BACS bureau

Submit BACS without building the cycle

Monitor whether accounts stay open, validate with Confirmation of Payee, and keep Direct Debit and Credit files running automatically.

  • Continuous open/closed account monitoring
  • Ongoing CoP validation of bank details
  • Instant alerts, full submission & auto re-onboarding
Calculate your price Request a demo
80%Time saved
95%Fewer errors
0pPer transaction
How automation fits in
Your systems CRM · ERP · Finance
ePayment automation Generate · Validate · Submit
BACS bureau Your approved submitter
Keep your bureau — we automate the work around it
Why it matters

Monitor if an account is open or closed — continuously

For any business that relies on Direct Debits or Direct Credits, knowing whether customer and supplier bank accounts remain open and valid is essential. That check cannot be a one-off — it needs to be done regularly. That is where our BACS Bureau comes in.

Open or closed status

Closed, transferred, or invalid accounts drive failed payments, failed credits, chargebacks, and operational cost. Continuous monitoring keeps account status current before the next cycle runs.

Becoming mandatory for regulated UK businesses

It is now becoming mandatory for regulated businesses in the UK to continually monitor and validate bank account details — not just check them once at onboarding.

CoP keeps accounts valid

Alongside mandate monitoring, we can continually check using Confirmation of Payee (CoP) so names and account details remain matched and valid over time.

Linked to our BACS Bureau

When an account status changes, our system is updated immediately and we can alert your team at once. Beyond monitoring, we also run full BACS submissions and can re-onboard accounts automatically — so failed or closed accounts do not leave you stuck in manual recovery.

  • Immediate system update when status changes
  • Client alerts so you can act before the next payment cycle
  • Full automated BACS submission
  • Automatic re-onboarding of accounts where required
Before & after

From reactive chasing to continuous control

Replace one-off checks and manual bureau work with continuous mandate monitoring, CoP validation, and reliable automation.

Manual today

Without continuous monitoring

  • One-off checks at onboarding only
  • Closed accounts discovered after failure
  • Stale bank details and name mismatches
  • Hours on manual file creation and uploads
  • Missed submission deadlines
  • Constant manual monitoring required
Reactive, high-risk, labour intensive
With ePayment

With BACS Bureau automation

  • Continuous mandate & account monitoring
  • Ongoing CoP checks to keep details valid
  • Instant alerts when status changes
  • Automated file generation and submission
  • Automatic re-onboarding of accounts
  • Automatic report processing
Continuous validation & hands-free processing
80%
Time saved
95%
Error reduction
£1000s
Typical annual savings
Free
BACS transactions
Capabilities

Continuous monitoring and bureau automation

Keep accounts valid, get alerted when status changes, and automate submissions — with or without changing your existing bureau relationship.

Your back office

CRM, ERP, accounting software

Automation layer

Generate · validate · submit · report

Your bureau

Any BACS-approved submitter

Continuous mandate monitoring

We continually monitor mandates and account status so open/closed changes are detected before they disrupt collections or payments.

Ongoing CoP validation

Confirmation of Payee checks keep bank account details valid over time — not only at first onboarding.

Instant status alerts

When an account status changes, the system updates immediately and can alert your clients or ops team at once.

Full automated submission

Generate and submit BACS files on schedule via secure transfer — full submission without manual portal work.

Automatic re-onboarding

Re-onboard accounts automatically when status changes require fresh mandates or compliance checks — with full KYC workflow.

No bureau change required

Keep your existing bureau relationship. We add continuous monitoring and automation without ripping out what already works.

Onboarding

How it works

A clear path from connection to hands-off processing.

1

Connect your bureau

Secure API or SFTP to your existing BACS bureau — no need to change provider.

2

Map your data

Connect CRM, ERP, or finance systems and map fields to BACS requirements.

3

Set the schedule

Daily, weekly, or custom cycles with automated generation and submission windows.

