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We strive for the best customer service, maximum cyber security and error reduction.

Bacs Approved Bacstel-IP Cloud Based Software

Our iConnect & iConnect Bureau software packages are used by hundreds of businesses for their direct debit & credit payments processing. Rigorously tested and approved by Bacs, ISO 27001 Information Security Management certified.

Intuitive and Easy to Use

100% Customer Centric

Authorised and regulated by the Financial Conduct Authority

Security Is Our Priority

APT iConnect - BACS Approved Payments Software & Bureau

Authorised and regulated

by the Financial Conduct Authority

Over 2500

Active users

49 million

Transactions processed annually

£40 billion

Transfered annually

iConnect standard software

Easy to use, secure, feature-rich web-based software

iConnect has been fully tested and approved by Bacs, meeting its strict operational and security standards.

Allows direct submitters to submit credits/direct debits to bacs using their Service User Number.

Fully GDPR compliant, all payment data held in the UK.

Fully HMRC/RTI compatible.


iConnect bureau software

All of iConnect Standard capabilities, plus:

Allows bureaus to transmit multiple files, with individual Service User numbers, under their Bureau's User number.

Allows to download clients reports on iConnect

Easily adds new clients onto the system.

Historical documentation of bulk submissions easily recalled.

Easy expansion of submission to see full details of clients files prior to submission.

To help larger companies APT introduced Multi SUN file add-on. This allows our iConnect clients to submit both credit and debits for multiple bank accounts/service user numbers within one file. Learn more here.


How it works in 4 simple steps

01. Securely upload file

02. Pass file validations

03. Sign submission

04. Send submission to Bacs


APT is authorised and regulated by the Financial Conduct Authority and ISO 27001 certified. We are striving to ensure we maintain the most secure and stable platform for our customers.

APT are very proud of its security practices and are always developing and implementing new ideas and techniques to further secure data in terms of confidentiality, integrity and availability.

AES 512 encryption algorithms.

SHA 256 hashing.


DDoS protection.

Geo locking of servers.

Automated web application security systems.

Multi Factor authentication to the web application.

Active web server and web application monitoring.

Annual penetration testing.

Email encryption.

Payment file encryption on the clients side as soon as the file leaves the accounting package via an additional purchasable service.

Extensive automated disaster recovery and business continuity designs.


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.

File uploader

Encrypts and uploads files from the client server to APT’s server. APT can define a file path on the Bacs software, meaning files are picked up automatically, without the need to browse to a file, minimizing user error.

Tiger recruitment – customer onboarding user case

After taking a decision to use Bacs for bulk direct debit & credit payments, many companies are faced with an extremely complicated submitter application process and a lot of unexpected additional paperwork, all to be able to send or collect multiple bank payments.

At APT, we understand that setting up the infrastructure for direct debits and credits can be a daunting process, and we try our best to help provide the required information for our potential customers. We guide them all the way – from how to obtain a SUN number to the personalised training on how to use our Bacs software.

We asked our recent new customer, Tiger Recruitment, how easy it was for their team to set up their Bacs operation using APT’s iConnect Hosted SaaS solution.

Read user case

Client testimonials


“ 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. ”

Education Authority

"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

"The APT portal makes BACS very easy to use so the skills are quickly transferable. APT have set up templates to ensure our payrolls import directly to BACS and our team have found the import process both timesaving and straightforward."

Denise Bishop, Tiger Recruitment

"APT’s team was fantastic in helping us implement bureau payments system and continues to be very very helpful. A great extension to the services we provide."

Priyesh Shavdia, KMP

"We’ve had a business relationship for a number of years and I can say is that the product works and on the very rare occasions I’ve needed support it’s been handled promptly and professionally."

James Andrews, Maritime Transport

Powering payments for big and small enterprises