"The AA has a significant volume of transactions; a large amount of money is being handled. We felt that having a partner we can trust, but that can move quickly and keep us up to speed with new developments, was essential."
Bacs-Approved Software from a Trusted UK Provider
AccessPay is one of the leading Bacs-approved software suppliers in the UK – delivering secure, automated, and cloud-native Bacs payment services to more than 1,000 businesses. Whether you’re processing payroll, supplier payments or Direct Debits, our Bacs payment software helps de-risk every step, with full automation and audit-ready compliance.
Clients we’ve helped with
our Bacs-approved software
Get in touch and see how we can help centralise and de-risk your Bacs submissions as the first cloud-native Bacs-approved software provider in the UK.
Why choose AccessPay for Bacs automation?
Transparent, predictable pricing
Say goodbye to hidden fees. Our fixed annual subscription gives you confidence in your costs and helps simplify budget planning.
UK-based expertise
Our UK support team works directly with your finance and IT function, from implementation to optimisation. In fact, we have a customer satisfaction score of 99.7%.
One unified platform for all payment types
Whether you use Bacs Direct Credits or Direct Debits, CHAPS, Faster Payments, or SEPA, our platform handles it all, centralising payment control under one roof.
Automate Bacs payment submissions
AccessPay’s Bacs software integrates with your ERP, payroll or finance system to:
- Automatically pull payment files for Bacs submission
- Transform all payment files into compatible formats
- Validate and sign payment instructions securely
- Submit via HSM, Pin pad, websigner, or API to Bacs
- Detect payment issues early with live submission status
- Retrieve and route reports back into your systems
- Ensure every transaction is tracked, logged and auditable
This makes it easy to consolidate your Bacs payments in one cloud-based platform – reducing fraud risk, saving time and improving visibility.
Stay secure with robust governance & controls
Effective controls are crucial for risk reduction and governance across finance. AccessPay’s Bacs-approved software offers:
- End-to-end encryption and masking of payment data
- MFA, SSO and strict user-access controls
- Segregation of duties and dual approval workflows
- Automatable fraud and error checks on Bacs files
- Native account name verification
- Full audit logs, perfect for governance and compliance
Explore our use cases
Ready to centralise and de-risk your Bacs payment services? Get up and running
in as little as 12 weeks.
Get in touch with one of our experts by completing our contact form.
Seamless Bacs software integrations
AccessPay’s Bacs payment software integrates effortlessly across your finance ecosystem, ERP, payroll systems, HR platforms or favourite accounting apps, ensuring uninterrupted data flow and automation.
Bacs software pricing
As the UK’s first cloud-native Bacs approved software provider, AccessPay offers secure and flexible pricing.
We tailor your subscription based on your required security, workflow complexity and automation level, ensuring value and no hidden costs. Contact us for personalised pricing.
SMB
Starting at
£2,500.00
(£203.33/month)
Fixed annual subscription
- Modulus Checks
- Automated Approval Workflows
- Segregation of Duties
Corporate
Starting at
£5,500.00
(£458.33/month)
Fixed annual subscription
- Authentication via HSM or Smart Card
- Modulus Checks
- Automated Bacs Reports
- Automated Approval Workflows
- Segregation of Duties
- Dedicated Customer Success Manager
Enterprise
Contact
Sales
for a bespoke, Enterprise-ready solution
- Authentication via HSM or Smart Card
- Modulus Checks
- Automated Bacs Reports
- Automated Approval Workflows
- Segregation of Duties
- Dedicated Customer Success Manager
Helping The AA keep 14 million members moving
The AA processes weekly/monthly payroll and collects millions of Direct Debits each month using AccessPay’s Bacs payment software.
With two connected banks and multiple ERPs, our file-agnostic Bacs solution ensures 7,300 staff are paid on time, every time.
Lewis Jones
Head of Treasury Operations and Payroll
Built-in governance & compliance support
Every action within AccessPay is logged and exportable, ideal for internal reviews or external audits. Our Bacs approved software ensures traceability, transparency and peace of mind.
Custom workflows that fit your team
Whether you handle AP, Payroll or Direct Debit collections via Bacs payment services, we tailor our solution to match your established processes. AccessPay adapts to your workflow, no reverse change needed.
Partner with the first cloud-native
Bacs-approved software provider in the UK.
Get in touch with one of our experts by completing our contact form.
