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My Direct Debits Reminder App
Partner ready My Direct Debit Reminder Solution for Financial Services
Prepared by Voliciti Group Ventures Ltd | April 2026 | Confidential
The Opportunity
"Your bank tells you after money has left. We tell your customers before."
In the UK alone, over 80 million direct debits are processed every month. Yet most consumers have no clear visibility of what's leaving their account until after it happens. Failed payments, unexpected charges, and overdraft fees remain a leading cause of customer complaints across banking and insurance.
The Solution
Introducing MDD
My Direct Debits Reminder App (MDD) is a proven, production-ready platform giving customers advance warning of upcoming direct debits, subscriptions, and standing orders — 7 days, 5 days, and 1 day before they leave their account. Notifications automatically sync to calendars and smart watches.
Zero Bank Access
No bank credentials required. No sensitive financial data stored.
Live Now
Already serving users on Web, iOS, and Android at mddreminder.uk
Partner-Ready
Embed or co-brand for your own customer base today.
Why Partner With MDD
Eight Compelling Reasons to Partner
MDD delivers measurable value across customer experience, compliance, and competitive differentiation — with minimal effort from your team.
Partner Benefits
Reduce Complaints & Increase Retention
Reduce Customer Complaints
Advance payment warnings cut "unexpected charge" complaints and failed payment disputes significantly.
Increase Customer Retention
Customers who feel in control of their finances are less likely to switch providers. MDD builds trust and loyalty.
Differentiate Your Offering
Offer a value-added digital tool that competitors don't have. Position your brand as forward-thinking and customer-centric.
Partner Benefits
Compliance, Security & Speed
Compliance & Vulnerability Support
Supports FCA Consumer Duty obligations. Demonstrates care for financially vulnerable customers.
Zero Risk Data Model
No bank login, no Open Banking credentials, no PII beyond email. Your data obligations remain unchanged.
Launch in Days, Not Months
Integration via embedded link, iframe, or co-branded subdomain. No development resource required from your team.
International Ready
Supports multiple display currencies, suitable for international customer bases and cross-border use cases.
How It Works
The Customer Journey
Simple, frictionless, and requiring no technical knowledge — customers are up and running in minutes.
The entire onboarding process takes under five minutes, with no bank details or ID verification required at any stage.
Customer Journey
Visual Walkthrough
Below are real screenshots from the live MDD platform — exactly what your customers would experience.
Step 1
Sign Up or Sign In
Frictionless Registration
Simple email and password registration. No bank details required. Free to start — takes less than 30 seconds.
  • Email and password only
  • No ID verification
  • No card required to sign up
  • Available on Web, iOS, and Android
Step 2
Add Payments
Quick & Easy Entry
Customers enter their recurring payments manually — no bank connection needed. Takes under 60 seconds per entry.
  • Company name
  • Amount with currency selection
  • Payment day (1–31)
  • Frequency: monthly, weekly, bi-weekly, quarterly, or annually

Multi-currency support included as standard.
Step 3
Set Reminders
Flexible Alert Options
Customers choose when they want to be reminded — and where. One-click calendar integration means reminders appear automatically.
  • 7 days before payment
  • 5 days before payment
  • 1 day before payment
Integrates with Google Calendar, Outlook, Yahoo Calendar, or download as .ics for Apple Calendar and Samsung.
Step 4
Calendar Integration
Reminders Where Customers Live
Payment reminders appear directly in the customer's calendar and smart watch, complete with payment amount, frequency, and alert timings — managed automatically by MDD.

Notifications also sync to smart watches, ensuring customers are always informed on the go.
Step 5
Dashboard — Summary & Due Dates
Full Financial Visibility
The dashboard gives customers a clear, at-a-glance view of their upcoming commitments — before money leaves their account.
  • Monthly total tracked payments
  • Largest upcoming payment highlighted
  • 7-day lookahead with due dates
  • Full upcoming payments schedule
Steps 6 & 7
Settings, Support & Grants
Account Control
Full account management: currency preferences, subscription control, data export as CSV, and admin tools. Customers are always in control.
Financial Support & Grants
Built-in directory of grants, charitable trusts, and debt advice services including Turn2us, StepChange, Citizens Advice, and National Debtline. Demonstrates duty of care for vulnerable customers.
Integration Options
Three Ways to Integrate
Flexible models to suit your requirements — from zero-effort linking to full white-label deployment.
Branded Link — Quick Start
Place a tracked link or button on your website, app, or email. Customers land on MDD with your referral attribution. Live in minutes. One line of HTML.
Embedded Widget — Standard
Embed MDD within your existing website or customer portal via iframe or JavaScript snippet. Your branding surrounds the experience. Live in days.
White-Label — Enterprise
Fully co-branded deployment on your subdomain (e.g. reminders.yourbank.co.uk). Your colours, your logo, your domain. Full access available.
Compliance
Regulatory Alignment
MDD has been designed with regulatory awareness from the outset — supporting your compliance obligations without introducing new risk.
Compliance Detail
Key Regulatory Positions
FCA Consumer Duty
Supports firms in delivering good outcomes for retail customers through proactive payment visibility and financial wellbeing.
UK GDPR / DPA 2018
Minimal data collection (email only). No bank credentials stored. No data sold. Full account deletion and CSV export available in-app.
PCI-DSS
All payment processing handled by Stripe (PCI-DSS Level 1 certified). MDD never sees, stores, or processes card numbers.
Open Banking / PSD2
MDD does not use Open Banking APIs. No bank login required — eliminating associated regulatory, security, and consent complexities entirely.

