Validate Plus provides everything you need to stay Bacs compliant, prevent fraudulent payments and carry out robust customer verification checks.
With modulus check, email, phone and address validation, plus Confirmation of Payee & Payer (CoP), you can easily build the full range of verification checks into your business processes to save time, streamline operations and stay compliant.
Bacs KYC (Know Your Customer) compliance requires you to verify your customer’s identity. Validate Plus has all the tools you need to confirm bank account ownership and validate email, phone and postcode data, all at the point of collection.
Let’s talk about setting up powerful data validation tools for your business.
See how Validate Plus prevents fraud and ensures accurate payment data:
Adding robust validation checks at the point of data collection is easy with Validate Plus. Apply the relevant checks at each stage to maintain data quality across your business-wide processes.
Validate Plus integrates with any business system thanks to our easy API. And if you’re using our powerful Bacs submission platform, all the validation checks are built in and just a click away.
Catch fraudulent data in advance and safeguard your business
Ensure you are compliant with data protection regulations
Reduce the time spent on manually checking data
Ensure that data is correct to reduce payment errors
Gain greater insights into your businesses’ cash flow
Avoid issues caused by incorrect data to keep customers happy
Our modulus check tool improves payment accuracy, saving you time and money. Using the EISCD, it instantly verifies that a bank account exists, is active, and supports Direct Debit, Faster Payments, and CHAPS.
This helps prevent fraud, protect cash flow, and ensure compliance with Bacs scheme rules.
Our Validate Plus email validation tool ensures your emails reach active recipients by instantly verifying format, account activity, and deliverability. By validating emails at the point of collection, it helps reduce operational costs and prevent issues caused by poor data.
Our postcode validation tool ensures accurate customer addresses using Royal Mail’s Postcode Address File (PAF).
Widely accepted for KYC by banks, it is essential for verifying addresses when setting up Direct Debit payments.
Our phone number validation tool instantly verifies landline and mobile numbers at the point of collection, saving time and improving data accuracy. It enhances communication, provides valuable business insights, and ensures Bacs compliance.
Confirmation of Payee (CoP) ensures payments reach the intended recipient by instantly verifying that the sort code and account number match the account holder.
This adds a strong layer of fraud protection, prevents financial loss, and is widely accepted as a KYC check by banks and the Bacs scheme.
We work with a broad range of businesses across private and public sector including payroll, service providers, banks, SMEs, global corporates and high street brands.
Let’s talk about how your business can benefit from our powerful data validation tools.
We’re always on hand to answer any questions and give advice. Click the button below to reach out.
Data validation checks information before it is used in financial systems to ensure it is accurate and correctly formatted. This improves payment data quality by identifying errors early and preventing failed or misdirected transactions.
Data validation analyses account numbers and sort codes against industry rules and reference data. A modulus check uses the EISCD to instantly confirm that an account exists, is active, and supports your chosen payment scheme, helping to prevent errors, reduce fraud risk, and maintain compliance with Bacs scheme rules.
If using a bureau service, the bureau handles submission approvals, and you typically do not need your own SUN.
Yes, validating data before submission helps detect incorrect bank details, formatting errors and missing information. By resolving issues early, organisations can significantly reduce rejected payments and the associated impact on remediation work and cash flow.
Many validation solutions connect directly with finance, CRM or payment platforms through APIs or integrations. This allows data checks to run automatically whenever payment details are entered or processed. Integrations improve efficiency and reduce errors which help keep cash flow on track.
Any organisation making or collecting payments in volume will benefit, but it’s particularly valuable in financial services, insurance, utilities, healthcare, payroll, subscription businesses, and the public sector. For businesses with high transaction volumes, errors, failed payments, and fraud risks have a significant operational and financial impact.
Contact us to book a demo, take a closer look at our platform and get all the answers you need.
