Guide
The guide to becoming a Bacs & FPS participant
Payments are at the core of any fintech company’s offering. Whether they focus on payments themselves, lending, or investment, those companies sitting in multi-party flows of funds must manage bank payments in their products.
In the UK, it means accessing Bacs and FPS as a participant.
Download our guide to learn how.
Loading Form
What you will learn in this guide
Discover the benefits of becoming a Bacs and FPS participant
From obtaining more control on their payments and customer onboarding to cutting payment costs, understand why successful fintech companies make the strategic decision and commit to the multi-month project of becoming a Bacs and FPS participant.
Explore the steps to become a Bacs and FPS participant
Learn more about the different Bacs and FPS access models, and the regulatory and technical requirements to become a Bacs and FPS indirect participant. Understand the role of Bacs and FPS sponsor banks and how to choose select the right banking partner.
Understand the challenges of operating as a Bacs and FPS indirect participant
Processing Bacs and FPS payments as a participant means managing new, complex workflows. To do it successfully and comply with the Bacs and FPS rules and regulatory requirements, Bacs and FPS indirect participants must build the right organisation and set up the right systems.
Accelerate your SEPA payments
Mambu Payments simplifies scheme connectivity and real-time operations, making it fast, easy, and cost-effective.
Ready to masterUK payments?
For any fintech managing multi-party fund flows, understanding Bacs and FPS participation is crucial. Our guide breaks down how to navigate these essential UK payment schemes.
© Mambu 2026