ISO 27001 · ISO 9001
UK BACS, cards and open banking on one stack
Collect, pay out and reconcile without a patchwork of bureaus and gateways.
BACS from 2.0p · Cards from 10p · Open Banking at 0.5%.
Used across UK collections
Four schemes. One platform.
BACS for volume, cards for checkout, open banking when you want the money now, e-invoices from April 2029.
- BACS payments From 2.0p Direct Debits and Credits, mandates, Standard 18, ADDACS and ARUDD. Details →
- Card payments From 10p Acquiring and gateway, with failover onto a cheaper collection method. Details →
- Open banking 0.5% + 10–15p Account-to-account, instant confirmation, no card scheme chargebacks. Enterprise SLA required. Details →
- E-invoicing From 10p Structured VAT invoices on Peppol, 20p to 10p by volume. Enterprise SLA required. Details →
Pricing
No setup fee. Volume is automatic. All + VAT.
| Scheme | From | Notes | |
|---|---|---|---|
| BACS / DDMS | 2.0p | Per transaction at volume | Calculator |
| Card platform | 10p | Plus acquirer rate from 1% | Calculator |
| Open banking | 0.5% + 10–15p | Instant, no chargebacks. Enterprise SLA required. | Details |
| E-invoicing | 10p | 20p at 100 invoices, 10p at 10,000. Enterprise SLA required. | Calculator |
| Enterprise SLA | £149 / month | Or £1,490 / year. Required for open banking and e-invoicing. | Details |
BACS bureau, card acquiring, open banking and e-invoicing can run on the same account. Talk to sales for volumes across schemes.
What sits on the stack
The same operations layer whether the money moves on BACS, card or open banking.
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Mandate to settlement
AUDDIS lodging, collection calendars, Standard 18 files and report handling without a spreadsheet per cycle.
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Fraud and PCI
Risk scoring, 3-D Secure and PCI DSS on card; account validation on BACS before the file goes out.
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API and webhooks
Create mandates, fire collections and receive ADDACS, ARUDD and settlement events from your own systems.
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UK certified
ISO 27001 and ISO 9001. BACS bureau expertise. Support from a UK team, not a ticket queue overseas.
Open banking and e-invoicing need Enterprise SLA. £149 + VAT a month, or £1,490 a year. 100% uptime on our infrastructure.
Enterprise SLA →Same group. Adjacent services.
Address, bank validation, memberships and automation sit next to payments.
Run the schemes properly.
Tell us the mix of BACS, cards, open banking and e-invoicing. We will size the bureau, the gateway and the settlement path.
Contact sales