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The Bacs Payment Service allows businesses to submit their payments to the Bacs payment system directly, helping to protect your businesses security and creating clear and simple auditing processes

Send payments in advance

Send your payments directly to Bacs, or through an approved bureau, up to 70 days in advance

Smart security

All your submissions are protected by smart card technology, which keeps your payments safe and secure

Faster reports and payments

Faster reports and payments

Access your Bacs payment reports online, with payments being processed over a 3-day clearing cycle. As long as the data is received by 10.30pm on the first day, the payment will arrive by 9.30am on the third day.

State-of-the-art security

State-of-the-art security

Automatic payments remove the worry of needing cash or cheques. Public Key Infrastructure (PKI) ensures your payments are processed securely.

Smart cards are used to authenticate users before they can send payment data.

How to set up Bacstel-IP

How to set up Bacstel-IP

You can request the service by contacting your Relationship Manager or our Cash Management team. They will happily guide you through the process.

We will need to know: 

  • How you’ll be submitting Bacs payments
  • If you’re submitting Bacs payment files yourself, which Bacs-approved software you’ll be using
  • The bureau number if a Bacs bureau is submitting payment files for you

Payment limits

Payment limits

We’ll need to establish a Bacs settlement limit before your business can use BACSTEL-IP.

If you exceed this limit, charges will apply.

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