Bank Account Validation - The Basics

Modulus Checking

  • A modulus check is an arithmetic check that establishes whether there is a valid link between a given sort code and account number range.
  • Modulus checking is a vital process within bank account validation for Bacs submissions, ensuring that errors arising during the capturing of data are flagged for the payer's attention to enable them to correct them before they are submitted, thus avoiding costly returned transactions.
  • Modulus checking can be incorporated into your existing systems, carried out by a payments application such as ePay, or a dedicated bank account validation tool such as V-Series.
  • For business Direct Debit (DD) users, modulus checking is particularly important as it validates your customer's bank account details and ascertains whether their account can accept Direct Debits.
  • If your company's DD collection process lacks modulus checking, many of your collections will likely fail. Due to this risk, Bacs recommends modulus checking for AUDDIS service users and has made it mandatory for paperless Direct Debit users.

Benefit from modulus checking with V-Series »

To facilitate verification of personal account holder information, Bottomline Technologies has recently launched a new solution V-Series.  For more information, please contact us »

Extended Industry Sort Code Directory (EISCD)

  • The Extended Industry Sort Code Directory is a central list of all sort codes that participate in one or more of the UK's clearing services, for example Bacs Direct Credits, Faster Payments and Direct Debits.
  • The EISCD:
    • Decides whether an account number is valid for the bank and branch represented by its sort code
    • Shows what type of payments the bank account can receive.
  • In order for organisations to be sure their data is error-free, all Bacs software solutions, including ePay, are required to make these validation checks before sending a transaction to Bacs.

Ensure your data is correct with V-Series »

Download information

Brochures and data sheets on all our current offerings are available via the form below.