A SUN is a unique six-digit number that Bacs uses to identify businesses collecting payments by Direct Debit. }); 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. There are also additional services and payment providers available. Complete the form below & find out why organisations such as ITV, Helping & The AA trust AccessPay with their business payments and cash management requirements. * – 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. There are multiple reports produced by the BACS service, each report giving the BACS user different information. A maximum Bacs file limit is agreed between the Bank and you, with this limit representing a contingent liability. This article was about: What is a Bacs approved bureau? 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. If fields A and B have been amended must be one of the service user’s nominated accounts. Setting up BACS payment through XERO and SFP number Started by Sunita Limbu - in Using Xero . If you already use Bacs through another provider, you will need to provide us with your Service User Number. The AccessPay Knowledge Hub is your source of information for finance and treasury best practice, future gazing insights, industry research and news. File Format (either standard BACS format or bank-specific) Sort Code; Account Number; Account Name; Submission Reference (description of the payroll payment appears on your employee’s bank statement) Service User Number (SUN) Select Save. 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. 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. How can I collect Direct Debit? }); 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, BACS Service User Numbers and how to get them. BACS reports are provided by the BACS service, and are used to feedback information on your submissions. Essentials of using Bacs. A Bacs Service User Number, a SUN, is your bank’s approval to process Bacs payments. Bacs cookie policy. Currently, to pay by BACS, I go to 'Pay Bills' on QB and tick off all the bills I wish to pay. If the payment is later charged back by the customer (in the event of payment error or fraud), the SUN on the payment is used to identify the business liable for the chargeback. A bureau can either create and submit payment files for their users or just submit files created by the user … A Service User Number (SUN), also known as an originator ID, is a unique identification number. A business may have multiple SUNs to reflect different Applications within the business. BACS Direct Debits are used to collect money from a payee. Your SUN is a six numbers long and can be found on all forms of communication as a way of maintaining transactional records. SUN - Service User Number (Originators Identification Number) Definition A unique number issued by BACS to a business to allow that business to submit to BACS. In most cases, a SUN will be granted if the above requirements are satisfied, but additional requirements may also be imposed. SUNs are only issued to businesses who are sponsored by Bacs members (the UK’s major banks). 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. Service User Number: A service user number (SUN) is a unique six digit number that BACS uses to identify originating institutions. All communications with Bacs require a SUN, and this is used to create a record of each individual transaction. The surety, therefore, exists to protect the obligee. A Service User is a company or organisation that is sponsored to use one or more Bacs services, such as Direct Debit. The most important thing for any business to note is that without access to a SUN, you cannot use Bacs to receive or send electronic payments. 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. Each bank is different and has its own application process, so you’ll need to contact your bank directly to discover their unique criteria. It can also be used to enrich your bank data by adding data such as the IBAN and the BIC Code. Be warned, if a significant amount of customers complain about your service through the Direct Debit Guarantee, it could cause you to lose your SUN, and the ability to set up Direct Debits. Why use BACS? There are two ways to do this – apply for your own SUN, or pay for a third-party organisation to use one on your behalf. AccessPay, for example, is a Bacs-Approved Software Supplier. 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. Bacs Affiliates Meeting slides presented to you by Interbacs LTD. www.Interbacs.com ... providing an essential service for bill payers and billers, employees and employers, charities and donors, clients and suppliers, and government. You probably won’t even be aware of the SUN but it ensures that Bacs knows where to send your money and who to reference in your bank records. However, some businesses will not meet the SUN eligibility requirements, and for those that do, it is not compulsory. Their role and responsibility is to ensure that you meet the criteria and will not bring the scheme into disrepute. The entire payment process is simple and efficient – and it takes less than three days from start to finish. Complete the form below & find out why organisations such as ITV, Helping & The AA trust AccessPay with their business payments and cash management requirements. Or are you happier to pay a small fee and let a third party manage this for you? formId: "546656a9-ddb7-4f3f-97a0-149cb0b068b4" The AccessPay Knowledge Hub is your source of information for finance and treasury best practice, future gazing insights, industry research and news. 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. For internet banking users, this window ends earlier.For example, if a customer decides to pay a… Of course, that’s not something that happens to AccessPay clients – our paperless Direct Debit Management Solution manages all aspects of the payment process with ease. ... Currency and Amount search – This option allows for searching by payment currency, payment amount … The bank approval is a one-off permission by issuing a Bacs Service User Number (SUN) which is your company's identifier in the Bacs system. Your company must gain sponsorship from a bank, providing you with a Service User Number (SUN). We think there’s nothing like AccessPay on the market – but you be the judge. 