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Automated payments are at the very centre of the UK’s financial system, providing an essential service for both consumers and organisations.

Bacs is the company which runs Direct Debit in the UK. We also run the Bacs Direct Credit Scheme, which is used to pay salaries and settle invoices from suppliers; this is commonly referred to just as Bacs.

Bacs Payment Schemes Limited is a wholly owned subsidiary of Pay.UK

The systemically important operations for Direct Debit and Bacs Direct Credit as well as the Current Account Switch Service, Cash ISA Transfer Service, and the Industry Sort Code Directory are owned and operated by leading UK retail payments authority, Pay.UK. 

Pay.UK has taken overall responsibility for the activities previously carried out by Bacs Payment Schemes Limited, Faster Payments Scheme Limited, The Cheque & Credit Clearing Company Limited, and UK Payments Administration Ltd. While now part of Pay.UK, the Bacs team will continue to manage the company’s  products and services as normal. Neither consumers, service users, nor payment service providers (PSPs) will see any change. For further information, please visit​.​​​​

News centre
News centre
PRESS RELEASE Businesses urged to plan ahead to avoid delays to Easter payments
12 April 2019
​With Easter 2019 just around the corner, Pay.UK is urging business owners to plan ahead if they are to avoid missing payments to staff and suppliers over the long Easter Bank Holiday weekend.
16 July 2019 11:21 AM
“The Industry Test Strategy forms a vital part of delivering the NPA, we need to ensure all participants are clear on our testing approach and we need to make sure they’ve helped shape it” – Head of NPA Testing Apply to the Testing AG by 24 July
16 July 2019 11:21 AM
ICYMI: Take a look at our new case study to find out how the innovative Bulk Payment Redirection Service (BPRS) helped one credit union migrate thousands of accounts to a new banking provider:
Masterclasses prove popular
03 May 2019
Our latest masterclass for service users took place recently, offering another opportunity for those organisations which use Bacs’ products to learn about latest developments, and speak directly to members of the team.
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  • BACSGuide and Rules microsites

    Microsites for the various editions of the Guide and Rules for Bacs services and schemes​​​​​

  • BACSBacs 2019 processing calendar

    The 2019 Bacs processing calendar​ showing non processing dates and indicating Julian dates to assist with processing​​ payment​ files​​​

  • PDFRecord volumes and values 2018
    Bacs has processed over 130 billion payments and set a new record, with 123 million transactions processed in a single day​​​​​
  • PDFThe Little Bacs Book
    The essential guide for making and collecting payments by Bacs Direct Credit and Direct Debit​
  • BACSBacs News Centre
    Latest news and press releases from Bacs​
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