Debit Success

Debit Success by Xplor: a Full-Service Recurring Payments Partner for Australia and New Zealand

Debit Success is a full-service direct debit and recurring payments provider headquartered in Australia and operating across Australasia. It focuses on helping subscription and membership businesses automate collections, reduce admin, improve cash flow, and give customers convenient ways to pay by bank account or card. The brand sits within Xplor Technologies’ payments ecosystem and is often referred to as Xplor Debit Success.

What Debit Success Does

Debit Success provides an end-to-end billing service that businesses can fully outsource: from setting up payment schedules to collecting funds, answering payment queries in an award-winning call centre, and keeping you informed with real-time online access and scheduled reporting. It is positioned as one of the largest full-service direct debit initiators in Australasia and highlights more than two decades of category experience.

Key outcomes for merchants:

• Automated recurring billing with flexible frequencies and payment days that align to your customers’ cash flow.
• Bank account and card payments supported under one roof.
• Customer service handled for you through a 100+ seat contact centre that manages inbound queries and outbound follow-ups based on your rules of engagement.
• Transparent visibility via client logins, daily status emails, and dashboards tracking reversals, trends, and at-risk accounts.

Who Debit Success is For

Debit Success is built for organisations that take repeat payments from the same customers, such as fitness clubs, swim schools, leisure centres, martial arts studios, personal trainers, childcare providers, and Registered Training Organisations. For these verticals the company also offers tight software integrations to remove re-keying and streamline admin:

• Fitness and wellbeing: purpose-built support for gyms and studios, with proven partnerships and a focus on improving revenue and retention.
• Education and childcare: automated, reconciled payments that sync with Xplor Education, reducing administrative overhead for centres.
• Software platforms and ISVs: embedded recurring billing that monetises subscription payments inside your application.

How Debit Success Works

Payment collection and scheduling

You create a payment plan and obtain your customer’s authorisation. Debit Success then draws funds automatically on the agreed cadence, with any-day, any-frequency options like weekly, fortnightly, four-weekly, monthly, quarterly, or ad hoc. This flexibility is central to helping your customers stay current while smoothing your cash flow.

Follow-up and arrears management

If a payment reverses, Debit Success uses a three-phase follow-up that may include SMS, phone, email, and letters, and can arrange catch-up plans to help you recover revenue while retaining the customer.

Online portals for transparency

Merchants receive a business login to view accounts, run reports, and monitor activity, while end customers can access a customer portal and a Pay Now page to check details or make one-off payments.

Reporting and analytics

Debit Success sends automated daily and weekly reports and provides dashboards such as the Daily Status and Reversal Rate views. These highlight new accounts, cancellations, suspensions, expiring memberships, and reversal patterns by day, payment type, and more. Your account manager can help interpret the data and adjust your billing strategy.

Security, Licensing, and Trust

Debit Success is PCI DSS compliant and has historically maintained Level 1 accreditation. On its Australian site, the company states it is compliant with PCI DSS, and its Why us page notes Level 1 PCI DSS compliance, independent certification, and external audits. Debit Success is also an Authorised Representative under the Australian Financial Services Licensing regime, AR 407894 of Transaction Services Holdings Limited, AFSL 338256.

Customer Service and Support

Debit Success emphasises full visibility of its customer service interactions, with toll-free support for your end customers and real-time access to call notes and transaction histories. The service centre operates Monday to Friday, 8.30am to 5.00pm AEST or AEDT, and the portal is available 24-7 for you to self-serve. Street address and contact details are published for Melbourne.

Evidence of Scale

Debit Success highlights that it works with over 10,000 businesses across Australasia and initiates billions of dollars in transactions annually, reflecting its long tenure in the category and breadth across industries.

Where Debit Success fits in your stack

• Best for recurring revenue models: memberships, subscriptions, lessons, courses, and instalment plans. The service explicitly notes suitability for organisations that collect regular payments from the same customers.

• Use embedded payments if you are a software provider: the ISV offering can introduce a new revenue stream and tighter user experience.

• Select vertical software when it reduces admin: fitness and education operators benefit from native integrations like Clubware and Xplor Education, which remove double entry and sync customer data with billing.

Conclusion

If your business runs on recurring revenue in Australia or New Zealand, Debit Success is a credible option that combines automated collections, contact-centre support, real-time reporting, and developer-friendly integration paths. Its position within Xplor Technologies brings a broader ecosystem of vertical software and payments capabilities, while its own PCI and licensing disclosures add assurance. For merchants prioritising reliability and operational leverage over managing billing in-house, Debit Success fits well on your shortlist.