
Cheque Imaging Innovation
Find out how Barclays is bringing the humble cheque right up to date with cheque imaging.
Barclays is leading the way in innovative, secure and efficient ways to make, collect and process payments. Through innovative mobile and electronic solutions, we’re committed to making payment simpler, faster and safer for you and your customers.
Solutions for your business
Access a range of domestic and international products and services, giving you the flexibility to meet your specific payment and collection needs. Our payments services include Bacs, CHAPS and Faster Payments.
In 2018, UK banks introduced an image-based cheque clearing system, which aimed to make cheques a secure and convenient future payment method.
The new system meant that:
Send immediate electronic payments to customers, even if you don’t have their bank account details using Barclays' unique Send a Payment mobile service.
How it works
Benefits for your business
You can embed Send a Payment into your own website or payment systems – offering the following benefits:
Benefits for your customers
Send a Payment can improve your customers’ experience by making payments:
Choose from a wide range of methods that can make initiating or receiving payments more efficient.
Is it right for you?
How it works
Support all of your cash handling needs with our broad range of cash processing services. You can choose to deposit your cash at your local Barclays branch, or have it delivered to a central Barclays location using a Cash-in-Transit carrier company.
Is it right for you?
How it supports your business
Important information
If you use a night safe device, the contents will be processed on the following business day.
The products referred to in this section are subject to separate terms and conditions.
Use our extensive range of paper-based and electronic collections services to manage payments from customers.
Is it right for you?
How it supports your business
Payment Acceptance
We provide a choice of end-to-end payment acceptance solutions that enable our clients to accept card payments face-to-face, online, by mail order or over the telephone.
Important information
The products referred to in this section are subject to separate terms and conditions. There are terms and conditions associated with becoming a Direct Debit Originator – please speak to your Relationship Team for more details.
Enables you to offer customers an easy way to pay their bills. By including personalized QR codes on bills, renewal letters or emails, customers can simply scan the QR code and pay using the Pingit app. It’s easy for the customer and each payment carries the reference information required for reconciliation upon receipt.
Benefits for your business:
Benefits for your customers:
Use our electronic forms below to make:
How to use the forms
Complete the appropriate form on screen, then print off and sign it. Please send your completed form to us using the directions provided.
Excel-format payment forms
PDF† guides to completing the payment templates
Editable PDF-format† payment forms
If you are unable to access the Excel-format payment forms, please use these editable PDF1 versions.
International Bank Account Numbers
Generate and validate IBANs with us online
Important information
Please note that all procedures relating to the completion and submission of the CHAPS and international payments remain unchanged.
As per Payment Services Regulations 2017, from 13 January 2018 any intra EU/EEA payments must be submitted with the SHA charging code. If you submit an intra EU/EEA payment with the OUR charge code we will convert this into SHA charge code.
We support payment service providers (PSPs) seeking to provide their own customers with services to transfer funds within the UK. We do so by providing PSPs with indirect access to the UK payment schemes. Barclays has subscribed to the voluntary Code of Conduct for Indirect Access Providers since 30 September 2015, including the current version which was published in November 20181.
You can choose from two types of indirect access:
Agency bank access
You are given your own sort code and can provide your customers with their own unique account number on that sort code.
This provides access to all UK clearing systems (see table below), allows you to appear as a UK clearing bank in your own right, and provides all the advantages of direct access without the high costs and operational requirements.
Eligibility: For agency bank access, you must be a payment services provider as laid down in the Payment Services Regulations 2017. Further eligibility criteria will include assessments for anti-money laundering, credit risk, procedural capability for scheme compliance and technical capability. Further details are available in this document (PDF 51KB)†.
Non-agency access
You are given a settlement account in our books and typically identify your underlying beneficiary customer for payments by the reference in the payment instruction. This allows you to make and receive a variety of payments including Faster Payments, Bacs and CHAPS via Barclays.
Eligibility: Eligibility criteria for non-agency access will depend upon the precise services you require but will include assessments for anti-money laundering and credit risk. Further details are available in this document (PDF 51KB)†.
Which UK payment systems can you access?
Agency Banks2 Deposit - taking institutions |
Agency Banks2 Electronic money institutions |
Agency Banks2 Authorised payment institutions |
Non-agency All3 |
|
---|---|---|---|---|
Faster payments |
Yes |
Yes |
Yes |
Yes |
Submission of FPS by Agency Bank’s Corporates |
Yes |
No |
No |
No |
CHAPS |
Yes |
Yes |
Yes |
Yes |
Bacs |
Yes |
Yes |
Yes |
Yes |
Submission of Bacs by Agency Bank’s Corporates |
Yes |
No |
No |
No |
Cheque Image Clearing |
Yes |
Yes |
Yes |
Yes |
1 The Voluntary Code of Conduct for Indirect Access Providers (PDF 335KB)†
2 Access to payments via a sort code in the name of the Agency Bank
3 Access to payments via a Barclays account
What we can offer
We tailor our services and pricing to your individual requirements. The types of service we offer are shown on the following PDF:
What can payments and collections do for you?
Payments
Make UK or international payments efficiently through our payments products and services, offering a choice of delivery methods and timescales.
Collections
Receive payments through our range of paper-based and electronic collections services. Benefit from the ability to better control and predict your cashflow.
The products referred to in this webpage are subject to separate terms and conditions.
Find out how Barclays is bringing the humble cheque right up to date with cheque imaging.
Options currently exist for businesses that want to optimise their cash-handling processes.
Drawing on Barclays’ global expertise, our corporate banking solutions can help your business to transact and trade easily, manage risks and finance your plans for growth.
To discuss your business requirements and how Barclays can support you, contact us today.