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.
Approved since the earliest days of Bacs, the paygate platform combines proven reliability with intelligent automation – cutting costs, stopping fraud and eliminating errors.
Powerful, intuitive and built for payment teams who demand both.
A modern, resilient platform for critical payments, delivering reliable high-volume performance with expert UK-based support.
Data protection by design with encryption, SSO, granular access, audit trails, secure AWS hosting, and GDPR-compliant data handling.
Built to accommodate growth in submissions, users and use cases. Suitable for SMEs through to large enterprises and Bacs bureaux.
Straightforward, predictable pricing without transaction fees. Transparent, fair, and based on usage rather than volumes.
For organisations using their own SUN to submit directly to Bacs via secure, approved software. Modern, reliable, and fully supported.
For businesses using paygate’s bureau SUN. No smartcards or Bacs accreditation needed. Simply upload files and we handle the rest.
For Bacs-approved bureaux that require reliable, compliant software to serve their own customers at scale. A trusted solution, used by over 500 bureaux in the UK.
Why compromise? Get the Bacs solution that fits your business.
Automate supplier payments, payroll and one-off disbursements using a secure, compliant Bacs workflow.
Manage collections end-to-end with validated files, error-free submissions and secure approval processes.
Outsource submissions to paygate’s accredited bureau. Ideal for organisations needing simplicity, reduced risk or support with compliance.
Start by gathering all payment or collection instructions and compiling them into a correctly structured Bacs file, ensuring all account details, amounts, and dates are accurate.
paygate automatically validates your file for errors and provides clear prompts for internal approval, helping you avoid rejections and maintain strong governance.
paygate securely encrypts and signs your file using your chosen method—smartcard or HSM—so every submission meets Bacs’ strict security requirements.
With a single action, paygate submits your fully prepared file directly to Bacs, streamlining the process and reducing manual steps.
paygate retrieves all Bacs processing reports for you, centralising confirmations, warnings, and error messages in one place for easy review.
Inside paygate, you can quickly compare reports against your payment activity, helping you identify issues, resolve exceptions, and keep your records accurate.
paygate automatically archives all files, approvals, and reports, giving you a complete audit trail that supports compliance and simplifies future audits.
“We’ve been so impressed with the paygate solution. The stability of the solution has been really, really first class. paygate does exactly what it says on the tin, and that’s exactly what we need”
JOHN SMITH
Systems Development Accountant
paygate’s cloud solution provides secure, real-time transaction processing with easy e-commerce integration, strong fraud protection, multiple payment options, and analytics to streamline payments and enhance the customer experience.
Our paygate’s private cloud offers dedicated infrastructure for clients needing enhanced security and compliance. It allows controlled, scalable environments.
paygate can be deployed on-premise in your own infrastructure, with full control over hardware, security, and compliance. This approach suits clients with strict regulatory or internal governance requirements.
We take service availability seriously. That’s why our solutions have baked in automated monitoring, system-wide checks every 5 minutes and immediate alerts at the first sign of any issue.
We think you should be able to see exactly how we’re performing, so our service status page gives you real-time availability, 90-day performance history, and visibility of planned maintenance. No need to take our word for it.
Automated file handling, validation, routing and approval workflows.
Verify customer identities and validate data for authenticity, completeness and compliance.
Our robust implementation process ensures a smooth, transparent and reliable migration. Clear timelines, regular updates and proactive risk management ensures your project is delivered on time, efficiently, and to the highest standard.
Speak to one of our Bacs experts to see how our implementation process is aligned to your security policies.
Compare the features, pricing and seamless integration options that make paygate an industry frontrunner.
| paygate | Bottomline | AccessPay | Finastra | SmarterPay | |
| Direct Bacs Submission | ✓ | ✓ | ✓ | ✓ | ✓ |
| Bureau capability | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-transactional pricing | ✓ | x | x | x | x |
| UK-based Bacs experts | ✓ | ✓ | Some | Some | Some |
| Cloud hosting | ✓ | ✓ | ✓ | ✓ | ✓ |
| Private cloud | ✓ | x | x | x | ✓ |
| On-premise option | ✓ | x | x | x | x |
| HSM / HSMaaS | ✓ | ✓ | ✓ | ? | ✓ |
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 | |
|---|---|---|---|
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. |
✓ | ||
| 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. |
✓ | ✓ | ✓ |
| Partial submission | ✓ | ✓ | ✓ |
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Lightsout submission * No signing |
✓ | ✓ | ✓ |
| Standard nodes for initiation | ✓ | ✓ | ✓ |
| PG on prem | PG Ev2 | PGv3 | |
|---|---|---|---|
| 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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✓ | ||
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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. |
✓ |
| 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 |
✓ | ||
| Improved payment and submission searching | ✓ | ||
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Customisable dashboard *Many useful, module specific, dashboard widgets, e.g. Payments, collections, workflow, etc. |
✓ |
| PG on prem | PG Ev2 | PGv3 | |
|---|---|---|---|
| Enhanced reporting including real-time usage | ✓ |