Pay & Collect Online (PCO)

PCO enables you to make both Bacs payments (Direct Credit) and collections (Direct Debit) efficiently and securely via one online portal. The standard service and available additional modules provide a solution for Direct Bacstel-IP users.

This product is available to businesses with an annual turnover of over £3 million.

Features and Benefits

  • Simple and secure – send Bacs Direct Credit and collect Direct Debit payments to/from UK bank accounts
  • Built-in bank account and sort code validation – saving time and reduce errors to avoid payment delays
  • Bacs Approved Software Service which has surpassed set quality standards and compliant with the latest regulatory changes
  • Browser-based user interface – allows concurrent access by many users
  • No requirement for software installation or upgrades as PCO is accessed online via a URL
  • Maintain multiple SUNs and several accounts per SUN
  • Full user and release management – multiple user profiles, permissions and controls
  • Full reporting capability – including status reports and summary statements
  • Ease of onboarding – full on-site set-up and user training
  • Wide range of additional modules, including Bureau, Direct Debit Manager (DDM), Workflow and Hardware Security Module (HSM)

Full terms & conditions can be found at