Key compliance advantage: Because MDD collects no bank credentials and stores no financial account data, it does not fall under the regulatory scope of Open Banking, PSD2, or FCA authorisation for payment services — dramatically simplifying your due diligence.
Security
Enterprise-Grade Security Infrastructure
TLS 1.3 Encryption
All data in transit
Encrypted at Rest
Database storage
bcrypt Hashing
Industry-standard password security
DDoS Protection
Cloud-native, edge-level mitigation
Token-Based Auth
Stateless JWT, no session cookies
Rate Limiting
Brute force prevention on all endpoints
Hosted on enterprise Kubernetes infrastructure with automated failover, health monitoring, and horizontal scaling. UK/EU data residency available on request. Enterprise partners may request a security questionnaire, penetration test summary, or full technical architecture review under NDA.
Data & Privacy
Privacy by Design
What MDD Stores
  • User email address and hashed password
  • User-entered payment descriptions (e.g. "Netflix", "£15.99", "monthly")
  • Subscription status and payment transaction references
What MDD Does NOT Store
  • Bank account numbers, sort codes, or IBAN
  • Credit/debit card numbers
  • Open Banking tokens or credentials
  • National Insurance numbers or government IDs
  • Home addresses or phone numbers
  • Any data from your systems (unless explicitly agreed under white-label)

Customers can export all their direct debit records as a CSV and delete their entire account instantly. No data is shared with or sold to third parties. Data minimisation is a foundational architectural decision — not a retro-fitted compliance measure.
Use Cases
Sector-Specific Applications
MDD delivers targeted value across multiple financial services sectors.
Use Cases
Who Benefits Most
Banks & Building Societies
Embed as a "Payment Reminders" feature. Reduce failed payment notifications, demonstrate Consumer Duty compliance, and cut operational costs.
Insurance Companies
Help policyholders avoid missed premium payments. Reduce churn from accidental non-payment. Include in renewal communications as a retention tool.
Money Advice & Debt Charities
Recommend as a free budgeting aid. MDD's built-in Financial Support page already links to Turn2us, StepChange, and Citizens Advice.
Utility & Subscription Companies
Reduce failed direct debit collections and admin costs. Offer as a "Payment Reminder" link in customer emails and billing portals.
Onboarding
Live in Weeks, Not Months
1
Week 1
Discovery & Agreement — Introductory call, requirements alignment, partnership agreement signed.
2
Week 2
Configuration — Branded link or embed configured. Tracking parameters and QR codes set up.
3
Weeks 2–3
Testing & Review — Your team reviews the integration. Security questionnaire and compliance sign-off completed.
4
Weeks 3–4
Go Live — Integration goes live. Analytics dashboard available for tracking referrals and adoption.

For Branded Link partners: Integration can be completed in as little as 24 hours.
Commercial Models
Flexible Partnership Structures
About Us
About Voliciti Group Ventures Ltd
Voliciti Group Ventures Ltd is a UK-registered technology company focused on building practical digital tools that help everyday consumers manage their finances better. My Direct Debits Reminder is our flagship product, born from a simple insight by Diane Shawe MEd founder and designer: people deserve to know what's leaving their bank account before it happens — not after.
We believe financial tools should be simple, secure, and accessible to everyone. MDD embodies this philosophy: no bank login required, no complex setup, and free to start.
Get In Touch
Let's Talk
We'd welcome the opportunity to discuss how MDD can support your customers and your business. Whether it's a quick branded link or a full white-label deployment, we're ready to move at your pace.
📞 Phone
+44 (0) 7367 431859