Whitepaper: The future of Bacs Will Faster Payments and VRPs replace Bacs and Direct Debit? The UK payments landscape is at a pivotal moment. Long-standing infrastructure such as Bacs and Direct Debit continues to underpin billions of transactions each year, providing the reliability and cost efficiency that organisations depend on. At the same time, the… Continue reading Whitepaper: Is Bacs going to be around forever?
Beginner’s guide to Bacs payments Whether you’re new to the payments industry or you’re a finance team thinking about processing Bacs payments for the first time, understanding the basics will help you get up and running quicker and more effectively. If you’re looking to sign up for Bacs software for the first time, this is… Continue reading Beginner’s guide to Bacs payments
How to set up a Bacs provider: Costs, requirements and timelines | paygate Setting up a Bacs provider is one of the most important steps for businesses moving from manual bank payments to automated payroll and supplier processing. If you’re looking to sign up for Bacs software, understand pricing, or switch providers, this guide explains… Continue reading How to set up a Bacs provider: Costs, requirements and timelines | paygate
Bacs payment software for businesses | paygate paygate provides secure, reliable Bacs payment software that helps UK businesses automate payroll, supplier payments, and recurring transactions. Designed for finance and payroll teams, our platform delivers accuracy, control, and visibility. With paygate, teams can manage every payment run with confidence. Whether you manage payroll for… Continue reading Bacs payment software for businesses | paygate
A Guide to Email Verification Tools Accurate email data is critical for smooth business operations. Invalid or fraudulent addresses can cause missed communications, payment delays, and operational inefficiencies. For organisations using automated systems like Bacs payments, clean contact data is essential. paygate’s Email Verification tools, part of the Validate Plus suite, help businesses verify, manage,… Continue reading A Guide to Email Verification Tools
A guide to managing Business Payments with Bacs Software Business payments are the financial transactions that keep companies running. They include payroll, supplier invoices, tax obligations, pensions, benefits, and customer refunds. Business payments are high-volume, time-sensitive, and often complex. For this reason, companies need systems that can process large numbers of payments securely and efficiently.… Continue reading Managing Business Payments with Bacs Software
Bacs payments explained: how to pay by Bacs in the UK If you run a business or manage payroll in the UK, you’ve likely heard the term Bacs payment. As one of the most widely used systems for transferring money between bank accounts, Bacs has played a vital role in UK banking for decades. But… Continue reading Paying by Bacs Explained
Best Bacs software providers A practical guide for businesses Businesses in the UK often rely on Bacs (Bankers’ Automated Clearing Services) to manage payroll, supplier payments, and other direct credit transactions efficiently. Choosing the best Bacs software is a critical decision for ensuring compliance, security and reliability. This article outlines the best Bacs providers in… Continue reading Best Bacs Software providers
Data Validation tools for Bacs Software Data Validation tools, when integrated with Bacs Payment Software, are used to help process secure, error-free payments. Whether it’s for payroll, supplier invoices, or business payments, a robust Data Validation tool will make sure your payment data is accurate, so you can avoid costly mistakes and maintain operational efficiency.… Continue reading Data Validation tools for Bacs Software
Contingency planning is essential for every business. Also referred to as business continuity planning, it ensures you’re prepared for unexpected events that could cause operational problems for your business, or even disable it completely.