4

Run automatically

Files generate, validate, and submit. Reports process and exceptions surface automatically.

Special Launch Offer

We'll cover the cost of our BACS service

Sign up for our BACS Bureau and start automating with nothing holding you back — even if you are still under contract elsewhere.

New to BACS Bureau?

If you sign up for our BACS Bureau, we will cover the cost of our BACS service so you can benefit from automation from day one.

Already under contract?

If you are under contract with an existing BACS bureau or service, we will cover the cost of the mandate automation until your existing agreement ends, or to cover any notice period you need to give.

That means there is nothing stopping you from benefiting from automating these processes now.

Please call to discuss this offer with our sales team and to see if you qualify for this unique offer.

Call +44 (0)20 4577 0019 Contact sales

Subject to qualification. Terms and availability may vary — our sales team will confirm eligibility.

Transparent pricing

Calculate your monthly cost

Mandate-based credits only — no contact fees. Transactions against active mandates are always free.

Active Mandates in any given Month

1,000

Minimum of 1,000 active mandates applies

1,000 50,000+

New or Re-onboarding Mandates per Month

100

Includes BACS-compliant KYC workflow: PAF address search, CoP check, email & mobile validation. Available via branded workflow or self-managed portal.

0 1,000+

Monthly Transactions

1,000
100% FREE

All transactions submitted to BACS against active mandates are completely free.
No transaction fees. Ever.

0 50,000+
Active Mandates (1,000 × 5.00 credits) 5,000 credits
Transactions (1,000) — Always FREE 0 credits
New/Re-onboarding Mandates (100 × 35.00 credits) 3,500 credits
Total Monthly Credits Required 8,500 credits

Credit Pack Purchase (Months)

1 month

Rate updates with pack size — currently 2.0p per credit

Buy up to 12 months in advance (max 102,000 credits at your current usage). Tip: larger packs unlock better rates.

1 month 12 months

Your estimated cost

One clear total based on the usage and credit pack above

Monthly credits needed 8,500
Credit rate for this pack 2.0p each
Pack size 1 month · 8,500 credits
Credit pack total
£170.00
+ VAT · lasts about 1.0 month
Effective monthly cost
£170.00
+ VAT · based on current usage of 8,500 credits/month
Buy 12 months upfront £1,530.00 + VAT @ 1.5p

Volume discounts apply automatically. All figures exclusive of VAT @ 20%. Credits valid for 12 months from purchase.

Request Demo
Setup & Onboarding

Summer Special Offer

Regular price
£495
+ VAT
July – September 2026
£249
+ VAT
SAVE £246

What's included in setup

  • Complete bureau configuration
  • Custom letter templates setup
  • Workflow configuration & testing
  • API integration support
  • Dedicated onboarding specialist
  • Full documentation & training

Existing Etellect Group customer?

Setup is completely free

Our way of saying thank you for your continued trust

Pricing Explained

Why we price by mandate

Our service continually monitors every mandate and can continually validate bank details with CoP so accounts stay open, matched, and valid. When status changes, the system updates immediately, we can alert you, and we can run full submission and automatic re-onboarding. There is no contact-based pricing.

Active Mandates

Continuous open/closed monitoring and automated mandate management — 5 credits at low volume down to 2 credits at 50,000+ (minimum 1,000 mandates billed).

New / Re-onboarding

Full BACS KYC: PAF address validation, CoP, email & mobile checks, plus letter generation — and automatic re-onboarding when accounts need to be set up again. 35 credits down to 20 credits at volume.

Transactions are free

Collections and credits against active mandates cost 0 credits. You only pay for continuous monitoring, mandate management, and the compliance checks that keep bank details valid.

Next step

Ready for continuous account monitoring?

Keep bank details valid, get alerted when status changes, and automate submissions and re-onboarding. Talk to us about setup and go-live.

Schedule a demo Review pricing
80%
Time saved
95%
Error reduction
Fast
Typical setup