Enjoy all the benefits of using Bacs Direct Credit to make payments into a bank or building society account by electronic transfer.
Get all the backup of a Bacs approved bureau taking care of your payments, so you can control your payments with confidence.
With a click, submit payments you need to make and get details about payments you’ve made.
With a call, get help on any aspect of your payments, from 8.30am to 7pm on all English banking days.
You’ll need a Service User Number (SUN) to make payments through Bacs Direct Credit, available from your bank.
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're 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 made on a three-day cycle.
Day 1: Input and Bacs processing.
Day 2: Bank or building society processing.
Day 3: Payments credited to the recipients’ accounts and debited from your account.
6. Payment reports
Access transaction data going back 2 years.
Print off payment details to audit.
Older transaction data available on request from our archive.
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.
We give you unlimited users and authorisers, and we have a clear cost structure:
A one-off set-up fee covers everything you'll need to get started.
An annual fee gives you unlimited access to the system and our support.
A per transaction fee.
For a full introduction to the Bacs Direct Credit service, visit the Bacs website.
Bacs Direct Credit is overwhelmingly the most-used payment method among UK businesses, accounting for more than half of all business payments made in 2015. Over 90% of employees are paid by Bacs Direct Credit. (Payments UK, 2016).