Collecting Payments

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Collect Direct Debits quickly, simply and securely through Bacs

Enjoy all the benefits of using Bacs Direct Debit to collect the right amount at the right time, automatically.  

Get all the backup of a Bacs approved bureau taking care of your Direct Debit collections, so you can control your cashflow with confidence.

Two ways to use our service.

Are you a Direct Debit Originator with your own Service User Number (SUN)?


With a click, submit payments for collection and get details about payments you’ve received.

  • A cloud-based system that’s easy to use.
  • No need to buy, install or maintain Bacs software.
  • Accepts files from all major finance software.
  • Access your Direct Debit collections at any time and anywhere.
  • Submit mandates electronically if you have been AUDDIS approved by your bank.
  • Get reports direct from Bacs, or give Cashbacs permission to provide more user-friendly report.


Business without a SUN can still collect Direct Debits with our Facilities Management Service.

  • All the benefits that businesses with a SUN enjoy.
  • Get access to the same cloud-based system.
  • You pay a fixed deposit to protect against indemnity claims.
  • AUDDIS included – submit mandates electronically to save time and money.
  • Collections made into a Cashbacs account on your behalf - as per Bacs rules - then transferred to you.

Whichever way you use our service you’ll have our full expertise and care. With a call, get help on any aspect of your Direct Debits, from 8.30am to 7pm on all English banking days.

  • Expertise on everything to do with the Bacs Direct Debit system.
  • The experience and contacts to resolve issues - fast.
  • Myth-busting advice and translation of bank jargon.
  • Alerts and reminders to help you plan your collections.

Whether you’re a large or small business, find out how we can take care of your Direct Debit collections.

How it works

You’ll need a Direct Debit instruction.

Obtain a signed Direct Debit Instruction (DDI) from your customer. Forward this to the customer’s bank, as necessary – electronically (AUDDIS) or by post. You now have permission to collect the customer’s payments by Direct Debit.

1. Upload files

Upload payment files directly from your system to our secure portal.

Saves time and reduces errors.

(You can manually enter details for adhoc payments).

2 Secure portal

Manage your files
View and amend individual lines in your file.

Authorise your files
An additional step for businesses that would like an additional approver.

3. Submit files

Check you are completely happy with your files.

Submit your files to Bacs, via our secure portal.

View submissions at any time.

4. Processed by Bacs

Security and validation checks.

Distribution to banks and building societies.

Confirmation your files have been processed.

5. Payments made

Payments collected on a three-day cycle.

Day 1: Input and Bacs processing.

Day 2: Bank or building society processing.

Day 3: Payments debited from the customer and credited to the service user.

6. Payment reports

Full visibility of payments collected: customer, amount and date.

Reports on unpaid Direct Debits, amendments or cancellations, and any rejections or claims.

We email reports daily to businesses using our Facilities Management Service.


Expertise and practical support on the phone from 8.30am to 7pm on all English banking days. All the advice you need at any stage of the process.

What does it cost?

We give you unlimited users and authorisers, and we have a clear cost structure:

One-off fee

A one-off set-up fee covers everything you'll need to get started.

Annual fee

An annual fee gives you unlimited access to the system and our support.

Per transaction

A per transaction fee.

How your business can benefit from Bacs Direct Debit

  • It's cheaper than cheque and safer than cash.
  • Get paid on time, all the time.
  • You get cleared funds in your account on a known date.
  • You can collect variable amounts on regular or irregular dates
  • Less admin as reconciliation is by exception.

For a full introduction to the Bacs Direct Credit service, visit the Bacs website.

% of the UK bill paying population prefer Direct Debit.