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 hundreds of employees or pay suppliers in bulk, paygate cuts manual work and ensures every submitted file meets Bacs standards.
Bacs payment software, aka Bacstel-IP, allows businesses to generate, validate, and submit payment instructions electronically via the Bacs network. These instructions can include payroll, supplier invoices, refunds, or other recurring payments.
Without purpose-built software, teams use manual exports, spreadsheet checks, and uploads: a process which takes time and can cause errors. Bacs payment software reduces these risks by automating validation, submission, and providing audit logs. This lets finance teams focus on strategic work, not repetitive tasks.
The system records every action and tracks approvals. Reports are available at a glance. Managers can trust payments are correct, compliant, and traceable.
paygate’s Bacs automation software delivers more than just file submission. It gives teams control, reliability, and confidence.
Finance teams benefit from:
• Automated validation: every payment file is checked against Bacs standards before submission.
• Approval workflows: managers review payments at each stage, ensuring accountability.
• Audit-ready reporting: every action is logged and easily exportable for compliance.
In addition to these core features, paygate offers cloud access, integrations, and onboarding support. This helps your team adopt the platform quickly and securely.
Manual payment processes are slow and prone to errors. Even small mistakes can delay payroll or supplier payments, leading to operational headaches. With paygate, the system automates validation and submission. This reduces mistakes and gives your team full visibility and control over payments.
Consider a finance team processing payroll for 500 employees. Previously, someone had to check every file manually before uploading it. One missed error could cause delays and frustration.
But paygate checks payment files automatically. A secure workflow manages approvals. The system submits files safely, without adding extra hours to your day.
Manual workflows slow down finance teams and increase risk of human error. But paygate connects directly with your accounting, payroll, and ERP systems to automate payment processing and reduce human error.
After your HR system approves payroll, paygate automatically generates validated Bacs payment files. The platform handles approvals, notifications, and reporting, so teams stay in control without touching every file.
For organisations that manage high-volume or custom workflows, paygate also offers Bacs payment API software. This enables internal systems to trigger payments automatically, streamline recurring transactions, and scale operations without increasing headcount.
Security, reliability, and control are critical for any payment platform. paygate centers on secure Bacs submission workflows, so finance teams can trust it to handle their payments safely.
Structured approval processes, visibility into payment runs, and encrypted file submissions reduce risk. We track every file and action, creating a clear audit trail for internal teams and regulatory compliance.
Imagine a business processing hundreds of supplier invoices every month. With paygate, the system automates approvals, scheduling, and submission, while managers review progress in real time. We flag errors before they reach the bank, giving your finance team peace of mind and control.
paygate is trusted by UK businesses that need reliable, scalable Bacs payment software. We built our platform specifically for finance and payroll teams responsible for business-critical payments.
Teams choose paygate because it helps them:
• Reduce manual steps and repetitive work
• Ensure payment accuracy and compliance
• Automate recurring payments
• Gain visibility over every approval and submission
• Integrate with existing finance and payroll systems
Our Bacs payment software turns manual, high-risk payment work into controlled, automated operations. This helps your team focus on strategic priorities with confidence.
paygate helps you simplify your Bacs payments. We help you automate your Bacs payments, set up secure systems and reduce manual effort.
Our team will help you set up the platform, onboard your finance and payroll teams, and ensure each payment run meets Bacs standards.
Watch our video to learn more:
Bacs payment software is a tool that allows businesses to create, validate, and submit payment files through the Bacs network. It is commonly used for payroll (Direct Credits) and supplier payments, ensuring transactions are formatted correctly and submitted securely.
Businesses typically need Bacs-compatible software to generate properly formatted payment files and submit them directly to the Bacs system. They can also use a Bacs-approved bureau to do this on their behalf.
Bacs software should include secure file creation, payment validation, submission capabilities, audit logs, and user access controls. Many solutions also offer automation, reporting, and integration with payroll or accounting systems.
Cloud-based Bacs software can be compliant if it meets Bacs security and technical standards. Providers must ensure secure data handling, encryption, and adherence to submission protocols such as Bacstel-IP.
Yes. Many Bacs solutions integrate with payroll systems to automatically generate payment files after payroll is approved, reducing manual input and improving accuracy.
Yes. Most modern Bacs software supports automation, including scheduled payment runs, automatic file validation, and approval workflows, helping reduce manual processes.
Bacs software is designed with strong security measures, including encryption, secure file transfer, access controls, and audit trails. Approved solutions must meet strict security requirements set by Bacs.
Direct submit software allows businesses to send payment files directly to Bacs. Bureau software, on the other hand, sends files through a third-party provider who submits payments on the business’s behalf.
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| paygate on prem | paygate v2 | paygate v3 | |
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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 | ✓ |
| PG on prem | PG Ev2 | PGv3 | |
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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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| PG on prem | PG Ev2 | PGv3 | |
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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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| PG on prem | PG Ev2 | PGv3 | |
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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 | ✓ |
