Fully autonomous BACS payment processing powered by AI. 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
Pay only for what you use. Volume discounts automatically applied.
Adjust the slider to estimate your monthly costs
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