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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 Digital disruptor signs up to Direct Debit
07 January 2019
The UK’s first bank built exclusively for tablet and smartphone users has turned to popular payment method Direct Debit to boost its offering – challenger brand Atom bank has joined Pay.UK-owned Bacs.
17 January 2019 14:52 PM
In our latest blog, Bacs’ Graham Callaghan looks at the increasing number of travel firms offering the option to pay by Direct Debit: #payments
16 January 2019 10:30 AM
Could 2019 see an increase in the number of #SMEs switching bank? This @SBankingNews piece suggests that might be the case. Thanks to the Current Account Switch Service it’s never been easier to move to a new banking provider
Travel firms increasingly turning to Direct Debit
18 December 2018
​​Christmas brings presents, trees, fairy lights, food - but with pockets already hit hard with the big festive spend, paying for two weeks away can seem a stretch - increasingly, though, there are firms making it that little bit easier.
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