Benefits

Streamline your Bacs payment processes to reduce errors and save costs

From low-volume transactions to mission-critical payment operations, Finastra Bacsactive-IP provides a scalable, easy-to-use Bacs solution for every business need.

Lower total cost of ownership

With a cloud-based SaaS architecture, it eliminates hardware investments and software installation fees, ensuring a faster ROI.

Reduced operational risk

Implement flexible access controls and secure user permissions that your organisation can adopt for its specific needs.

Minimised payment failures

Maintain Bacs compliance by automating Direct Debit best practices for more reliable collections.

Advanced workflow automation

Experience seamless back-office integration that connects directly to your existing systems.

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Reduce risk with Confirmation of Payee

Automate bank account verification and eliminate errors that lead to delays and disruption in automated recurring payments with our Confirmation of Payee service for Bacsactive-IP.

  • Benefits all users, both Direct Debit and Direct Credit
  • Automatically highlights errors in real time at the point of sign-up for instant correction
  • Avoids misdirected payments and adds protection from fraud and scams

Innovating finance together

Customer Story

A proactive approach to error resolution

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With (Finastra Bacsactive-IP’s) Confirmation of Payee, our users have peace of mind, knowing that errors are automatically detected so that they can be corrected upfront, streamlining transactions and reducing the risk of payment errors.

Sharon Smith Product Owner at ScotPayments
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Switching Bacs providers is easier than you think

With decades of experience supporting UK payments, Finastra makes it straightforward for central and local government organisations to transition with confidence. Our proven onboarding approach, deep Bacs expertise, and dedicated migration support help ensure a smooth, low-risk switch with minimal impact on day-to-day operations.

Beyond the transition, organisations benefit from a modern, scalable platform that streamlines processes, enhances control, and reduces ongoing costs. We work closely with public sector bodies to provide attractive commercial incentives, making it even easier to move away from legacy providers and realise value quickly.

If you're currently reviewing your Bacs supplier, now is the time to explore a smarter, more cost-effective alternative.

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Highlights

Discover what Finastra Bacsactive-IP can offer your organization

Office worker building codes for a payments software
Office worker building codes for a payments software
Office worker building codes for a payments software
Office worker building codes for a payments software
Office worker building codes for a payments software

Comprehensive Bacs payment suite

Finastra Bacsactive-IP offers Bacs Direct Credit and Direct Debit payment processing, including payroll, supplier payments, expenses, dividend payments, subscriptions, bill payments, memberships and more.

Complete integration and automation

Our solution offers easy integration and automation with your back-office systems, and our wide range of optional modules allows your organization to further automate processes and build the most effective payment process to suit your needs.

Multi-bank solution

Avoid vendor lock-in with our bank-agnostic solution, giving you the flexibility to switch banks easily or operate a multi-bank solution.

Go smartcard-free

Gain complete control of your payments wherever you are with our proven cloud-based technology. This module provides all the benefits of Bacsactive-IP with simplified workflow and enhanced security to aid automation and remove the need for smartcards.

Seamless business continuity

Build a resilient, zero-downtime Bacs payments process and avoid unanticipated disruptions to your business.

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Discover the full suite of solutions from Finastra Financial Messaging

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Frequently Asked Questions

Bacsactive-IP FAQs

Yes, Bacsactive-IP has been a Bacs-approved software service for more than 20 years, as well as an approved Bacs bureau.

To submit Bacs payments, organisations need a Bacs-approved software solution or access to a Bacs bureau that submits payments on your behalf. 

The Finastra Bacsactive-IP service runs from multiple UK data centres. Our support, development, product management and project teams are all UK based too.

We consistently exceed our committed system SLA of 99.5%, with 100% uptime on our multi-tenant SaaS systems since 2016.

Bacsactive-IP runs in multiple geographically separate data centres, replicated on a real-time basis, meaning that in the unlikely event that one site can no longer be used, the data and system is accessible from another site. These data centres are tier-3 aligned which means they are resilient to N+1 for key components, for example power supplies, cooling, and connectivity. 

There are a range of additional modules available to enhance the Bacsactive-IP solution, these include Confirmation of Payee (CoP), automation with our Workflow module, Open API for easy integration, and Faster Payments connectivity to the FPS DCA service.

As one of the largest Bacs providers, Finastra has been at the cutting edge of innovation for SaaS Bacs processing and is the leading provider of the SaaS model of Bacs services.

Finastra’s Bacactive-IP solution provides a fast, secure, reliable and efficient way to making payments: payroll, supplier payments, high volume pensions & dividend credits, expenses, insurance payouts, refunds, collecting Direct Debits, and making time-sensitive payments via Faster Payments. 

Simplify your Bacs processes today.

Over 3,000 organizations trust our Bacs-approved software for secure, resilient processing. Let's discuss how we can help you too. Get in touch with one of our experts by completing our contact form.