Our Bureau service has been designed to simplify your payment processes and complete your Bacs payments after your initial file submission to Bacs, ensuring full compliance with Bacs processes. 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. Employers using direct BACS or RTI BACS to pay their employees are required by law to include a unique hash code in their BACS payment instructions every time payroll is run and the RTI internet return, or Full Payment Submission, is produced for submission to HMRC via the Government Gateway. The AccessPay Knowledge Hub is your source of information for finance and treasury best practice, future gazing insights, industry research and news. A business may have multiple SUNs to reflect different Applications within the business. Or to put it another way – our cloud allows your SUN to shine! You'll need to configure a new feed for your bank. 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. A Service User Number (SUN), also known as an originator ID, is a unique identification number. The entire payment process is simple and efficient – and it takes less than three days from start to finish. Direct Credit payments: As with Direct Debits, there are significant efficiency gains to be had from controlling your outgoing money through Direct Credits. It does this not just by facilitating electronic payments of various kinds, but also by setting and maintaining standards, ensuring these are protected by user guarantees. Now we realise that not every business has a SUN, and some don’t even know what they are. The Term Service User Number or SUN refers to the unique identifier that is used by organisations and businesses collecting payment by Direct Debit. Imagine you are a customer paying your utility bill by monthly direct debit. payments. For an organisation to collect Direct Debit (DD) they must first become an Originator. Bacs issue SUNs to businesses that have been sponsored by Bacs members, which is made up of the UK’s major banks. For example, HSBC requires an additional Service User Number. SUN details are kept in a database managed by Bacs. All security refers back to this SUN. A Service User Number (SUN) is a unique six-digit number allocated to a Service User collecting payments by Direct Debit. Your SUN is a six numbers long and can be found on all forms of communication as a way of maintaining transactional records. This ID is used in all communications with Bacs and is stored to record the transaction. Fill out your details and one of our experts will be in touch within 24 hours to learn a little more about your requirements and talk you through how we can meet them. What is the criteria for being given a SUN? You can find AccessPay on the Bacs list of approved suppliers. An outline of the main changes to The Service User’s Guide and Rules to the Direct Debit Scheme. Although the approval process and criteria for approval varies from bank to bank, most will involve checks for: SUN has been designed to assess a business’ capability to operate within the Direct Debit scheme rules, in order to maintain the integrity of the scheme. 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). Direct Debit receipts: Having direct control over incoming payments makes your company more productive, with better cash flow control and customer retention. It is used by Bacs as a distinguisher between organisations that collect Direct Debit payments. BACS reports are provided by the BACS service, and are used to feedback information on your submissions. 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. This article was about: This includes Credit payments, Direct Debit collections and Direct Debit Instructions. 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. 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. 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. What is a Bacs approved bureau? If fields A and B have been amended must be one of the service user’s nominated accounts. If you already use Bacs through another provider, you will need to provide us with your Service User Number. Lloyds Bank plc. F. Originating account number of user 8 … Complete the form below & find out why organisations such as ITV, Helping & The AA trust AccessPay with their business payments and cash management requirements. Our Bank Validation service allows you to capture accurate sort code and account number bank details in real-time to avoid costly failed payments at a later date. 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. When the BACSTEL-IP service was introduced all software used to make a connection to Bacs required approval. To help you understand how SUNs work and whether it is the right option for your business, we’ve put together this guide to address any questions you might have. 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. A Service User is a company or organisation that is sponsored to use one or more Bacs services, such as Direct Debit. Nevertheless, for many businesses any minor inconvenience this may bring is outweighed by the significant advantages and efficiencies. 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. 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. At month end this could be up to 30 suppliers. hbspt.forms.create({ Allied Irish Bank (GB) is required to sponsor you as a Bacs user. Essentials of using Bacs. With that in mind, here’s a quick explanation – starting with the obvious question: UPDATED Version: Please see AccessPay’s Comprehensive Guide to SUNs. The Submission Serial Number is a six character number which has to be unique on the day of the submission. 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 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. 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. 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. BACS Direct Debits are used to collect money from a payee. Be Bacs sponsored and have a registered Bacs Service User Number (SUN) A Bacs limit assigned by Santander. 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. Home / Knowledge Hub / BACS Service User Numbers and how to get them. To collect Direct Debit payments you submit your payment data – including the amount of each payment, bank account number, sort code and payment date – using your chosen method. Registered in England and Wales No. The bank itself uses the SUN to verify the correct business name to be displayed on the direct debit payer’s bank statement. Please click here to go back to payment services website!here to go back to payment services website! We think there’s nothing like AccessPay on the market – but you be the judge. 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