AccessPay vs InterPay + DDMS

AccessPay connects business finance and back-office systems to banks for payments, collections, and bank statement retrieval. It supports Bacs, Faster Payments, CHAPS, SWIFT, SEPA, and Direct Debit collections, and says it connects finance applications with more than 11,000 banks worldwide. ERP, payroll, and other back-office systems can connect through SWIFT, Host-to-Host, EBICS, sFTP, or API. Its file transformation engine handles formats including CSV, Standard18, and PAIN, as well as less common formats. Fraud and error controls include payment screening, beneficiary checking, sanctions screening, and Confirmation of Payee capabilities. Security measures listed include masked and encrypted transaction data, MFA or SSO login, user access controls, segregation of duties, and audit trails. The platform does not cap transaction count or value, though payment schemes may set their own value limits. Pricing is on request and depends on estimated annual transaction volumes, users, and required configurations and workflows. Initial setup carries a one-time professional services fee of 25%; bank fees are separate.

InterPay + DDMS is a web-based system for managing Direct Debit collections and submitting them through InterPay. DDMS lets businesses create, edit, and cancel Direct Debits, manage regular credits, and send automated notification emails. It checks bank account data against Bacs rules to help preserve collection eligibility. InterPay Web DDMS provides downloadable Bacs reports in actionable formats. InterPay can retrieve ADDACS and AWACS reports, apply selected actions, update DDMS bank details, and initiate relevant emails or letters. The two products work together so collection management and submission take place in one system. Interbacs can provide secure online sign-up pages connected to DDMS, with collection data passed to an accounts package through an API. An optional HSM workflow stores submission keys and certificates on a FIPS 140-2 Level 3 compliant device. Interbacs says its software gained Bacs accreditation in 2010. Pricing is on request.