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Security policy manager * Includes: password complexity manager, inactive timeout, time restrictions, IP address restrictions | ✓ | ✓ | ✓ |
AWS ISO27001 hosted * Primary fail over and back up UK data centres | ✓ | ✓ | |
SFTP file uploads/downloads *Secure way to move files across the internet, customers can use their own certificates | ✓ | ✓ | ✓ |
| Gemalto security tokens MFA | ✓ | ✓ | ✓ |
| Email MFA | ✓ | ||
| SMS MFA | ✓ | ✓ | ✓ |
APP MFA * Works with common auth apps such as Google Authenticator, Authy. Works on Android or iOS. | ✓ | ||
| PG Platform ISO27001 | ✓ | ||
Fraud tool *Currently support Blacklists and Whitelists. In a blacklist you add various sortcodes / account numbers and the system will prevent any payment to those accounts. In a whitelist you add sortcodes and account numbers and the system will ONLY allow payments to accounts on the whitelist. We include various tools to help build and maintain the lists. | ✓ | ||
GDPR subject access request * Search tools to help perform a GDRP lookup. Then can optionally ‘sanitise’ personal data from the system. | ✓ | ✓ | ✓ |
GDPR Data cleansing *Remove historical data by bulk or individual. | ✓ | ||
Browser compatbility * We maintain support for Chrome, Edge and Firefox. | ✓ | ||
Built for performance * Version 3 runs on super modern, high-end infrastructure | ✓ | ||
Single Platform * Customers have a single user account that they can use across all services (Enterprise, Online, Validate, etc). | ✓ | ||
Agent rebuilt key management system * Very secure way to get files to and from the Paygate cloud. Supports ways to automate files being sent into the paygate cloud and retrieving reports from the cloud. Key management was rebuilt for V3 to further increase security. | ✓ | ||
HTTPS uploads/downloads * paygate v3 supports both SFTP and HTTPS. | ✓ | ||
In browser File and Folder handling * Allows customers to securely organise their files and folders that are stored on paygate | ✓ |
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| Logging tickets by email | ✓ | ✓ | ✓ |
| Logging tickets by portal | ✓ | ||
| Logging tickets by phone | ✓ | ✓ | ✓ |
| Dedicated account management | ✓ | ✓ | ✓ |
| Uptime improvements | ✓ | ||
| Ongoing development | ✓ | ||
| Bug fixing | ✓ | ||
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Auto File Import *Automatically imports a payment file and validates it. Users no longer need to manually browse for and import a file, paygate will do this in the background and present the validation results to the user. |
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Designer in browser * In V2 Workflows use an older style desktop app. In V3 workflows are built and managed in the Paygate Browser app. It’s much easier to deploy and manage. |
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| Designer 3rd party app | ✓ | ✓ | |
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Improved logging * A feature mainly for PS/CS to help them diagnose problems with workflows. Problems can be diagnosed and fixed faster. |
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New scheduler triggers * A new trigger type that allows the user to set up a workflow like you set up a meeting in Outlook. For some, this is more flexible and easier to understand than using CRON. |
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Triggers for multiple workflows * You can use a single trigger to start multiple workflows. It’s a simple feature that will make things easier to manage if you have a lot of workflows. |
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Workflow validation * Troubleshoots new workflows, validation |
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Workflow chaining * Allows a workflow to call another workflow. Using this you can simplify large complicated workflows in smaller separate ones. Easier to manage and diagnose issues. |
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New nodes * Various new nodes that help to build new types of workflows or help manage existing workflows. |
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Full documentation V3 will be fully documented with help guides and tutorials.
and tutorials * |
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Multiple filename variables * Supporting multiple filename variables should make designing complex workflows a bit easier. |
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Future developments * Pure Excel Importer – XLSX; BACS Calendar Widget; Workflow Timeline; Workflow / Mobile App notification / management; S3 Connector |
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Download and distribute A Reports * When you have workflow and HSM you can automate the entire BACS report download process. They can automatically be converted to other formats for integration into finance apps. They can be emailed to customers as html, pdf or zips. They can be made available for collection via SFTP. Or, if you use Agent, they can be security delivered to the customer’s private network. |
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| Partial submission | ✓ | ✓ | ✓ |
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Lightsout submission * No signing |
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| Standard nodes for initiation | ✓ | ✓ | ✓ |
| PG on prem | PG Ev2 | PGv3 | |
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| Batched bureau submissions | ✓ | ✓ | ✓ |
| Manual & Automated submission builder | ✓ | ✓ | ✓ |
| Customer import | ✓ | ✓ | ✓ |
| Bacs reporting tools | ✓ | ✓ | ✓ |
| Recall Bureau Customers by ID | ✓ | ||
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Submission Re-entry * Complete your submissions over any amount of time
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Familiar workflow throughout *It will be familiar to V2 customer but they will notice improvements. |
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| Revamped manual submission mode *This is completely new in V3 Bureau.
Those customers wanting a more manual way of building their submission (Rather than using Jobs) will find a new, efficient way of working.
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Drag and drop files from anywhere *Like in other areas of V3. User can just drag and drop file in Bureau for processing. They can also use the Restricted File Browser and Server file browser – that add more security – if they wish. |
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Support for multiple file formats per submission * No longer limited to single Standard 18 submission for example
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Better default filename support *Makes working with files easier. |
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Usage Reporting over data range *Small but useful improvement to reporting. User can set a date range on the usage report. |
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Validate *Validate is integrated in V3 and so customers that have both products can access them from the same client with the same account. |
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API Access *Validate API and the Payment API.
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| 4x Faster | ✓ | ||
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Save Submissions *Save an ‘in-progress’ submission and return to it later. Build up a submission during the day |
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| Improved payment and submission searching | ✓ | ||
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Customisable dashboard *Many useful, module specific, dashboard widgets, e.g. Payments, collections, workflow, etc. |
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| PG on prem | PG Ev2 | PGv3 | |
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| Enhanced reporting including real-time usage | ✓ |
