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submit directly to bacs

Bacstel-IP electronic Bacs payment service

All about Bacstel-IP, the electronic Bacs payment service

The Bacs Payment Service allows Business customers to submit payments directly to the Bacs clearing system.

For more information please email our Cash Management team or contact your Relationship Manager. There's also help and information available on the Bacs website

Send in advance

You can send payments directly to Bacs, or through an approved bureau, up to 70 days in advance.

Smart security

Your submissions are protected by smart card technology.

Get management information faster

Get management information faster

You’ll be able to access Bacs payment reports quickly online.

State-of-the-art security

State-of-the-art security

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

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

Payments limits

Payments limits

We’ll also need to set a Bacs settlement limit before you can use Bacstel-IP.

If you go over your agreed limit, there will be a charge. 

Smart cards

Smart cards

Bacstel-IP users who are responsible for making payments will need to use smart cards to authenticate their Bacs connection before they send payment data.

3-day payment cycle

3-day payment cycle

Your payments will be processed over a 3-day clearing cycle. As long as data is received by 22.30 on day 1, payment will be received by 09.30 on day 3, and your account will be debited on the same day.

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