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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.
25 April 2019 14:11 PM
Our new Careers page has lots of exciting opportunities available and is always being updated; check it out and find out more about the benefits of working at @WeArePayUK #jobs #payments #Careers
23 April 2019 14:40 PM
As the number of travel firms offering a Direct Debit payment option continues to grow, here’s Graham Callaghan's take on the trend, from the end of last year: #payments
Building on strong foundations
21 February 2019
Automated payments hit an all-time high in 2018, with a host of records broken across the year. This included new annual, monthly, and daily highs – with the latter surpassed twice.
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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​​​

  • WWWModern slavery statement
    We are committed to playing our part in helping to prevent any incident of modern slavery in our business​​​​​
  • PDFThe Little Bacs Book
    The essential guide for making and collecting payments by Bacs Direct Credit and Direct Debit​
  • BACSEmployee diversity
    A pledge for gender balance across financial services
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