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Our Bacs Bureau solution is for organisations that already have, or plan to obtain a Service User Number (SUN) from their bank. It allows you to fully automate your Direct Debit processes, optimising the efficiency, reliability and accuracy of your Direct Debit collections, whilst removing the risk, hassle and expense of managing it all yourself.

Fully Managed Bacs Bureau services

Our Fully Managed Bacs Bureau service is an effective and efficient alternative to in-house processing, removing the need for large capital outlays for software deployment, hefty annual software upgrades and expensive license and support fees.

We also offer a Submission-only service, for those organisations who can manage their own end-to-end Direct Debit & Direct Credit processes internally and generate their own Bacs file.

Our Service in 4 Simple Steps


Regulatory, secure and compliant Bacs processing platform

Retrieval and application of all Bacs Messages against payer records

Management suite with access to real-time comprehensive reporting

Ability to process complex needs including bespoke reporting & management of multiple SUNs




Cloud based platform available 24/7/365

Improved operational efficiency – leaving you to do what you do best

Fully compliant with Bacs Scheme rules and regulations

Remove manual administration and human errors with full automation of your Direct Debits



A selection of our happy customers

Submission-only Bacs Bureau services

We also offer a submission-only service for both Bacs Direct Debits and Bacs Direct Credits for businesses who can manage their own end-to-end Direct Debit process internally and generate their own Bacs file.

For this service, we act in place of the standard Bacs software application; securely transferring your Direct Debit and Direct Credit files to Bacs via our File Transfer Protocol. This removes the need for you to deploy and maintain expensive software.

First Capital Cashflow can retrieve and make available Bacs messages, mitigating the requirement for Smart Cards. All you need to do is submit your new registrations, collections or payment files to us – payers will not be recorded in the First Capital Cashflow system.

To discuss our Bacs Bureau services with a member of our team you can either fill out our contact form here or call us on 0344 8266700.