Would you like to automate the BACS payment process? Process direct debits and direct credits seamlessly with automated mandate creation, transaction processing, and intelligent BACS report handling.
Everything you need for automated direct debit and direct credit processing via the UK BACS network
Create and manage direct debit mandates automatically for collecting payments from customer bank accounts. Our system handles all the paperwork and compliance requirements.
Send and receive direct debits and direct credits seamlessly via the BACS network. Our platform handles all communication and file submission automatically.
Automatically read and process BACS reports including ADDACS and ARUDD records with intelligent error handling.
Integrate with any external application using our comprehensive RESTful API with detailed documentation.
Leverage artificial intelligence for intelligent decision-making, anomaly detection, and predictive analytics.
Bank-grade security with full BACS compliance, PCI DSS certification, and advanced encryption protocols.
Automatically generate, validate, and submit Standard 18 format files to BACS
Automated Direct Debit Instruction Amendment and Cancellation Service handling
Automated Return of Unpaid Direct Debit processing with intelligent retry logic
Full support for BACS 3-day processing cycle with automated scheduling
Instant alerts for transaction status, failures, and important events
Secure storage of all transactions and mandates with full audit trails
Our BACS Payments platform includes a powerful Multi-Channel Payment (MCP) system that unifies all your payment channels into one intelligent platform.
The MCP acts as a central hub, orchestrating payments across BACS (direct debits and direct credits), card payments, open banking, and more. It provides intelligent routing, automatic failover, and seamless customer experiences across all payment methods.
Manage all payment methods from a single interface
Automatically route payments to the optimal channel
Seamlessly switch between payment methods on failure
Single view of all transactions across channels
Let customers manage payment methods themselves
Works with Direct Debits, Cards, and Open Banking
Verify account details, reduce payment failures, and automate customer onboarding with our comprehensive validation suite
Real-time validation of UK bank account details to prevent payment failures before they happen.
Verify the account name matches the account details to combat fraud and misdirected payments.
Comprehensive identity verification and compliance checks to meet regulatory requirements.
We create fully branded, white-label onboarding experiences that seamlessly integrate with your existing website and back-office systems.
Fully customized forms, colors, logos, and messaging to match your brand identity perfectly
From initial sign-up through account validation, KYC checks, and mandate setup—all automated
Connect to your website, CRM, ERP, or back-office systems via API or webhook
Responsive design ensures perfect experience on desktop, tablet, and mobile devices
Speak to our integration team about your onboarding workflow
Branded form on your website
Modulus check + CoP verification
Identity verification & AML screening
Automatic Direct Debit setup
Customer onboarded & verified
Everything your business needs for professional BACS payment management
Collect recurring payments automatically from customer bank accounts using BACS Direct Debit scheme
Process single payment collections for invoices, bills, and ad-hoc charges
Manage subscription-based revenue with automated recurring collections
Perfect for gyms, clubs, associations collecting membership fees
Make bulk payments to suppliers, contractors, and vendors via BACS Direct Credit
Pay employees securely and on-time with BACS payroll submissions
Process customer refunds quickly and efficiently via Direct Credit
Pay affiliates, agents, and partners with automated commission runs
Complete mandate lifecycle management from creation to cancellation
Service User Number setup and management for multiple businesses
Comprehensive reporting and data analytics for all BACS activities
Automated reconciliation between BACS submissions and bank statements
Full-featured API for seamless integration with your systems
Pre-built integrations with popular accounting and CRM systems
Flexible data import and export in standard formats
White-label customer portal for self-service mandate management
Membership dues, joining fees, personal training payments
School fees, music lessons, after-school clubs
Rent collection, service charges, maintenance fees
Regular donations, fundraising, sponsorship payments
SaaS, streaming, subscription boxes, memberships
Premium collection, policy renewals, installments
Private healthcare plans, dental schemes, care homes
Bill payments, energy accounts, telecoms
Finance agreements, servicing plans, leasing
We can integrate with your existing bureau or BACS approved software provider to enable full automation of manual file submissions.
Connect to your existing BACS infrastructure without disruption
Eliminate manual file submissions and streamline your workflow
Maintain BACS compliance while adding automation capabilities
Reduce processing time from hours to minutes with automated submissions
Speak to our integration specialists about your current setup
Validate bank accounts in real-time and streamline customer onboarding with automated workflows
Real-time validation of UK bank account numbers and sort codes
Verify account name matches before processing payments
Create seamless, white-label onboarding experiences that match your brand identity with integrated KYC verification
Identity verification, address checks, AML compliance, PEP & sanctions screening integrated into the onboarding flow
Your logo, colors, and brand messaging throughout the customer journey
From KYC verification to mandate creation - completely automated workflow
Embed directly into your website or link seamlessly from your platform
Connect to your CRM, ERP, or accounting software via API or webhooks
Let's discuss how we can create a branded, automated workflow tailored to your business needs
Get in Touch to Discuss Your OptionsPurchase credit packs valid for 12 months. Higher volumes receive better rates.
Select your credit pack size to see the per-transaction rate
All credit packs valid for 12 months from purchase date
Our comprehensive RESTful API enables seamless integration with any external application or system. Built for developers, with clear documentation and SDKs.
Simple HTTP requests with JSON responses
Detailed guides, examples, and tutorials
OAuth 2.0 and API key authentication
Available for PHP, Python, Node.js, and more
POST /api/v1/mandates
{
"customer_name": "John Smith",
"account_number": "12345678",
"sort_code": "12-34-56",
"reference": "DD-001234",
"amount": 49.99,
"frequency": "monthly",
"start_date": "2026-02-01"
}
Response:
{
"status": "success",
"mandate_id": "MND-7891234",
"reference": "DD-001234",
"created_at": "2026-01-26T10:30:00Z"
}Join hundreds of businesses already using our platform to streamline their BACS payments