Mosaic Software
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.
- Company typePrivate
- Founded1994
- HeadquartersEast Kilbride, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
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.
Mosaic Software firmographics
Firmographics- 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
Mosaic Software industry classification
Industry- 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
Where Mosaic Software is headquartered
LocationHeadquarters
- HQ city
- East Kilbride
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Mosaic Software business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- 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.
- 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.
- Training Services: Direct Debit training services to ensure organisations have up-to-date knowledge of Direct Debit processes and compliance.
- Consultancy Services: Advisory and consultancy services related to Direct Debit setup, compliance, and processing.
- Direct Credit: Payment services for sending regular payments, complementary to the Direct Debit receiving functionality.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Quote-based pricing tailored to business needs |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Mosaic Software product offering
Product offeringCore 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
Companies that use Mosaic Software
Customer profileNamed customers1 record
Segments6 records
Ideal customer profiles6 records
Mosaic Software technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Mosaic Software partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- ClearCourseparentClearDebit, 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
Mosaic Software competitors and assessment
Company assessmentEmerging 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
Mosaic Software social profiles
Digital presenceMosaic Software compliance and trust
Trust signalCompliance1 record
Mosaic Software financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mosaic Software leadership team
Management profileNumber of profiles
Mosaic Software funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mosaic Software M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mosaic Software
What does Mosaic Software do?
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.
Is Mosaic Software a public or private company?
Mosaic Software is a private company. It is classified as corporate owned and is currently operating.
When was Mosaic Software founded?
Mosaic Software was founded in 1994. It employs 1 to 10 people.
Where is Mosaic Software based?
Mosaic Software is headquartered in East Kilbride, United Kingdom, in the Europe region.
How does Mosaic Software make money?
Five revenue lines are on record. Software Licensing/Subscription is the primary driver. The others are bureau Services, training Services, consultancy Services and direct Credit.
Who are Mosaic Software's main competitors?
Emerging players on record are Token.io, Modulr and FastPay (Finastra). Broad incumbents are Bottomline Technologies, Sage Pay (now Opayo) and Stripe (Stripe Billing). Direct peers are GoCardless, AccessPay and SmartDebit (Bottomline). SEPA Direct Debit providers (e.g., Billie, Tink) is listed as a regional player.
Does Mosaic Software have an API?
No public API is recorded for Mosaic Software.
What industry is Mosaic Software in?
Mosaic Software's product category is Payment Processing Software. Its primary akta.pro industry code is HDAEAHAG, iBPMS (Intelligent BPM Suites) & Process Automation Suites, with a secondary code of HDABAIAD, Business Continuity Management (BCM) Platforms. Its NAICS code is 5132 and its SIC code is 7372.