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. There are number of reasons to use BACS: Cost effective solution for a high volume of transactions AccessPay explains what this takes with this comprehensive guide. When the BACSTEL-IP service was introduced all software used to make a connection to Bacs required approval. If you already use Bacs through another provider, you will need to provide us with your Service User Number. hbspt.forms.create({ The Company BACS number is a unique six digit number Service User Number (SUN), sometimes referred to as an Originator ID, allocated to the company by the BACS Service. 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. So, assuming you meet the eligibility criteria, the choice is yours; do you want the maximum control over electronic payments coming in and going out? The Bacs system of automated payments exists to make life easier not only for businesses but for their customers too. portalId: "4561890", Your Business Centre is not involved in the transfer of funds, once the service is set up. In order to obtain a SUN you need to go through a lengthy application process. BACS Direct Debits are used to collect money from a payee. Bacs are rigorous about maintaining the integrity of the Direct Debit scheme and will withdraw your SUN if you do not uphold their high standards. Main Office Mail: 390 40th Street, Oakland, CA 94609 Email: bacs@bayareacs.org Phone: 510.613.0330 Fax: 510.569.4589 For media requests & inquiries, please contact: Nora Daly Development / Communications Manager ndaly@bayareacs.org * – AUDDIS automates the transfer of Direct Debit Instructions from collecting organisations to the paying banks and building societies via the Bacs service. 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. 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. I then have to create a text file consisting of each supplier's name, account number, sort code, amount payable and date. To ensure that the SUN label retains credibility, any named supplier will be closely monitored. We think there’s nothing like AccessPay on the market – but you be the judge. Day 1 is the Input Day. With AUDDIS, the organisation keeps the original signed Instruction and electronically sends the details to the customers’ bank to validate and, if accepted, set up the Instruction on its database. What is a Service User Number? ... Use our search facility to find all the information and documents you need. The bank itself uses the SUN to verify the correct business name to be displayed on the direct debit payer’s bank statement. Registered in England and Wales No. Hi Megan, can you explain what BACS software and a BACS Service User Number (SUN) is? Client Portal Call 0800 018 0590 for a no-obligation quote payments. A Service User Number (SUN) is a unique six-digit number allocated to a Service User collecting payments by Direct Debit. a unique identifier for organisations collectingpayment by Direct Debit BACS Direct Credits are used to pay suppliers, payroll and other listed payments. 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… The Term Service User Number or SUN refers to the unique identifier that is used by organisations and businesses collecting payment by Direct Debit. payments. If you don’t already use Bacs or have a Service User Number speak to your Relationship Manager or pop in store. Or to put it another way – our cloud allows your SUN to shine! This service involves a direct relationship with Bacs. As explained earlier, you need to apply through a sponsoring bank. A SUN is required for all communications with Bacs, creating a record of each individual transaction. Bacs Payment Schemes Limited is a subsidiary of UK retail payments authority Pay.UK. portalId: "4561890", Your SUN is a six digit number which is your identification in the Bacs payment system. 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 feed broker rules and rule sets manage any bank specific configuration. Registered office: 25 Gresham Street, London EC2V 7HN. Version 5.4. 08033029. For an organisation to collect Direct Debit (DD) they must first become an Originator. Registered Address City Tower, Piccadilly Plaza, Manchester M1 4BT|Company No. 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. Be Bacs sponsored and have a registered Bacs Service User Number (SUN) A Bacs limit assigned by Santander. Therefore you need to apply to your bank to make an application. The time frame for bacs transfer is between 7:00 am to 10:30 pm. Nevertheless, for many businesses any minor inconvenience this may bring is outweighed by the significant advantages and efficiencies. Feed broker rules and rules sets. Please speak to your relationship director to arrange this. This ID is used in all communications with Bacs and is stored to record the transaction. Banks use SUNs to verify the correct business name to display on the Direct Debit payer’s bank statement and use this information to identify the organisation that would be liable for any chargebacks if something goes wrong. With that in mind, here’s a quick explanation – starting with the obvious question: UPDATED Version: Please see AccessPay’s Comprehensive Guide to SUNs. It’s important to note that businesses can’t submit directly to Bacs without having a SUN. Automated reporting, alerts and notifications identify and tackle any payment issues long before they become a problem. In both cases, check with your sponsoring bank. 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. SUN details are kept in a database managed by Bacs. As a business receiving and/or paying money electronically through Bacs, you have the same choice as the supplier above; you either have and use your own SUN to facilitate the Bacs process or, if you don’t have your own SUN, you pay a small commission to a third party to manage it for you (either a bureau which allocates one of its own SUNs to you or a Payments Institution). The final decision rests with the bank. Home / Knowledge Hub / BACS Service User Numbers and how to get them. 2065. For Direct Credit, however, it can be easier to obtain a SUN. 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