Bacs cookie policy

We use cookies on our website to provide you with the best possible online experience. By continuing to use this site, you give consent for cookies to be used. Please read our cookie policy for more information and details on how to change your preferences. Cookie Policy.

Operating the Schemes – Coronavirus

​​​We have been issuing some helpful guidance, hints and tips to support organisations to continue to operate Direct Debit during COVID-19. 

In addition we have been working with the industry to implement two temporary rule changes to help organisations during COVID-19. 

The first temporary change introduced in early June relates to the provision of non-AUDDIS Direct Debit Instructions to paying payment service providers (PSPs).

The second temporary rule change effective from 29 June 2020 is to increase the dormancy period to 24 months to minimise the impact of payment holidays during the COVID-19 pandemic.​


Non-AUDDIS DDI provision

Temporary rule change - provision of non-AUDDIS Direct Debit Instructions to PSPs. 

Payment holidays

Tips on providing customer refunds when offering payment holidays or suspensions.


Dormancy period extension​

Temporary rule change to increase the dormancy period to 24 months. 

File submissions

Hints and tips on getting your Bacs files submitted safely and securely whilst working away from your usual place of work.


Refunds under Guarantee

Guidance for PSPs when a request for a refund under the Direct Debit Guarantee is received. 

Adapting processes

How we are adapting processes to meet service user needs during COVID-19​.​​

Links to extra information relating to the page you are on
Information Hub
Minimize Operating the Schemes – Coronavirus
NOT REGISTERED YET? Some areas and assets are password protected and only available to eligible registered users. To gain access to all the information you need register for your password and log in first every visit REGISTER