Bacstel-IP caters for electronic payments and electronic direct debit files in the U.K. market.
Bacstel-IP is a Bacstel-IP certified solution.

Used in association with Smart Cards issued by sponsoring banks, Bacstel-IP validates user
credentials, signs transmission files, and completes transmission through direct dial-up or over
the Internet.

Bacstel-IP allows a user to import a credit or debit file from anywhere on your PC or network.
Bacstel-IP can import a file from any ERP system, application or data source. Files can be vendor
payment files, payroll files or customer direct debit files. Bacstel-IP can also be configured to be
automatically populated by payment or debit files as soon as they are created by the originating

Bacstel-IP can be configured to take files from multiple sources across different applications,
business units or environments.


  • Adheres to the strict security guidelines laid down by VOCA-BACS and ensures that all
    users have the correct privileges for signing and transmitting files
  • User identities validated via individual Smart Cards and PIN numbers issued to users by
    their company’s sponsoring bank
  • Validates all payment data against the Industry Sort Code Directory (ISCD), updated
    regularly by BACS
  • Identifies any errors or data inconsistencies within credit or debit file
  • Contains auto-cleaning functionality to remove problems from files before transmission to
  • Transmits files to BACS and receives BACS reports directly into Bacstel-IP


  • Electronic payment savings are estimated in the U.K. at approximately £1 per transaction
    compared to cheque or paper-based methods, according to VOCA-BACS
  • Savings can also be generated by availing of IBAN codes for Euro payments, with transfers
    between Euro accounts within the U.K.
  • Cross-platform solution eliminates need for multiple tools across different applications
  • Processing BACS payments or direct debits from your data in-house removes requirement
    for outsourced bureau service
  • Secure electronic payments platform improves financial control and reduces exposure to
    cheque-based fraud

Bacstel-IP Certified Business Solution


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We use Cashbook for the BACSTEL-IP
component.  We are running SAP and
like the reliability of Cashbook-IP and the
company's support.

David Whiting, Financial Controller - John
Crane UK Limited
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