We have pulled together some commonly asked questions to help your business understand more about changes to how you access Bacs services. 

For any further help, please contact: 

  • Your payment service provider for PKI Smartcard & eSigner enquiries 
  • Your Software Solution Provider for software enquires. 

Or alternatively for general enquires contact us​​.

    What is SHA-256? ​
  • SHA-256 SSL has been adopted by the global internet community. It has been developed to take into account advances to software and hardware, as well as to counter increasingly sophisticated cyber-threats. ​

    Why is the upgrade necessary?​

  • As of June 2017, we upgraded both the Payment Services Website (PSW) and the Bacs.co.uk website to be compatible with SHA-256 security. These changes will affect users of secure internet and extranet sites globally when the SHA-1 certificate is discontinued.

    I have misplaced my eSigner instructions that I received with my PKI smartcard? What should I do? ​

  • Please contact your payment service provider (PSP), in the first instance. ​​

    I received my PKI smartcard after June 2017, how do I know if I am using the right version of eSigner?

  • Please contact your PSP in the first instance.​​​

    When will I receive my replacement PKI smartcard?​

  • Your PSP began issuing SHA-256 compatible PKI smartcards in June 2017. Each smartcard has a three-year lifecycle, and is renewed upon the expiry date of your current smartcard. All smartcards will be replaced by a SHA-256 compatible PKI smartcard by the end of May 2020.​​

    Will I receive an updated version of eSigner with my new smartcard? ​

  • Yes, your new smartcard will come with a new set of instructions from your PSP that will enable you to install the latest version of eSigner on your computer.​​

    What should I do if I received my new smartcard some time ago but can’t find the instructions to install the latest version of eSigner? ​

  • Please contact your PSP in the first instance.​​

    Is my PSP aware of this requirement and will they be contacting me?​

  • Yes, your PSP is aware of the SHA-2 upgrade program. PSPs have been involved in a three-year card replacement program to renew PKI smartcards, and provide an up-to-date version of eSigner, which began in June 2017. If you have received a replacement smartcard and the latest version of eSigner after June 2017, your PSP  will not be contacting you. ​​​

    Where do I go for software support? ​

  • You should contact your software solutions provider (SSP) who will be able to advise if your software needs to be upgraded.

    What happens if I don’t upgrade in time?​

  • If you don’t upgrade your PKI card and install the latest version of eSigner, and you don’t have a compatible software package, you will not be able to access Bacs payments when SHA1 certificates are withdrawn .

    How do I know if I have received the most up-to-date smart card from my PSP? ​

  • Smartcards have an issue date. If your smartcard was issued after June 2017, then it will be the latest version.​​

    How do I upgrade my Bacstel- IP software?​

  • In the first instance you should contact your software solutions provider for advice.​​

    Who should I contact if my software package has not been upgraded? ​

  • You should contact your software solutions provider in the first instance or if you have any questions relating to its upgrade.​​

    When will  SHA-1 certificates be switched off? 

  • The SHA-1 cut-off date has been set for 2 July 2021.

    What happens after the SHA1 cut-off date?​

  • The Bacs service will no longer support the SHA-1 security method. You will not be able to access our service if you are still using a SHA-1 certificate after this date. ​​​

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