy services covering Direct Debit setup, implementation, compliance, and best practices for UK organisations.
• Direct Debit Contingency Services Backup Direct Debit processing services that ensure business continuity if a customer's primary in-house processing experiences system failures.
• Paperless Direct Debit Online paperless Direct Debit solution that enables businesses to collect Direct Debits digitally without physical paper forms, including online sign-up and mandate management.
• Bank File Conversion Utility for converting bank files to ensure compatibility with different banking systems and Bacs file formats used in Direct Debit processing.
• Direct Debit Bank Validation Bank account validation service used to verify bank details before processing Direct Debit transactions, reducing failed payments and administrative rework.

Quantifiable outcome

• ClearDebit helps more than 1,000 businesses process Direct Debits

Named customers1 record

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• ClearCourseparentStrategic or Co-development PartnerClearDebit, including the Mosaic Software product, is part of ClearCourse, a group of complementary software and services companies. ClearDebit operates as a brand under ClearCourse and displays the ClearCourse logo on their website. This indicates Mosaic Software/ClearDebit is a subsidiary or member company of the ClearCourse group.

Scale indicators1 record

Recent moves1 record

Expansion highlights4 records

Emerging players

• Token.io: Token.io is a UK/EU-based open banking payment initiation provider that offers account-to-account recurring payments as an alternative to Direct Debit. It represents an emerging technology competitor to traditional Bacs DD processing.
• Modulr: Modulr is a UK-based payments-as-a-service provider offering direct debit and account-to-account payment infrastructure via API. It overlaps with Mosaic's payment processing capability but with a modern API-first delivery model.
• FastPay (Finastra): FastPay (now part of Finastra) provides Bacs and direct debit processing solutions for UK corporates and fintechs. It competes with Mosaic in the Bacs payment processing and validation space, with stronger enterprise banking integrations.

Broad incumbents

• Bottomline Technologies: Bottomline is a large global payments and financial technology provider offering Bacs DD processing, corporate banking connectivity, and payables automation. It owns SmartDebit and competes broadly with Mosaic in the UK Bacs processing market through a wider product portfolio.
• Sage Pay (now Opayo): Sage Pay (rebranded as Opayo) is a UK payment service provider offering card processing, Direct Debit, and recurring billing solutions as part of a broader payments suite. It overlaps with Mosaic in serving UK SMEs and membership organisations needing recurring payment collection.
• Stripe (Stripe Billing): Stripe offers global recurring billing and payment infrastructure (including ACH/SEPA direct debit in various markets). It represents a broader, well-capitalised incumbent whose developer-first platform competes for the same recurring-payment wallet share as Mosaic.

Direct peers

• GoCardless: GoCardless is the UK's leading Direct Debit-focused payment network, processing billions in recurring payments for over 85,000 businesses worldwide. It directly competes with Mosaic Software in the UK DD processing market and is explicitly referenced as a competitor in ClearDebit's own blog content.
• AccessPay: AccessPay provides bank integration and payment automation software for UK corporates, including Bacs Direct Debit file processing, validation, and workflow automation. It competes with Mosaic in the Bacs payment processing and bank file management category.
• SmartDebit (Bottomline): SmartDebit is a UK-based Bacs-approved Direct Debit bureau and software provider, now owned by Bottomline Technologies. It offers a comparable Bacs-approved software and bureau service proposition directly competing with Mosaic and ClearDebit for UK recurring payment volumes.

Regional players

• SEPA Direct Debit providers (e.g., Billie, Tink): Providers such as Tink and Billie offer SEPA Direct Debit processing across European markets, the geographic counterpart to UK Bacs DD. They are not direct UK competitors but represent the European equivalent of Mosaic's Bacs-focused product proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/mosaic-software-ltd.
• Xx.com/mosaicsoftware
• Facebookfacebook.com/Mosaic-Software-Ltd-353810298128103

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mosaic Software