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Security policy manager * Includes: password complexity manager, inactive timeout, time restrictions, IP address restrictions | ✓ | ✓ | ✓ |
AWS ISO27001 hosted * Primary fail over and back up UK data centres | ✓ | ✓ | |
SFTP file uploads/downloads *Secure way to move files across the internet, customers can use their own certificates | ✓ | ✓ | ✓ |
| Gemalto security tokens MFA | ✓ | ✓ | ✓ |
| Email MFA | ✓ | ||
| SMS MFA | ✓ | ✓ | ✓ |
APP MFA * Works with common auth apps such as Google Authenticator, Authy. Works on Android or iOS. | ✓ | ||
| PG Platform ISO27001 | ✓ | ||
Fraud tool *Currently support Blacklists and Whitelists. In a blacklist you add various sortcodes / account numbers and the system will prevent any payment to those accounts. In a whitelist you add sortcodes and account numbers and the system will ONLY allow payments to accounts on the whitelist. We include various tools to help build and maintain the lists. | ✓ | ||
GDPR subject access request * Search tools to help perform a GDRP lookup. Then can optionally ‘sanitise’ personal data from the system. | ✓ | ✓ | ✓ |
GDPR Data cleansing *Remove historical data by bulk or individual. | ✓ | ||
Browser compatbility * We maintain support for Chrome, Edge and Firefox. | ✓ | ||
Built for performance * Version 3 runs on super modern, high-end infrastructure | ✓ | ||
Single Platform * Customers have a single user account that they can use across all services (Enterprise, Online, Validate, etc). | ✓ | ||
Agent rebuilt key management system * Very secure way to get files to and from the Paygate cloud. Supports ways to automate files being sent into the paygate cloud and retrieving reports from the cloud. Key management was rebuilt for V3 to further increase security. | ✓ | ||
HTTPS uploads/downloads * paygate v3 supports both SFTP and HTTPS. | ✓ | ||
In browser File and Folder handling * Allows customers to securely organise their files and folders that are stored on paygate | ✓ |
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| Logging tickets by email | ✓ | ✓ | ✓ |
| Logging tickets by portal | ✓ | ||
| Logging tickets by phone | ✓ | ✓ | ✓ |
| Dedicated account management | ✓ | ✓ | ✓ |
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Auto File Import *Automatically imports a payment file and validates it. Users no longer need to manually browse for and import a file, paygate will do this in the background and present the validation results to the user. |
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Designer in browser * In V2 Workflows use an older style desktop app. In V3 workflows are built and managed in the Paygate Browser app. It’s much easier to deploy and manage. |
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Improved logging * A feature mainly for PS/CS to help them diagnose problems with workflows. Problems can be diagnosed and fixed faster. |
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New scheduler triggers * A new trigger type that allows the user to set up a workflow like you set up a meeting in Outlook. For some, this is more flexible and easier to understand than using CRON. |
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Triggers for multiple workflows * You can use a single trigger to start multiple workflows. It’s a simple feature that will make things easier to manage if you have a lot of workflows. |
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Workflow validation * Troubleshoots new workflows, validation |
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Workflow chaining * Allows a workflow to call another workflow. Using this you can simplify large complicated workflows in smaller separate ones. Easier to manage and diagnose issues. |
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New nodes * Various new nodes that help to build new types of workflows or help manage existing workflows. |
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Full documentation V3 will be fully documented with help guides and tutorials.
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Multiple filename variables * Supporting multiple filename variables should make designing complex workflows a bit easier. |
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Future developments * Pure Excel Importer – XLSX; BACS Calendar Widget; Workflow Timeline; Workflow / Mobile App notification / management; S3 Connector |
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Download and distribute A Reports * When you have workflow and HSM you can automate the entire BACS report download process. They can automatically be converted to other formats for integration into finance apps. They can be emailed to customers as html, pdf or zips. They can be made available for collection via SFTP. Or, if you use Agent, they can be security delivered to the customer’s private network. |
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Lightsout submission * No signing |
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| Standard nodes for initiation | ✓ | ✓ | ✓ |
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| Batched bureau submissions | ✓ | ✓ | ✓ |
| Manual & Automated submission builder | ✓ | ✓ | ✓ |
| Customer import | ✓ | ✓ | ✓ |
| Bacs reporting tools | ✓ | ✓ | ✓ |
| Recall Bureau Customers by ID | ✓ | ||
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Submission Re-entry * Complete your submissions over any amount of time
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Familiar workflow throughout *It will be familiar to V2 customer but they will notice improvements. |
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| Revamped manual submission mode *This is completely new in V3 Bureau.
Those customers wanting a more manual way of building their submission (Rather than using Jobs) will find a new, efficient way of working.
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Drag and drop files from anywhere *Like in other areas of V3. User can just drag and drop file in Bureau for processing. They can also use the Restricted File Browser and Server file browser – that add more security – if they wish. |
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Support for multiple file formats per submission * No longer limited to single Standard 18 submission for example
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Better default filename support *Makes working with files easier. |
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Usage Reporting over data range *Small but useful improvement to reporting. User can set a date range on the usage report. |
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Validate *Validate is integrated in V3 and so customers that have both products can access them from the same client with the same account. |
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API Access *Validate API and the Payment API.
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Save Submissions *Save an ‘in-progress’ submission and return to it later. Build up a submission during the day |
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| Improved payment and submission searching | ✓ | ||
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Customisable dashboard *Many useful, module specific, dashboard widgets, e.g. Payments, collections, workflow, etc. |
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| Enhanced reporting including real-time usage | ✓ |
