Service Users
Welcome to the service user document library, where you can find our most used documents in one easy-to-access location.
Some documents are protected, so to access these you will need to make sure you are logged in to your account. If you do not have an account yet and are an eligible service user, you will need to register for your password.
Once logged in, please note this is not an exhaustive list of documents you may need. To find more information, please use our search function or access the guide and rules.
Bacs Payment System processing calendar 2025
The 2025 Bacs Payment System processing calendar showing non processing dates and indicating Julian dates to assist with processing payment files
DDIC Challenge Process - Service User Guide
DDIC Challenge Process - Service User Guide
The Bacs Book
The essential guide for making and collecting payments by Bacs Direct Credit and Direct Debit
Collecting reports from payment services
Overview of how to access and collect reports from payment services website
Bacstel-IP - service user guide
Overview of the EFT service and how to use the Bacstel-IP service
Bacstel-IP password help
Bacstel-IP password help
The Service User's Guide and Rules to the Direct Debit Scheme - PDF version
The Service User's Guide and Rules to the Direct Debit Scheme
The Service User's Guide and Rules to the Bacs Direct Credit Scheme - PDF version
The Service User's Guide and Rules to the Bacs Direct Credit Scheme
Bacstel-IP for direct submitters - getting started guide
Guide for organisations submitting payment information directly to the Bacs service using Bacstel-IP
Bacs guide to collecting messaging reports
The essential guide to downloading Bacs Payment System messaging reports to ensure payments are successfully made and collected
Direct Debit indemnity claims (DDIC) best practice sheet
Best practice tips for service users to help reduce the level of Direct Debit indemnity claims
Paperless Direct Debit - an introduction to the service
Guide to paperless Direct Debit