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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 Bank Holiday payment problems
01 August 2019
​The August Bank Holiday is fast approaching and Pay.UK, the home of Direct Debit and Bacs Direct Credit in the UK, is reminding businesses to plan ahead to avoid missing important payment commitments.
14 October 2019 12:59 PM
ICYMI: Our 2020 processing calendar is now available to download, to help you keep on top of those important payment dates: #payments
11 October 2019 09:43 AM
@danyounglol Hi Dan – you can find the contact details for our service desk team, here: Hope that helps.
Bulk Payment Redirection Service delivers efficiency savings for London Mutual Credit Union
29 July 2019
The innovative Bulk Payment Redirection Service, makes use of the proven payment redirection facility, developed for the hugely successful Current Account Switch Service.
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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 and 2020 processing calendars

    The Bacs processing calendars​ 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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