This page is updated to show dates adjusted for bank holidays and festive periods.
If you have a question about Bacs processing dates, we’d love to hear from you. Click the link below to get in contact.
There are additional Bacs non-processing days over the festive period. We have outlined these in the table below.
To ensure your payments are made on time, please submit your files as early as possible. You can submit files up to 30 calendar days in advance of the processing date. If you are unable to submit in advance, we recommend early submission on the input day.
This page was last updated 18 August 2026
We’re always on hand to answer any questions and give advice. Click the button below to reach out.
Bacs payments follow a three-day processing cycle — files are submitted on day one, processed by Bacs on day two, and funds are credited to the recipient’s account on day three. It’s important to factor in bank holidays and weekends, as these can affect processing timescales.
The three-day Bacs cycle works by first submitting your payment file on day one, which is then processed and validated by Bacs on day two, before funds are finally credited to the recipient’s bank account on day three. Bank holidays and weekends are not counted as processing days, so it’s important to plan submission dates accordingly.
If a Bacs submission misses the processing deadline, the payment will need to be resubmitted in the next available processing window, pushing the settlement date back by at least one working day.
Bank holidays are not counted as Bacs processing days, so any submissions made around a bank holiday will take longer to clear than usual. It’s important to plan ahead and submit payment files earlier to ensure funds arrive on time and avoid delays to payroll or supplier payments.
Businesses can plan payroll effectively by working backwards from the required payment date using the three-day Bacs processing cycle, factoring in bank holidays and weekends to ensure files are submitted on time and employees are paid on the correct date.
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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 | ✓ | ✓ | ✓ |
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| Logging tickets by phone | ✓ | ✓ | ✓ |
| Dedicated account management | ✓ | ✓ | ✓ |
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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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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.
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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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Lightsout submission * No signing |
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| Standard nodes for initiation | ✓ | ✓ | ✓ |
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| Batched bureau submissions | ✓ | ✓ | ✓ |
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| Customer import | ✓ | ✓ | ✓ |
| Bacs reporting tools | ✓ | ✓ | ✓ |
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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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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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