APT - BACS Approved Payments Software & Bureau

UK's leading BACS software provider for both small and large businesses

APT are a BACS approved Specialist for Credit & Direct Debits, providing automated payment and cloud-based banking solutions for businesses. Our expertise lies in BACSTEL-iP solutions, enhanced security packages and bank sort code checking services.

Intuitive and Easy to Use

100% Customer Centric

Security Is Our Priority

Cloud Based

Authorised and regulated

by the Financial Conduct Authority

40 million

transactions processed annually

Over 800

active service users

£32 billion

transfered annually



APT offers a range of products to enable organisations to improve their efficiency and save costs by eliminating some of the time consuming and manual processes in their daily administration.


Process direct debit & credit payments with our Bacs approved cloud-based software


Contingency Cover for customers who are transmitting files to Bacs.

Bureau Service

Transmit various types of transactions to BACS on your behalf (i.e Payroll & DD's).

APT File Uploader

Cyber security & automation add-on to protect your Bacs payment files.


Integrated API which allows the instant checking of bank account details.

Multi SUN Files

Bureaus can submit credit + debits for multiple accounts/SUN's within one file.


Our Two Factor Authentication service, enables a further step to log into the BACS software, by requiring a key generated through our SafeCode mobile applications, or windows installed product.


We are excited to be offering international payments in partnership with EarthportFX.


iConnect is APT’s web based BACSTEL-iP compliant software package suitable for all applications and environments.

iConnect is an easy to use, secure, feature-rich software package, allowing fast transmission of BACS payments and collections from any laptop/PC.

Our software package is fully HMRC/RTI compatible. iConnect has been fully tested and approved by BACS, meeting its strict operational and security standards.

iConnect is available in different versions to suit your requirements:

Standard Software

Our standard bacs software, allows direct submitters to submit credits/direct debits to bacs using their Service User Number.

Bureau Software

A comprehensive system which allows bureau's to transmit multiple files, with individual Service User numbers, under their Bureau's User number.


APT is an accredited BACS Bureau and has been established since 1981. Our Bureau Service offers an easy and effective way to make regular or ad hoc payments, such as supplier payments and Payroll and to collect Direct Debits.

In addition to providing a BACS accredited Bureau Service, APT is also a BACS Approved Software Supplier for BACSTEL-IP. The Bureau naturally uses our own approved software for its operation, making us proficient in all technical and administrative aspects of the BACS service.

Reap the benefits of automated payments and collections without having to purchase and administer BACS transmission software.


We are excited to be offering international payments in partnership with EarthportFX.

EarthportFX provides a simpler and more cost-efficient way for businesses and individuals to manage payments internationally with offering competitive exchange rates and an expert service.

EarthportFX offer a tailored solution to suit your business needs.


Lock in the current rate for settlement within two working days or lock in your desired rate today for settlement on a pre-determined future date

Local payment network

Our service gives you direct access to local banks where your payments need to be sent. Removing the complexities, hidden fees and lack of visibility experienced in today’s traditional cross-border payments.

Market orders

Tell us your target rate and we’ll trade automatically when it’s hit.

Incoming payments

Receive payments in multiple currencies directly from your customers via Card or bank transfer.




If you are blocked from accessing the software, you will need to ask one of your software administrators to unlock you. They can do this by logging in and resetting your user details.

We endeavour to call back any support call lodged within an hour. Out of office emergency support, will be answered as soon as possible. Please ensure you leave a voicemail, if you cannot get through to the help desk.

In the case that all your software administrators are not available to reset your account, APT can do this for you, which will then allow you to reset your password as normal.

If you're a direct submitter (i.e. have a direct service user number), APT can send the file on your behalf up until 21:00 Monday - Friday through our bureau. This service is covered in your annual maintenance by your contingency cover. To be able to use this service, your SUN must be linked to our Bureau Number (B41022).

The operating hours for BACS are 07:00 – 22:30 Monday to Friday, excluding Bank Holidays. APT would always advise that any files are sent through our software by 21:00, to avoid missing the 22:30 deadline, should support be required.

As BACS does not operate on weekends or bank holidays, you will not be able to choose these dates as processing dates. Please see BACS Processing Calendar for 2019 here.


"I wanted to reach out to you to provide feedback on last nights support call. The gentleman on support was really nice, calm (which I wasn’t) and really helpful, he reset my password and went above and beyond to help answer my questions relating to my BACs submission and elevate my worries. I wanted to provide positive feedback for you."
"You guys are truly the best. I wish I were exaggerating. Your software and the processes we run on it are critical to us and our clients. It is, therefore, stressful when things go wrong. So thank you for your swift support." - Epsilon Business Services Ltd
"I had a reason to contact APT Support. I was very impressed with the speed with which they helped to resolve the issue and the staff were very polite"
"I have always found the support provided by APT to be excellent. I am a 2nd line technical engineer who looks after desktop support at the councils and the APT product is simple to install. When I have needed support from APT I have always found that the response is quick and the technical support provided very good from knowledgeable APT engineers. I would certainly not hesitate to recommend APT and have only had good experiences." - Adur & Worthing Councils
"That was unbelievably quick and easy. APT are my favourite service provider, we should have changed years ago."
"I want to let you know about the EXCELLENT, FIRST CLASS, IMMEDIATE & PROFESSIONAL service I receive from the APT Support Team. We moved to APT as a new customer in May 2016 and the service has always been exceptional."


Our online support has proved to be a valuable tool in dealing with customers’ problems. It allows us secure access to our customers’ PC, enabling us to provide instant remote support.


For sales, or general enquires, please complete the below form.
APT's office hours are Monday - Friday 9am – 5pm.
Out of hours emergency support available Monday - Friday 5pm - 10pm.

APT Ltd 17 Cranleigh Close Sanderstead, Surrey CR2 9LH 020 8760 9898 020 8651 2342 info@aptbacs.co.uk www.aptbacs.co.uk