--- title: Why Bacs is one of the safest ways to make & take payments description: Interbacs highlights the many reasons businesses and their customers can be confident that Bacs payments are safe & protected in our latest blog. Read it here. image: https://interbacs.com/hubfs/Imported_Blog_Media/large_Is_a_Bacs_payment_protected_6cb645634b-2.jpeg --- [![Interbacs Logo](https://interbacs.com/hubfs/interbacs-logos/logo__interbacs--white.svg "Interbacs Logo")](https://interbacs.com/) - Who We Are - [Who We Are ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/who-we-are) High-quality payment and collection solutions. Our expert team is dedicated to delivering first-class customer service and and innovative software solutions. - [Meet The Team ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/meet-the-team) ![Members of the team working around a table](https://interbacs.com/hs-fs/hubfs/menu-images/img__menu--our-team.jpg?width=856&height=402&name=img__menu--our-team.jpg "Members of the team working around a table") - What We Do - [What We Do ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/what-we-do) Interbacs has a wealth of experience in delivering bespoke payment management solutions across a wide range of sectors. [Software Demos ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/bacs-software/software-demo) - [Products
(BACS Software) ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/bacs-software) - [Interpay BACS Approved Software](https://interbacs.com/bacs-software/interpay) - [Interpass Identity Verification](https://interbacs.com/bacs-software/interpass) - [Hardware Security Module (HSM)](https://interbacs.com/bacs-hsm-software) - [Direct Debit Management Software](https://interbacs.com/bacs-software/ddms) - [Payroll Bureau Software](https://interbacs.com/services/payroll-bureau-software) - [Services ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/bacs-professional) - [BACS Approved Bureau](https://interbacs.com/services/bacs-approved-bureau) - Who We Help - [Who We Help ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/who-we-help) Interbacs is an approved Bacs software supplier, offering Bacs solutions for all businesses – regardless of size or turnover. - [Startups ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/who-we-help/start-up) ![icon\_\_start-ups](https://interbacs.com/hubfs/menu-images/icon__start-ups.svg "icon__start-ups") [![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/who-we-help/start-up) - [SMEs ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/who-we-help/small-medium-sme) ![icon\_\_smes](https://interbacs.com/hubfs/menu-images/icon__smes.svg "icon__smes") - [Enterprise Business ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/who-we-help/enterprise-business) ![icon\_\_enterprise-business](https://interbacs.com/hubfs/menu-images/icon__enterprise-business.svg "icon__enterprise-business") - [Channel Partners ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/who-we-help/channel-partners) ![Channel partners icon](https://interbacs.com/hubfs/menu-images/icon__channel-partners.svg "Channel partners icon") - More - More From technical guides to the latest industry news, our Knowledge Hub is bursting with the very latest talking points in direct debit management and Bacs solutions. Read on to find out more about the world of business finance. - [Industries Served ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/industries) - [Knowledge Hub ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/knowledge-hub) - [Brochures](https://interbacs.com/brochures) - [FAQs](https://interbacs.com/faqs) - [Blog](https://interbacs.com/blog) - Who We Are - [Who We Are](https://interbacs.com/who-we-are) - [Meet The Team](https://interbacs.com/meet-the-team) - What We Do - [What We Do](https://interbacs.com/what-we-do) - [Products
