Account validation is mandatory for Paperless Direct Debit service users at time of data entry and best practice for other service users.
Account validation improves the quality of data input by service users, so that only valid bank details are stored for subsequent lodgement.
Account validation incorporates:
- Industry Sort Code Directory (ISCD): Lists all UK Sort Codes and along with allowed transactions
- Modulus checking: Tables to validate many sort code and account number combinations
- Debiting and Crediting banks and Building Societies: Rules applied to non-standard account numbers for Bacs processing
The first two, or even all three, aspects of account validation are already used in your Bacstel-IP submission processes, but will also be required at point of data entry when interacting with the payer via a Paperless Direct Debit signup process.
Account validation data is available directly from Bacs or from Bacstel-IP software providers.