Consumers who want to make the payment side of things easier and use a PDA will pay a small fee to them each month.
This is set out in regulations from the Department of Trade and Industry (DTIC).
Money saved on things like multiple debit orders to various credit providers and other fees can rather be set against these PDA fees.
The PDA will ensure your debt repayments go to the right accounts on the right days using the right payment references.
Check your PDA statement for details on your fees.