(BACS Software)](https://interbacs.com/bacs-software) - [Interpay BACS Approved Software](https://interbacs.com/bacs-software/interpay) - [Interpass Identity Verification](https://interbacs.com/bacs-software/interpass) - [Hardware Security Module (HSM)](https://interbacs.com/bacs-hsm-software) - [Direct Debit Management Software](https://interbacs.com/bacs-software/ddms) - [Payroll Bureau Software](https://interbacs.com/services/payroll-bureau-software) - [Services](https://interbacs.com/bacs-professional) - [BACS Approved Bureau](https://interbacs.com/services/bacs-approved-bureau) - Who We Help - [Who We Help](https://interbacs.com/who-we-help) - [Startups](https://interbacs.com/who-we-help/start-up) - [SMEs](https://interbacs.com/who-we-help/small-medium-sme) - [Enterprise Business](https://interbacs.com/who-we-help/enterprise-business) - [Channel Partners](https://interbacs.com/who-we-help/channel-partners) - More - More - [Industries Served](https://interbacs.com/industries) - [Knowledge Hub](https://interbacs.com/knowledge-hub) - [Brochures](https://interbacs.com/brochures) - [FAQs](https://interbacs.com/faqs) - [Blog](https://interbacs.com/blog) - [Account ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://ddsignup.co.uk/interbacs/companylogin.aspx) - [Book a Demo ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/bacs-software/software-demo) - [Contact Us ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/contact-us) Menu # Is a Bacs payment protected? ![Blog featured image](https://interbacs.com/hubfs/Imported_Blog_Media/large_Is_a_Bacs_payment_protected_6cb645634b-2.jpeg) Share on ## Is Bacs safe? The short answer is: yes. Very! Bacs is one of the safest ways for businesses to make and collect payments. It has been ever since it was introduced in the UK back in 1968. Nowadays, Bacs payments have become a by-word for secure electronic payments. No fewer than 130 billion Bacs payments have been made in the UK to date. As astonishing as that is, what’s more amazing is that Bacs has never misplaced a payment. Bacs uses an SSL encrypted system, known as Bacstel-IP, to protect all of its data and users. The system requires a secure, encrypted password to gain access and is closely monitored around the clock. Bacs payment instructions can be issued up to 30 days before a payment is due to be taken. These payment instructions can be recalled as long as the bank is notified before a specific cut off time. This is usually a few days before the payment is due to be made. After this time, payments cannot be recalled.   [![rightmove case study](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/25597303/0df90080-b040-4baf-b0bc-4893d527ff17.png)](https://hubspot-cta-redirect-eu1-prod.s3.amazonaws.com/cta/redirect/25597303/0df90080-b040-4baf-b0bc-4893d527ff17)   ## Are bank transfers safe for buyers Again, the answer is a resounding: yes! Bacs bank transfers are extremely safe for your customers. Firstly, only approved organisations can collect Direct Debit payments, either independently or through a heavily vetted [Bacs Approved Bureau](https://interbacs.com/services/bacs-approved-bureau) or Facilities Management Provider, like Interbacs. Bacs Approved providers like us are closely monitored by the banking industry, Financial Conduct Authority (FCA) and Bacs itself to ensure the efficiency and security of all our Bacs payment solutions and processes. Plus, the Direct Debit Guarantee protects customers in the rare event that an error is made in the payment of a Direct Debit or in the even rarer case that a fraudulent Direct Debit payment is made. Typically, the worst that might happen is a payment taken on the wrong date or an incorrect amount is collected. In which case, the customer is entitled to receive a full and immediate refund of the amount paid from their bank or building society. As part of the Direct Debit Guarantee, you are responsible for notifying customers about any changes to the amount, date or frequency of a Direct Debit in advance of their account being debited. You will normally be expected to give notice within 10 working days of any potential changes. This adds another layer of protection and if a customer wants to terminate their Direct Debit, they can do so at any time by contacting their bank or building society and preferably giving you and your business notice of their intention to cancel.   ## Finding the right payment solution for you Knowing the payment solution that will bring the most benefits to your business can be difficult. With so many options to choose from, landing on the correct choice can be tough. That's where our Solution Finder can help. By answering a few simple questions, we can show you the best payment process for your business. If you want to never chase another payment again, the Solution Finder is the best place to start. [![New call-to-action](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/25597303/8225d0aa-8615-4613-81e2-6f0d03f26c32.png)](https://hubspot-cta-redirect-eu1-prod.s3.amazonaws.com/cta/redirect/25597303/8225d0aa-8615-4613-81e2-6f0d03f26c32) ## Latest blog [Read More ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/blog) Aug 18, 2026 ### [No new Non-AUDDIS Service User Numbers after 1 July 2027](https://interbacs.com/blog/no-new-non-auddis-service-user-numbers-after-1-july-2027) Every business that collects money by Direct Debit does so under a Se... [![No new Non-AUDDIS Service User Numbers after 1 July 2027](https://interbacs.com/hubfs/Imported_Blog_Media/large_closeup_person_reading_studying_document_8222bb03d2.jpg)](https://interbacs.com/blog/no-new-non-auddis-service-user-numbers-after-1-july-2027) May 27, 2026 ### [How will my payroll bureau correspond with HMRC?](https://interbacs.com/blog/how-will-my-payroll-bureau-correspond-with-hmrc-interbacs) Payroll bureaus often have to deal with significant volumes of Bacs p... [![How will my payroll bureau correspond with HMRC?](https://interbacs.com/hubfs/How%20will%20my%20payroll%20bureau%20correspond%20with%20HMRC%20%281%29.jpg)](https://interbacs.com/blog/how-will-my-payroll-bureau-correspond-with-hmrc-interbacs) ## Simplify Your Payment Solutions Section Placeholder Discover streamlined payment solutions tailored to your business needs. [Explore Solutions ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/solution-finder) [![Interbacs logo](https://interbacs.com/hubfs/interbacs-logos/logo__interbacs--white.svg "Interbacs logo")](https://interbacs.com/) 4.5 - [Account ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://ddsignup.co.uk/interbacs/companylogin.aspx) - [Contact ![button-arrow-white](https://interbacs.com/hubfs/button-arrow-white.svg)](https://interbacs.com/contact-us) About Interbacs - [Who We Are](https://interbacs.com/who-we-are) - [Meet The Team](https://interbacs.com/meet-the-team) - [What We Do](https://interbacs.com/what-we-do) Our Products - [Products (BACS Software)](https://interbacs.com/bacs-software) - [Interpay BACS Approved Software](https://interbacs.com/bacs-software/interpay) - [Interpass](https://interbacs.com/bacs-software/interpass) - [Direct Debit Management Software](https://interbacs.com/bacs-software/ddms) - [Book A Demo](https://interbacs.com/bacs-software/software-demo) - [Payroll Bureau Software](https://interbacs.com/services/payroll-bureau-software) Our Services - [Services (BACS Professional)](https://interbacs.com/bacs-professional) - [BACS Approved Bureau](https://interbacs.com/services/bacs-approved-bureau) Who We Help - [Who We Help](https://interbacs.com/who-we-help) - [Start Up](https://interbacs.com/who-we-help/start-up) - [SMEs](https://interbacs.com/who-we-help/small-medium-sme) - [Enterprise Business](https://interbacs.com/who-we-help/enterprise-business) - [Channel Partners](https://interbacs.com/who-we-help/channel-partners) More - [Industries Served](https://interbacs.com/industries) - [Knowledge Hub](https://interbacs.com/knowledge-hub) - [Blog](https://interbacs.com/blog) - [Transaction Lookup](https://interbacs.com/transaction-look-up) - ![bacs approved software](https://interbacs.com/hs-fs/hubfs/bacs%20approved%20software.png?width=137&height=74&name=bacs%20approved%20software.png) - ![bacs aproved bureau](https://interbacs.com/hs-fs/hubfs/bacs%20aproved%20bureau.png?width=199&height=74&name=bacs%20aproved%20bureau.png) - ![bacs electronic elements affiliate](https://interbacs.com/hs-fs/hubfs/bacs%20electronic%20elements%20affiliate.png?width=199&height=74&name=bacs%20electronic%20elements%20affiliate.png) - ![ico-white](https://interbacs.com/hs-fs/hubfs/ico-white.png?width=110&height=73&name=ico-white.png) - ![certified](https://interbacs.com/hs-fs/hubfs/certified.png?width=76&height=74&name=certified.png) - ![certified plus](https://interbacs.com/hs-fs/hubfs/certified%20plus.png?width=76&height=74&name=certified%20plus.png) - ![CCS\_WHITE\_Supplier\_AW\_72dpi](https://interbacs.com/hs-fs/hubfs/CCS_WHITE_Supplier_AW_72dpi.png?width=92&height=74&name=CCS_WHITE_Supplier_AW_72dpi.png) - ![thumbnail\_ISO 27001-2022-h-darkfull-2](https://interbacs.com/hs-fs/hubfs/thumbnail_ISO%2027001-2022-h-darkfull-2.png?width=197&height=74&name=thumbnail_ISO%2027001-2022-h-darkfull-2.png) - ![thumbnail\_ISO 9001-2015-h-darkfull-1](https://interbacs.com/hs-fs/hubfs/thumbnail_ISO%209001-2015-h-darkfull-1.png?width=197&height=74&name=thumbnail_ISO%209001-2015-h-darkfull-1.png) **© 2026 Interbacs Ltd.** Company No. 04765553. 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