"I would like to specifically acknowledge the expertise and professionalism of the AccessPay team. They played a pivotal role in the successful implementation of AccessPay into business as usual at MHR. Their knowledge, attention to detail, and commitment to delivering a high-quality solution have greatly contributed to the overall success of this initiative."
Bacs Approved Bureau Software for Secure, Compliant Payments
At AccessPay, we provide Bacs Approved Bureau software designed specifically for payroll providers, accountancy firms, and businesses processing payments on behalf of clients. Whether you’re managing bulk payroll runs or facilitating bureau payments for multiple service users, our solution simplifies operations while keeping you compliant with the latest Bacs bureau audit standards.
100% Guaranteed On-Time Delivery
Every file submitted via AccessPay is securely transmitted to Bacs the same day.
With a 100% delivery success rate, we’re the Bacs bureau tool trusted by finance teams across the UK.
That’s why we’re the go-to partner for regulated, secure, and compliant Bacs bureaux.
Streamline Client Payments with Confidence
Build long-term credibility and trust across your client base
Working with a Bacs approved payroll bureau shows clients your commitment to secure, accurate, and compliant payment processing.
As a recognised partner, you give clients confidence that their payments are in expert hands.
Efficient & secure payment processing built for scale
Direct connectivity with Bacs ensures smoother processing, fewer errors, and full compliance with banking regulations.
Automate complex payment flows confidently using our Bacs bureau services, secure, scalable, and audit-ready.
Ensure compliance with Bacs industry standards
Partnering with AccessPay means instant alignment with strict Bacs Approved Bureau audit requirements.
Meet high compliance standards with ease, no lengthy audits, no extra burden.
Transform how you handle client payments
Unlock streamlined solutions for processing client payments as a trusted bureau
AccessPay’s Bacs bureau tool integrates with any ERP, payroll, or accounting system.
Easily handle multiple file types, user numbers, and client requirements, without worrying about hidden costs.
Enjoy the benefits of bureau payments, no accreditation needed
Use our Bacs Approved Bureau services without needing your own certification.
We handle compliance and processing so you can focus on delivering excellent service to your clients.
MHR International
Revolutionise the way you make payments
on behalf of your clients. Get set up in
as little as 2-4 weeks.
Integrations that power your entire finance ecosystem
AccessPay’s platform connects seamlessly with major payroll software, ERP systems, and other applications used to generate payment files.
Unmatched efficiency and compliance assurance
100% guaranteed Bacs file delivery
Enhanced payment workflows with smart automation
Automatically stay compliant with Bacs’ stringent regulations
Timely, accurate Bacs reporting
Automate Bacs payments with less effort and zero error
- Automate every step, upload, transform, and transmit files via secure SFTP or API
- Customise approval workflows and manage submissions across teams
- Receive instant alerts for any rejected, failed, or cancelled submissions
- Retrieve Bacs reports automatically for faster reconciliation and audit compliance
Fraud prevention & payment control with enterprise-grade security
Protect your payments with layered defence tools:
• Bank-grade security architecture
• Account Name Verification (ANV)
• Payment Screening and Sanctions Checks
• Data masking and PGP encryption
• Multi-Factor Authentication (MFA) via Duo
• Role-based controls and custom approval workflows
Partner with the first cloud-native
Bacs approved software provider in the UK and automate your Bacs payment
“The AccessPay system works really well for the team here at Argyll and Bute. The way that the system handles security and access is very good. We use it to manage payments and submit files every day, sometimes twice a day.“
Ken Wong
Revenues System Administrator at Argyll & Bute Council
Enhanced payment protection for your customers with Account Name Verification (ANV)
Confirm recipient names before payment is made to reduce errors and fraud.
Ensure funds reach the right account, reducing the risk of misdirected payments and APP fraud.
Strengthen client trust with every transaction.
Cross-border ready with Host-to-Host connectivity
Expand your reach and send payments overseas with ease.
AccessPay’s international payment capabilities integrate with host banks for frictionless cross-border transactions.
Fast setup in as little as 2-4 weeks
Get your Bacs bureau tool up and running quickly, most clients are live within 2–4 weeks.
Easily add your service users’ numbers (SUNs) and start making compliant payments as soon as your connectivity is in place.
Transparent pricing model, no hidden charges
Our fixed annual pricing means you know exactly what you’re paying.
No surprises when transaction volumes grow.
Standard 12-month contracts offer peace of mind and budgeting clarity.
How does AccessPay work?
Industry-leading service, backed by experience
Work with a partner that understands the pressures of payment automation and compliance.
Leverage our expertise for smooth onboarding, fewer errors, and more efficient operations.
All-in-one platform for all payment types
A single solution for payroll runs, direct debits, credits and more.
Control every aspect of payment processing from one secure, centralised platform.
Fully automated payments, simplified
Streamline every process, from file generation to Bacs submission, so your finance team can focus on delivering value.
With AccessPay, you don’t just meet the standard, you raise it.
1
Upload your payment run
Automatically import Bacs payment files from connected finance applications via SFTP or API connection. Files can also be imported manually as a contingency.
2
Routing and file transformation
AccessPay instantly scans the payment file to recognise the purpose and configuration of your payment run to ensure the file is correctly formatted and passes through the correct submission workflows within AccessPay.
3
Validate your transactions
A modulus check is performed to alert you to errors with the sort codes and account numbers contained within your file. Giving you the opportunity to suppress problem transactions or files before you proceed with your submission.
4
Perform fraud & error checks
A series of configurable rules can be applied to scan your Bacs submissions for potentially erroneous transactions. Helping you identify and investigate potential duplicates, unrecognised creditors and exceeded transaction thresholds.
5
Approve your submission
AccessPay is configured to mirror your internal approval processes. Whether you carry out approvals within your finance application or AccessPay, dual approval is available.
6
Authenticate your payment file
The file is digitally signed via a choice of Hardware Security Module (HSM), Websigner, or Smart Card.
7
Process your submission
The file is ready to be submitted and will be processed via Bacs on the date assigned.
✓
Receive Bacs Reports
Automatically retrieve Bacs reports in to your back-office. See our FAQs for more information.
Ready to exceed customer expectations? Get set up in as little as 2-4 weeks.
Partner with AccessPay now for unmatched reliability, seamless operations, and unparalleled support for your accountancy firm or payroll service.