FSFinOps Studio
🇬🇧 UK Pay.UK Bacstel-IP Reference • 100-Char Standard 18 API • £0 / $0 Monthly Fee

Complete UK BACS Transaction Codes (99, 01, 17, 18, 19), ARUDD / ADDACS Returns & 100-Char Slicer

Lookup every Pay.UK Bacs Direct Credit, Direct Debit, AUDDIS, ARUDD, ADDACS, and AWACS code for Barclays.net, HSBCnet, Lloyds Commercial, NatWest Bankline, and Santander Connect—and inspect 100-character Standard 18 records in your browser.

Generate 100-Char BACS Files ($0.02/row) → Barclays / HSBC / Lloyds Guide 6-Digit UK Sort Code Validator

Searchable UK BACS Transaction, ARUDD, ADDACS & AWACS Directory

Code Report / Direction Official Pay.UK / Bacs Meaning Actionable Finance & Engineering Fix
100% Client-Side 100-Column Standard 18 Slicer & Julian Date Unpacker

Instant 100-Character UK BACS Standard 18 Line Inspector (Detail, CONTRA, UHL1 & UTL1)

Paste any 100-character line from your Bacstel-IP file—or click a preset below—to verify exact byte columns (01–100), 6-digit Sort Code, 8-digit Account Number, 11-digit integer pence, and UHL1 bYYDDD Julian processing date:



      

        
        
        UHL1 Cols 05–10: " 26322" (Day 322 of 2026)
      

    


    

      

        Production Cloud API ($0/mo + $0.02/row)
        
Generate Complete 100-Char Standard 18 Files via REST

        
Converts ISO YYYY-MM-DD dates into bYYDDD, validates 6-digit Sort Codes & 8-digit Account Numbers, appends CONTRA, and reconciles UTL1 penny totals:

        
curl -X POST "https://api.apify.com/v2/acts/finops_studio~uk-bacs-standard18-generator/run-sync-get-dataset-items?token=YOUR_APIFY_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "serviceUserNumber": "654321",
    "originatingCompanyName": "THAMES CLOUD LTD",
    "originatingSortCode": "20-45-45",
    "originatingAccountNumber": "87654321",
    "processingDate": "2026-11-18",
    "includeHeadersAndTrailers": true,
    "payments": [
      {
        "name": "OLIVER WRIGHT",
        "sortCode": "40-12-34",
        "accountNumber": "12345678",
        "amount": 2845.50,
        "reference": "SALARY NOV 2026",
        "transactionCode": "99"
      }
    ]
  }'

      


      

        Official MCP Registry (#1 Global Rank)
        
3-Day Bacs Clearing Cycle & AI Agent MCP Config

        
    
          
  • Day 1 (Input Day — up to 22:30 UK): Submit 100-char Standard 18 file via Bacstel-IP / Barclays.net / HSBCnet / Bankline.
    • 
          
  • Day 2 (Processing Day): Bacs validates SUN, Sort Codes, and AUDDIS mandates.
    • 
          
  • Day 3 (Entry / Settlement Day): Cleared GBP funds credit/debit at 07:00 UK; ARUDD unpaid returns release after settlement.
    • 
        

        
{
  "mcpServers": {
    "uk-bacs-standard18": {
      "url": "https://mcp.apify.com/?actors=finops_studio/uk-bacs-standard18-generator",
      "headers": { "Authorization": "Bearer YOUR_APIFY_API_TOKEN" }
    }
  }
}

      

    


    

      
Frequently Asked UK BACS & Direct Debit Engineering Questions

      

        
What is the difference between BACS Transaction Codes 99, 01, 17, 18, and 19?

        
99 is a Bacs Direct Credit (payroll, supplier AP, HMRC/pension/expense payouts). Codes 01, 17, 18, and 19 are Direct Debit collections: 01 initiates the first collection on a new Direct Debit Instruction, 17 collects ongoing recurring instalments, 18 re-presents an unpaid Direct Debit within 30 days after notifying the payer, and 19 collects the final payment closing a mandate.

      

      

        
Why does Barclays.net, Lloyds Commercial, or NatWest Bankline reject a Standard 18 file on upload?

        
Over 90% of Bacstel-IP upload rejections come from four formatting bugs: (1) lines that are 99 or 101 bytes instead of exact 100 ASCII characters, (2) hyphens left inside 6-digit UK Sort Codes (20-45-45 instead of 204545), (3) non-BACS punctuation or lowercase characters in columns 47–100, or (4) a CONTRA / UTL1 penny total mismatch. Our UK BACS Standard 18 Generator API sanitizes and mathematically verifies every field automatically.