Bacs Direct allows you to upload payment files directly within Access PaySuite. Once uploaded, files are automatically validated to confirm they meet Bacs processing requirements before they can be submitted. This helps identify issues early in the process and reduces the risk of rejected files.
Bacs Direct supports Bacs Standard 18, Bacs Standard 18 Payment Lines, Bacs Active (EaziPay) and SmartDebit Direct file formats. Files up to 130MB in size and containing up to 1.2 million rows can be uploaded.
đNote: The Upload a New File option is only available to users with upload permissions. If you cannot see this option, contact your Bacs Direct administrator.
Upload a file
Click the Direct Debits tab on the left-hand side.
From the main menu, select Bacs Direct and click Outgoing Files.
Click Upload a New File.
Select the required file type from the Select File Type dropdown.
Drag and drop your file into the upload area or click click to select a file.
Click Upload File.
Bacs Direct accepts both CSV (.csv) and text (.txt) files.
During upload, destination account names and payment references are checked for Bacs compliance. Names longer than eighteen characters are truncated and unsupported characters are converted to spaces where required.
Validate a file
Once the upload is complete, Bacs Direct automatically validates the file before it can be submitted.
Validation checks include:
File format and structure
Processing dates
Service User Numbers (SUNs)
Bank account details
Modulus validation requirements
Submission cut-off requirements
If the file passes validation, it is ready to be reviewed before submission or approval.
If validation issues are identified, the file is assigned a status requiring further action before it can continue through the submission process.