Front2Bax vs InterPay + DDMS

Front2Bax is self-hosted Windows software for organisations transmitting electronic transactions to Bacs. It supports Bacs Direct Debit collections and Direct Credit payments, including employee salaries and supplier payments. The software can process AUDDIS Direct Debit Instructions and generate them automatically when needed. Input can come from ASCII accounting files, Excel or simple text files, with tailored schemas for payroll systems or Excel. Installed directly on customer systems, it keeps payment data within the customer’s IT environment according to its maker. Supported systems include Windows 10 or 11, 64-bit recommended, or equivalent Windows Server versions. Microsoft SQL Server 2014 or later is required, with SQL Server 2019 Express recommended, and broadband is needed for Bacs transmissions. Users must hold their own Service User Number. The maker states there is no limit on copies, clients, transactions or users. Email and telephone support is included throughout the year. Standard Bacs User costs £650 a year; Bacs Bureau User costs £1,200 a year, both with no transaction fees.

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.