How does AccessPay work?
1
Automate your payment run
Automatically import Bacs payment files from connected finance applications via SFTP or API connection. Files can also be imported manually as a contingency.
2
Routing and file transformation
AccessPay instantly scans the payment file to recognise the purpose and configuration of your payment run to ensure the file is correctly formatted and passes through the correct submission workflows within AccessPay.
3
Validate your transactions
A modulus check is performed to alert users to any errors with the sort codes and account numbers contained within the file. Users can suppress problem transactions or files before they proceed with submission.
4
Perform fraud & error checks
A series of configurable rules may be applied to scan your Bacs submissions for potential errors, helping to identify and investigate potential duplicates, unrecognised creditors, and exceeded transaction thresholds.
5
Approve your submission
AccessPay is configured to mirror your internal approval processes. Whether you carry out approvals within your finance application or AccessPay, dual approval is available.
6
Authenticate your payment file
Authenticate the payment file via HSM, PIN pad readers or Websigner.
7
Process your submission
The file is ready to be submitted and will be processed via Bacs on the date assigned.
✓
Receive Bacs Reports
Receive and distribute Bacs reports, automatically routed into your back-office systems. See our FAQs for more information.
Automating payments with Admiral Insurance to scale with growth
Admiral Insurance, a major FTSE100 insurer in the UK, Europe and US, is on track to become fully cloud-based. As their Bacs payment software provider, AccessPay automates critical payment processes, boosting efficiency, reducing manual errors, and tightening fraud control.
"We’re looking to move all of our processes to cloud-based solutions [...]; and AccessPay aligns with our company objectives, plus we don’t have to worry about future transaction fees, it scales with us."
Chris Allison
Project Manager
FAQs
What prerequisites are needed for working with AccessPay?
To submit Bacs payments through AccessPay, you must have sponsorship from your bank in the form of a Service User Number (SUN). You can find more information on Service User Numbers here.
How does the AccessPay pricing model work?
At AccessPay, we’ll never charge per transaction. Instead, we offer a fixed annual subscription model, which means you’re not penalised for exceeding predicted transaction volumes during your contract with us.
Pricing is calculated based on multiple factors like transaction volumes, systems connected, and workflow requirements, and reviewed upon contract renewal.
How quickly can AccessPay be implemented?
You’ll be able to begin processing Bacs payments within weeks from the moment you sign up with us. We’ve implemented clients in as little as one week – Our dedicated team of implementation experts works with you to make it happen.
Is AccessPay a cloud-based solution?
Yes, AccessPay is a cloud-native solution – we were the first vendor to launch a cloud-based Bacs solution in 2012. Therefore, in order to leverage AccessPay, all you require is an internet connection.
Which finance applications does AccessPay integrate with?
AccessPay integrates with any application capable of generating a payment file. We’re able to connect to cloud-based applications via SFTP or API, and to on-premise solutions via SFTP.
Which file formats is AccessPay compatible with?
- Pain.001 v3 (CGI-MP)
- Pain.008 v2
- Pacs.008
- DSV (Delimiter Separated Variable file)
- Fixed width
- Standard 18
- DTA & PF-DTA
Which Bacs reports can AccessPay receive?
- arudd
- arucs
- auddis
- auddisarrival
- auddisinput
- auddiswithdrawal
- auddisinputtest
- auddisfileacceptance
- auddisfilerejection
- auddissubmission
- compliancehistory
- addaccs
- awac
What is the difference between a Smart Card and a Hardware Security Module (HSM)?
Using Smart Cards requires access to a physical device, called a smart card reader and requires access to third party software (Gemalto) to sign your submission.
A Hardware Security Module (HSM) is a digital form of authentication which does not require access to hardware. HSMs can be configured as either:
- Attended – requires authentication by an approved user
- Unattended – authentication is fully automated to enable straight through processing of Bacs submissions.
Is AccessPay secure?
Yes, we’re a Bacs-approved, FCA-registered vendor and we carry out regular security testing with 3rd party vendors, including:
- Regular penetration tests
- Cyber Essentials Plus certification
- Compliance with information security and business continuity ISO standards
Ready to explore how AccessPay can help your business?
If you’re looking for support with your next bank integration project, you’ve come to the right place.
Complete the form to schedule a free consultation with one of our bank connectivity specialists.
Speak to our team ➜