Open or closed status
Closed, transferred, or invalid accounts drive failed payments. Continuous monitoring keeps status current before the next cycle runs.
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Pricing, workflow, bureau integration, and DDMS
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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.
Active Mandates
Continuous open/closed monitoring and automated management of mandate status - ensuring accounts remain valid without manual oversight.
New/Re-onboarding Mandates
Full KYC checks as mandated by BACS - PAF, CoP, email & mobile - plus automatic re-onboarding when accounts need to be set up again.
Complete Automation
We do it all - continuous open/closed monitoring, CoP validation, client alerts, full BACS submission, and automatic re-onboarding. All at an affordable and realistic price.
Remember: Transactions against active mandates are completely FREE. You only pay for continuous monitoring, mandate management, and the compliance checks that keep bank details valid.
Billing transparency
How credits work
Usage is tracked in credits. You buy credit packs up front - so automations keep running and larger packs unlock better rates.
No hard stop
Operations keep running during volume spikes. You’re not blocked mid-cycle by a hard credit wall.
Flexible for every size
Works for small volumes and enterprise. Choose pay-as-you-go packs or Enterprise SLA billing.
Better rates for prepay
Buy more months of credits at once and volume pricing drops the per-credit rate automatically.
Clear and fair
No hidden fees. You always see what active mandates and new onboarding cost in credits.
Enterprise SLA
Annualised rate, monthly billing
Lock in the lower annual per-credit rate while still paying month by month in arrears on projected usage.
Pay as you go
Higher £ / credit
Enterprise SLA
Lower £ / credit
Rate savings alone often cover the £99 + VAT / month SLA - plus free modulus/CoP checks and longer credit validity.
In short: credits keep automation running, scale with you, reward prepayment, and stay transparent - a billing model that grows with your BACS volume.
How our Automated BACS Bureau Works
Complete end-to-end automation from integration to reporting
1
API Integration
Connect your CRM and back office systems via our RESTful API for seamless data flow.
2
Mandate Creation
Create mandates manually or automate via workflow. Flexible integration options.
3
Add Transactions
Variable transactions linked to active mandates. Add via API, manually, or bulk upload.
4
BACS Reports
BACS reports automatically processed with real-time status updates for all transactions.
5
Webhooks Fired
Real-time notifications sent via webhooks for each unique transaction status change.
6
Access & Monitoring
Pull transaction status directly via API or view all activity in the integrated portal.
Flexible Integration
Keep Your Existing BACS Bureau
Don't want to switch bureaus? No problem. We automate file submissions to your existing BACS-approved bureau using secure SFTP transfers, then automatically process BACS reports and update transaction statuses via webhooks or API for a completely automated solution.
Service User Number (SUN) Registration
Important: To use our BACS submission service, you will need to register your Service User Numbers (SUNs) to our bureau service with BACS.
Switching Submitters
If you're switching from another bureau to use our submission service, SUN registration with BACS is required.
Not Switching
If you're keeping your existing bureau and only using our automation layer, SUN registration is not required.
We can help guide you through the SUN registration process with BACS - it's straightforward and we've done it many times!
Your CRM/ERP
API Integration
Our Automation
File Generation & Validation
Secure SFTP
Your Existing Bureau
Any BACS-Approved Submitter
BACS Reports via SFTP
Report Automation
Auto-process & Update Status
Webhooks / API Response
Status Updates
Real-time Transaction Status
Benefits of Bureau Integration
No Bureau Change
Keep your existing BACS bureau relationship. No need to switch providers or update bank details.
Full Automation
Eliminate manual file creation and uploads. Automated SFTP transfers handle everything.
Standard 18 Files
We generate perfectly formatted BACS Standard 18 files compatible with any bureau software.
Secure Transfer
Bank-grade encryption with secure SFTP protocol. Your data remains protected at all times.
Automated Reports
BACS reports automatically retrieved, processed, and transaction statuses updated. Real-time notifications via webhooks or API polling for complete automation.
Full BACS Bureau Service or Existing Provider Integration
Save Costs with Our Full BACS Integration
Our solution includes full BACS bureau integration, which means you can eliminate the costs of using third-party BACS approved software services. However, if you prefer to work with your existing provider, we're happy to integrate with them too!
We integrate with any BACS-approved bureau or software that accepts Standard 18 file submissions via SFTP, API, or secure file transfer.
Compatible BACS Approved Software Providers
Absolute Payment Solutions
AccessPay
Bottomline Technologies
Elseware
Finastra (Accountis)
Interbacs
Mosaic Software by ClearDebit
OneAdvanced Limited
Paygate
Smarterpay
Your Existing Provider
Not sure if your bureau or software is compatible? Contact us to discuss integration options.
Direct Debit Management (DDMS)
DDMS is the bolt-on that adds the ability to schedule payments and set up recurring payment plans for subscriptions - on top of BACS Bureau mandate monitoring, validation, and submission.
Scheduled & recurring plans
Run subscriptions and membership-style collections with scheduled Direct Debits and recurring payment plans - automated collections, ADDACS handling, and mandate lifecycle management without manual cycles.
Card capture on DD failure
Link DDMS to our card payment system so failed Direct Debits can be recovered on card, then re-onboard customers through our intelligent workflows - less revenue leakage, less manual chase.
Built for organisations with their own SUN
This service is for businesses and organisations that have (or will hold) their own Service User Number (SUN) - you stay the BACS service user while we power automation, compliance and recovery.
Significantly cheaper than GoCardless
Because you use your own SUN with our mandate-based pricing, DDMS is typically significantly cheaper than alternatives like GoCardless - without giving up scheduled collections, subscription plans, failed-payment recovery, or intelligent re-onboarding.
Complete mandate lifecycle management, automated collections, ADDACS processing, card recovery, and customer self-service - all on the same platform as your BACS Bureau.