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BACS Bureau Automation

The UK's first API-driven BACS Bureau service. Eliminate manual file submissions, automate Direct Debits and Direct Credits, and save hours every week.

Want to see it in action? View the BACS Bureau Demo with screenshots and detailed walkthrough

Calculate Your Price Request Demo
Market Innovation

Stop Manual BACS Submissions

The first API-driven BACS Bureau service that eliminates manual file creation and uploads. Automate what you're doing manually today.

Before Automation

  • Manual file creation every cycle
  • 4-6 hours per submission
  • Human errors and typos
  • Missed submission deadlines
  • Constant monitoring needed
  • Manual report downloads
4-6 hours per submission cycle

With API Automation

  • Automated file generation via API
  • Seconds instead of hours
  • Zero human errors
  • Never miss a deadline
  • Real-time webhooks
  • Automatic report processing
100% Automated - zero manual work
95%
Error Reduction
80%
Time Saved
100%
Automated
£1000s
Annual Savings

API-First BACS Processing

Revolutionary automation features that transform how you process BACS payments

100% API Automated

No manual file creation or uploads. Everything automated through our RESTful API.

Direct Integration

Connect your CRM, ERP, or accounting system directly. No middleware required.

Real-Time Processing

Instant mandate creation and transaction submission. Webhooks for status updates.

Fully Approved Bureau

Directly approved by BACS for Direct Debits and Direct Credits. Full compliance guaranteed.

Automatic Reports

BACS reports processed automatically. ADDACS, ARUDD, and reconciliation in real-time.

Flexible Pricing

Volume-based pricing that scales with your business. No setup fees or hidden costs.

Calculate Your Monthly Cost

Adjust the sliders below to see your estimated pricing

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) 500 credits
Transactions (1,000) - Always FREE 0 credits
New/Re-onboarding Mandates (100 × 35.00 credits) 3,500 credits
Total Monthly Credits Required 1,000 credits

Credit Pack Purchase (Months)

1 month

Credit price: 2.0p per credit - Volume discounts automatically applied | Valid for 12 months from purchase

Credit Purchase: Purchase credits for 12 months in advance (120,000 credits based on your current monthly usage). Credits remain valid for the full 12-month period.

Your Credit Requirements

Monthly Usage
10,000
credits/month
Projected Annual
120,000
credits/year

Tip: Purchase annual credits in bulk to maximize your volume discount savings!

1 month 12 months
Purchasing credits for: 1 month
Total credits: 10,000 credits
Credit Pack Cost: £200.00 + VAT
This Credit Pack Will Last
1.0
month
Based on your current monthly usage of 10,000 credits
Estimated Costs
Monthly
£10.00
+ VAT
@ 2.0p per credit
Annual (Buy Upfront)
£120.00
+ VAT
@ 1.5p per credit

Prices shown reflect volume discounts for monthly vs annual credit purchases

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 eSortcode Customer?

Setup is COMPLETELY FREE!

Our way of saying thank you for your continued trust

Pricing Explained

Why We Price by Mandate

Our system effectively automates and monitors every customer mandate record 24/7. Any changes detected to mandates are actioned automatically, ensuring your Direct Debit and Direct Credit operations run smoothly without manual intervention.

Active Mandates

Continuous 24/7 monitoring and automated management of mandate status changes, ensuring compliance and reliability without manual oversight.

New/Re-onboarding Mandates

Full KYC (Know Your Customer) checks as mandated by BACS. Includes PAF address validation, CoP verification, email & mobile checks, plus automated letter generation and documentation.

Complete Automation

We do it all — from mandate setup with full compliance checks to ongoing monitoring and automated onboarding of Direct Debits and Direct Credits. All at an affordable and realistic price.

Remember: Transactions against active mandates are completely FREE. You only pay for mandate management and the comprehensive compliance checks that keep your BACS operations running smoothly.

Billing Transparency

Why We Separate Usage Credits from Purchased Credit Packs

Our credit system is designed to be upfront, fair, and scalable — everything a billing system should be.

No Hard Limits

When running automations, it's critical that your system can always run without hitting hard credit limits. Your operations never stop, even during unexpected volume spikes.

Flexible for Everyone

From smaller clients to enterprise, our system flexibly handles diverse usage patterns. Pay-as-you-go or Enterprise SLA — the choice is yours.

Reward Prepayment

If you pay in advance, you should be rewarded. We benefit from prepayment, so you get better pricing with larger credit pack purchases (up to 50% savings).

Upfront & Fair

This mechanism is transparent, scalable, and fair — no hidden fees, no surprises. You always know exactly what you're paying for.

Enterprise SLA Exclusive Benefit

Optimised Annual Pricing

When you move to the Enterprise SLA, you benefit from annualised pricing billed monthly in arrears based on your projected annual usage. You always benefit from the best pricing — locked in at the lower annual rate — with the flexibility of monthly billing.

Pay-as-you-go
Higher per-credit cost
Based on monthly volume
Enterprise SLA
Lower per-credit cost
Based on annual volume

This pricing optimisation alone will easily save you the price of the Enterprise SLA licence (£99/month)

Always worth considering the Enterprise SLA when you sign up — the savings on credit pricing plus the additional benefits (FREE Modulus/CoP checks, 36-month credit validity, monthly billing in arrears) make it a compelling choice for any serious operation.

In summary: Our credit system ensures your automations never stop, provides flexibility for businesses of all sizes, rewards those who prepay with better pricing, and maintains complete transparency. It's a billing model that scales with you, not against you.

How our Automated BACS Bureau Works

Complete end-to-end automation from integration to reporting

BACS Bureau Workflow Diagram
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.

Automated Direct Debit Management

Upgrade to our fully automated DDMS for complete mandate lifecycle management, automated collections, ADDACS processing, and customer self-service portals.

Explore Full DDMS Solution

Ready to Start Automating?

Join the hundreds of businesses that are already using our services

Want to see it in action first? View the BACS Bureau Demo