Payments
Operate Bacs payments without managing infrastructure

Access Bacs Direct Debit and Direct Credit through a fully managed, API-first bureau integrated into a modern Payments Hub.
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Payment connectivity
Bacs access is still slow and operationally complex

Running Bacs payments means navigating sponsor banks, file-based workflows, and fragmented systems. Most institutions are forced to choose between heavy infrastructure and long onboarding or manual bank portals with limited flexibility. Both approaches increase operational overhead and slow down product development.
A fully-managed approach to Bacs

Mambu Payments provides API-first Bacs connectivity through its Pay.UK-authorised bureau.

We handle the full submission and processing layer — from connectivity to file handling — so you can operate Bacs through a single platform.

  • No Bacstel-IP setup needed
  • No smartcards, infrastructure, or manual file handling
  • Retain your Service User Number (SUN) and full control over payment flows.
More than Bacs connectivity

Bacs is often delivered as a standalone capability.

Mambu Payments integrates it into a broader payments layer, allowing you to orchestrate, monitor, and reconcile payments across schemes from a single system.
Bacs payment processing with Mambu

Launch faster
Go live with Bacs without building or maintaining scheme infrastructure.


Gain full visibility and control
Track payment status, manage mandates, and automate lifecycle events through a single API and dashboard.

Unify your payment operations
Operate Bacs alongside FPS, Swift, SEPA, and more on the same Payments Hub.

Explore more payment solutions
Extend your payments architecture
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Payments hub
Centralise payment processing, liquidity management and reconciliations across banks and schemes in one control layer.

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Universal gateway
Connect to global payment schemes and partner banks through a fully managed connectivity layer that simplifies multi-bank, multi-scheme payments.
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Core banking platform
Power deposits, lending, and payments on a cloud-native core banking platform built to scale modern financial products and digital banking experiences.
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Insights
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Clear next steps for organisations ready to modernise, scale, and build the future of finance with confidence.

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