Our team of Bacs experts are here to help
Contact us to book a demo, take a closer look at our platform and get all the answers you need.
Secure revenue, block fraud and lock in compliance with our battle-tested platform and services
Built on modern infrastructure, our trusted Bacs platform provides secure bank connectivity for Direct Debits, Direct Credits and UK Faster Payments. The paygate modular design scales with your buisness needs, offering smart workflows, automated uploads, fraud protection, data validation, contingency planning, emergency payments, and a Bacs-approved Bureau facility – all in one cost-effective solution.
Connect with any finance or back-office system and map files from any format for fast Bacs submission
Validate payment data at source to prevent errors
and rejected transactions
Strong data protection with encryption and access controls for guaranteed data integrity
ISO27001 compliant platform, enhanced data checks and GDPR-grade data management tools
“paygate is an extremely robust solution that’s very easy to use. It processes transactions with impressive speed and overall the solution gives us great time saving benefits”
Martin Morris, Payroll Manager
Cyngor Gwynedd Council
With our Direct Debit Management System (DDMS), businesses can easily handle regular or one-off collections from one platform, ensuring customers pay on time, while Direct Credits enable fast and reliable payments directly into recipients’ bank accounts.
AUDDIS lets businesses send Direct Debit instructions electronically, cutting paperwork, errors, and delays for faster, smoother payments. With Online Signup, payment details are accurate from the start, reducing errors and missed payments.
paygate supports Faster Payments via Barclays, giving businesses the ability to receive funds almost instantly. This means faster settlements, improved cash flow and a smoother experience for your customers, helping your business operate efficiently.
paygate acts as your secure gateway for sending payment files to Bacs. The process is simple. Just upload your file, verify the details, and submit it for processing. Every file is encrypted, authorised, and transmitted directly to Bacs.
Save time with Bacs A-reports automatically downloaded into paygate. Quickly and conveniently check submission success, pinpoint errors and take swift remedial action, all without leaving the platform.
As your business grows, paygate makes it easy to move into more advanced features. Start with essential payment processing and scale at your own pace, giving you the flexibility to expand without disruption.
Validate Plus delivers a complete solution to stay Bacs compliant, prevent fraudulent payments, and perform thorough customer verification through robust KYC checks.
With modulus check, email, phone and address validation, plus Confirmation of Payee & Payer (CoP), you can easily build the full range of verification checks into your business processes to save time, streamline operations and stay compliant.
paygate combines security, reliability, and efficiency, offering businesses a trusted, cost-effective solution that supports business growth.
Whether you’re transitioning from another solution or new to the market, getting started with paygate is quick and easy, with expert support ensuring a smooth transition and minimal disruption, giving your business the flexibility and confidence to succeed.
We’re always on hand to answer any questions and give advice. Click the button below to reach out.
Essential Bacs is an entry-level Bacs approved software solution that allows businesses to create, manage, and submit Direct Credit and Direct Debit payment files directly to Bacs. It is designed for smaller businesses and organisations that need a straightforward, cost-effective way to process Bacs payments without the complexity or overhead of more advanced enterprise systems.
Essential Bacs typically includes payment file creation and submission, Direct Credit and Direct Debit processing, validation checks, scheduling, basic reporting, and secure submission, providing everything a smaller business needs to process Bacs payments efficiently.
If using a bureau service, the bureau handles submission approvals, and you typically do not need your own SUN.
Essential Bacs simplifies payment processing by providing a straightforward, approved platform to create, validate, and securely submit payment files to Bacs, removing the need for manual processes and reducing the risk of errors.
Yes, small businesses can benefit greatly from Essential Bacs, as it provides an affordable, easy-to-use solution for managing payroll and Direct Debit collections without the cost or complexity of enterprise-level payment software.
Essential Bacs is built with security in mind, using encrypted file transmission and meeting strict Bacs accreditation standards, so businesses can submit payments with confidence knowing their data is fully protected.
Contact us to book a demo, take a closer look at our platform and get all the answers you need.
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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 | |
|---|---|---|---|
| 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 | |
|---|---|---|---|
| Enhanced reporting including real-time usage | ✓ |