Faster online payments with BACS

BACS automates regular secure payments to save time and money

What does BACS stand for?

Banks Automated Clearing System (BACS) was originally set up by the UK banking industry as a more secure and effective way to process payments of multiple financial transactions.

BACS payment systems are generally used to automate banking payroll systems and replace the traditional paper-based method of billing payments through the collection of cheques or cash.

Our BACS payments team are ready to assist

BNS Payments have exceeded the most stringent and robust vetting process by BACS, in association with APACS and the UK banking industry, to provide BACS services to every business and organisation.

BACS payment services are operated alongside all the leading high street banks and helps process millions of direct payments each week for business, local council and financial institutions.


  • BACS automates regular secure payments for goods or services.
  • Helping to reduce banking charges by up to 80% when compared to more conventional bank payments such as cheques or cash payments.
  • BACS reduces the administration time of transferring bulk payments.
    Automated payments remove the need to write and post cheques.
  • Direct payments are cost effective by delivering payments electronically.
  • BACS transfers are secure payments that eliminate the risk of outstanding cheques being delayed or mislaid within the postal system.


Day 1: This is called the “INPUT DAY” that receives receipts of payment and files that will be carried on to the third day.

Day 2: This day is intended for processing, which passes all the payments to its destination banks.

Day 3: This day is intended for application and approval of all direct credit and debit payments.


Automated payments via BACS are proven to be more efficient than the use of cheques and cash, as the tangible financial benefits are considerable:

  • Improve cashflow.
  • Full control over when payments and collections are made.
  • Reduced paperwork.

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