Lloyds Bank plc. A SUN is a unique six-digit number that Bacs uses to identify businesses collecting payments by Direct Debit. Autopay Online and Autopay Online Plus cater for your BACS payment needs, allowing you to make and manage payments, and access BACS reports, all via the Autopay Online platforms. }); MktoForms2.loadForm("//app-lon06.marketo.com", "224-UPO-782", 1751); News, articles and opinions on everything from legislative to technical change and what it means, Treasury transformation insights, best practice and news, How automation enhances finance and treasury operations, Learn everything there is to know about business payments, Safeguard your organisation against the rising threat of fraud and cyber-attacks, Your comprehensive guide to BACS Service User Numbers, find AccessPay on the Bacs list of approved suppliers, Your Direct Debit payer can either physically sign a paper Direct Debit Mandate, You can receive acceptance through a paperless notification (i.e. Registered office: 25 Gresham Street, London EC2V 7HN. Client Portal Call 0800 018 0590 for a no-obligation quote 08033029. Registered Address City Tower, Piccadilly Plaza, Manchester M1 4BT|Company No. Imagine you are a customer paying your utility bill by monthly direct debit. This is all done automatically by payroll software.Hash codes are randomly generated and inserted by payroll software into both the FPS internet return and BACS payment file when p… Bacs is responsible for the schemes behind the clearing and settlement of UK automated payment methods, Direct Debit and Bacs Direct Credit. It can take anything from two to ten weeks for the SUN to be granted following your initial request depending on the bank involved, individual criteria and the complexity of your business. To help you understand how SUNs work and whether it is the right option for your business, we’ve put together this guide to address any questions you might have. To collect Direct Debit payments you submit your payment data – including the amount of each payment, bank account number, sort code and payment date – using your chosen method. A SUN (Service User Number, or sometimes referred to as an Originator ID) is a unique six-digit number used to identify a business paying or receiving money through a direct debit Bacs transaction. The final decision rests with the bank. Your Business Centre is not involved in the transfer of funds, once the service is set up. What is a Bacs approved bureau? These vary from bank to bank but all look for some key requirements: You will also find it difficult to qualify for a SUN for Direct Debit transactions if you have been established for three years or less, or have a turnover of less than £1 million. Registered in England and Wales No. A Service User Number is a unique 6 digit number identifier for organisations collecting or sending payments by Direct Debit. You can start processing your own Direct Credit payments immediately, but for Direct Debits, you need to decide how to set up your customers’ payments. Your performance will be monitored closely; if Bacs receive a significant number of customer complaints through the Direct Debit Guarantee scheme, you may lose your SUN and, along with it, the ability to collect further Direct Debit payments. Bacs issue SUNs to businesses that have been sponsored by Bacs members, which is made up of the UK’s major banks. Bacs Payment Schemes Limited is a subsidiary of UK retail payments authority Pay.UK. Fill out your details and one of our experts will be in touch within 24 hours to learn a little more about your requirements and talk you through how we can meet them. However, I am not sure what is my BACS ID.Apparently, we need to request from the bank and it requires SFP number from Xero as well. The AccessPay Knowledge Hub is your source of information for finance and treasury best practice, future gazing insights, industry research and news. A bureau is a Bacs user which can submit payment instructions on behalf of service users (but cannot originate payment instructions on its own behalf). Note: If you haven't yet, set up a pay run. Please speak to your relationship director to arrange this. Currently, to pay by BACS, I go to 'Pay Bills' on QB and tick off all the bills I wish to pay. Once you have become a Bacs service user, you have a choice of two methods of setting up Direct Debit instructions to collect payments from your customers – paper or paperless. An outline of the main changes to The Service User’s Guide and Rules to the Direct Debit Scheme. For an organisation to collect Direct Debit (DD) they must first become an Originator. Home / Knowledge Hub / BACS Service User Numbers and how to get them. It says in Xero it is Optional, but when I try to create the file it tells me it can't create it without a SUN. What is a Service User Number? SUN details are kept in a database managed by Bacs. If you already use Bacs through another provider, you will need to provide us with your Service User Number. Each bank is different and has its own application process, so you’ll need to contact your bank directly to discover their unique criteria. Section 8A.3C and Essentials of Using Bacs: clarification that bureau staff cannot be a primary security contact (PSC) for the service user number (SUN). The changes are also listed at the beginning of the Guide and Rules, which can be accessed here. It provides a simple, secure and reliable service for routine payments such as salaries. There are two options which will enable you to conduct Bacs transactions without a SUN: In both cases, it is the third party, not you, who must satisfy all the eligibility requirements for owning a SUN. When the BACSTEL-IP service was introduced all software used to make a connection to Bacs required approval. This service involves a direct relationship with Bacs. ... Use our search facility to find all the information and documents you need. The Bacs system of automated payments exists to make life easier not only for businesses but for their customers too. A SUN is a unique six-digit number that Bacs uses to identify businesses collecting payments by Direct Debit. A Service User Number (SUN), also known as an originator ID, is a unique identification number. Bacs cookie policy. Step 2: Download your payment file. Complete the form below & find out why organisations such as ITV, Helping & The AA trust AccessPay with their business payments and cash management requirements. portalId: "4561890", All communications with Bacs require a SUN, and this is used to create a record of each individual transaction. It can also be used to enrich your bank data by adding data such as the IBAN and the BIC Code. Managing your own payments system directly can make your business more efficient and save you commission fees charged by the third party. It’s no surprise, therefore, that being able to use the scheme also demands that you do your bit to keep your standards in line with those of Bacs. A private customer sending money electronically for a monthly bill is paying via Bacs (Bankers’ Automated Clearing Scheme). Nevertheless, for many businesses any minor inconvenience this may bring is outweighed by the significant advantages and efficiencies. Rupert Agilitas Sports Same question - what is the BACS SUN? Feed broker rules and rules sets. In most cases, a SUN will be granted if the above requirements are satisfied, but additional requirements may also be imposed. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. All you need is to be registered with Bacs and have a Service User Number (SUN) from your bank to let us process and collect payment files on your behalf. Essentials of using Bacs. Although the approval process and criteria for approval varies from bank to bank, most will involve checks for: SUN has been designed to assess a business’ capability to operate within the Direct Debit scheme rules, in order to maintain the integrity of the scheme. The time frame for bacs transfer is between 7:00 am to 10:30 pm. Setting up BACS payment through XERO and SFP number Started by Sunita Limbu - in Using Xero . Your supplier either has its own SUN or uses a third-party agency which uses a SUN on the supplier’s behalf. Thank you! All Bacs users, including businesses that make payments to their suppliers or operate their staff payroll electronically, were required to move to BACSTEL-IP by the end of December 2005 or return to using cheques. * – AUDDIS automates the transfer of Direct Debit Instructions from collecting organisations to the paying banks and building societies via the Bacs service. A Service User Number (SUN) is a unique six-digit number allocated to a Service User collecting payments by Direct Debit. BACS Direct Debits are used to collect money from a payee. * – These reserves are usually placed in a surety bond which constitutes a written guarantee to pay one party (the obligee, or person who has been defrauded or had payment taken in error) an agreed amount if the second party (the principal) breaches the terms of the contract or fails to meet certain obligations. A maximum Bacs file limit is agreed between the Bank and you, with this limit representing a contingent liability. 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