---
title: "Send BACS direct credit outbound payment [beta]"
method: POST
path: "/v1/payments/bacs/directcredit/out"
tags: ["BACS"]
---

# Send BACS direct credit outbound payment [beta]

`POST /v1/payments/bacs/directcredit/out`

Send a <a href="https://www.moderntreasury.com/learn/what-is-bacs" target="_blank">Banking Automated Clearing System</a> (BACS) direct credit outbound payment.

BACS is a UK service that facilitates electronic money transfers between banks within a 3-day settlement cycle&mdash; Day 1 (submission), Day 2 (processing), and Day 3 (clearing/credit).

There are two main concepts in BACS:

1. **Direct credit** - A company can use this format to pay their employees.

2. **Direct debit** - When an electricity company charges their costumers recurrently it will have a subscription (called *mandates*). When a mandate is generated monthly, the originator creates a charge. When this charge comes to the client here at Pismo. Pismo then debits the customer account.

Both of these methods generate a cashin, cashout, and return.

For more information, refer to the [BACS guide](https://developers.pismo.io/pismo-docs/docs/banking-automated-clearing-system).

**Notes:**

  * Participating accounts must be [registered as a UK account](https://developers.pismo.io/pismo-docs/reference/post-intl-bank-accounts-v2-accounts-account-id-bank-accounts-uk-scan)

  * In case of failure, the transaction is updated with `status` = `CANCELLED` and the `status_reason` field details why it failed.

  * If the counterparty bank rejects the transaction, the transaction is still considered `SETTLED` and, when the provider webhook return is processed, a new [BACS direct credit outbound return payment processed](https://developers.pismo.io/events/docs/bacs-direct-credit-out-return-status-change-1) event is generated and
the amount is credited back to the debtor's account.

  * This endpoint generates a [BACS direct credit outbound payment processed](https://developers.pismo.io/events/docs/bacs-direct-credit-out-status-change-1) event.

## Headers

- `Authorization` string, required
- `Idempotency-key` string, required

## Request body

- BacsOutBacsOutRequest
  - `reference` string, required — Remittance reference.
  - `creditor_account` BacsOutCreditorAccount, required — Creditor's account information
    - `name` string, required — Creditor name.
    - `scheme_name` 'uk-scan' | 'bban' | 'iban', required — Bank scheme that identifies the account. * `uk-scan` - Sort code and account number (SCAN) scheme * `bban` - Basic Bank Account Number scheme * `iban` - International Bank Account Number scheme
    - `identification` string, required — Creditor's scheme value. A scheme identifies an account - UK-SCAN, IBAN, or BBAN. Refer to `schemeName` for details. * `uk-scan` - Sort code and account number (SCAN) scheme. Format: `sortcode + accountnumber` * `bban` - Basic Bank Account Number scheme. Format: `bankidentifier + branchidentifier + accountnumber` * `iban` - International Bank Account Number scheme. Format: `country code + check digits + bban` For example, for an IBAN account `GB93UBKL12345612345678`, the identification would be: `iban`: `GB93UBKL12345612345678` `bban`: `UBKL12345612345678` `uk-scan`: `12345612345678`
  - `currency` BacsOutCurrency, required
    - `amount` number, required — Transaction amount.
    - `code` 'GBP' — Transaction currency (ISO 4217 3-letter code).

## Response `201`

Response Body

- BacsOutBacsOutResponse
  - `id` string — Client-generated transaction identifier. This is the idempotency key UUID passed in the [Send direct credit outbound payment](https://developers.pismo.io/pismo-docs/reference/post-create-bacs) endpoint.
  - `status` 'CREATED' | 'PROCESSING' | 'SETTLED' | 'CANCELLED' | 'HOLD' — - `CREATED` - Payment has been created and is pending processing - `PROCESSING` - P2P balance was impacted and waiting for provider confirmation. For cashin, the transaction means the money will be credited on the next Working Day - `SETTLED` - Transaction completed processing and is settled - `CANCELLED` - Something went wrong and the transaction is cancelled. Refer to `reason` for more details - `HOLD` - The payment is on hold, pending further review

## Other responses

- `400` — Bad Request
- `403` — Forbidden
- `404` — Not Found
- `409` — Conflict
- `429` — Too Many Requests
- `500` — Internal Server Error
- `502` — Bad Gateway

---

[API](https://skmtc.net/pismo/apis/platform-authentication.md) · [All operations](https://skmtc.net/pismo/apis/platform-authentication/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/pismo/platform-authentication/revisions/935b62e16de4/schema)