Glossary of Terms



Automated Direct Debit Amendment and Cancellation Service

Late receipt of information about Direct Debit amendments and cancellations can be costly in terms of both time and money. ADDACS streamlines the process and ensures that you receive information on amendments and cancellations quickly - and with dramatically reduced risk of error.

Further Reading:


Automated Return of Unapplied Credits Service

With billions of Bacs Direct Credits made annually, there are occasions when the data sent by an organisation contains incorrect information. ARUCS allows the receiving bank to return the Bacs Direct Credit automatically to the organisation via the Bacs service and give appropriate information by way of reason codes as to why the payment was unapplied.

Further Reading:


Advice of Wrong Account for Automated Credits Service

AWACS is a fast and efficient electronic messaging service allowing payment service provider​s (PSP) to notify service users of any changes to a Bacs Direct Credit payment, providing them with the information needed to help maintain their payments database.

Further Reading:

Bacs Transaction Codes

Code Description
0N (Zero N) Direct Debit Instruction – New instruction.
0C (Zero C) Direct Debit Instruction – Cancellation instruction.
0S (Zero S) Direct Debit Instruction – Conversion instruction.
01 (Zero 1) Direct Debit - First collection.
17 Direct Debit - Regular collection, or credit contra (debit record to balance credit records).
18 Direct Debit - Re-presentation.
19 Direct Debit - Final collection.
99 Direct Credit, or debit contra (credit record to balance debit records).

Country Codes

Country Alpha-2 code Country Alpha-2 code
Afghanistan AF Albania AL
Algeria DZ American Samoa AS
Andorra AD Angola AO
Anguilla AI Antarctica AQ
Antigua and Barbuda AG Argentina AR
Armenia AM Aruba AW
Australia AU Austria AT
Azerbaijan AZ Bahamas (the) BS
Bahrain BH Bangladesh BD
Barbados BB Belarus BY
Belgium BE Belize BZ
Benin BJ Bermuda BM
Bhutan BT Bolivia (Plurinational State of) BO
Bonaire, Sint Eustatius and Saba BQ Bosnia and Herzegovina BA
Botswana BW Bouvet Island BV
Brazil BR British Indian Ocean Territory (the) IO
Brunei Darussalam BN Bulgaria BG
Burkina Faso BF Burundi BI
Cabo Verde CV Cambodia KH
Cameroon CM Canada CA
Cayman Islands (the) KY Central African Republic (the) CF
Chad TD Chile CL
China CN Christmas Island CX
Cocos (Keeling) Islands (the) CC Colombia CO
Comoros (the) KM Congo (the Democratic Republic of the) CD
Congo (the) CG Cook Islands (the) CK
Costa Rica CR Croatia HR
Cuba CU Curaçao CW
Cyprus CY Czechia CZ
Côte d'Ivoire CI Denmark DK
Djibouti DJ Dominica DM
Dominican Republic (the) DO Ecuador EC
Egypt EG El Salvador SV
Equatorial Guinea GQ Eritrea ER
Estonia EE Eswatini SZ
Ethiopia ET Falkland Islands (the) [Malvinas] FK
Faroe Islands (the) FO Fiji FJ
Finland FI France FR
French Guiana GF French Polynesia PF
French Southern Territories (the) TF Gabon GA
Gambia (the) GM Georgia GE
Germany DE Ghana GH
Gibraltar GI Greece GR
Greenland GL Grenada GD
Guadeloupe GP Guam GU
Guatemala GT Guernsey GG
Guinea GN Guinea-Bissau GW
Guyana GY Haiti HT
Heard Island and McDonald Islands HM Holy See (the) VA
Honduras HN Hong Kong HK
Hungary HU Iceland IS
India IN Indonesia ID
Iran (Islamic Republic of) IR Iraq IQ
Ireland IE Isle of Man IM
Israel IL Italy IT
Jamaica JM Japan JP
Jersey JE Jordan JO
Kazakhstan KZ Kenya KE
Kiribati KI Korea (the Democratic People's Republic of) KP
Korea (the Republic of) KR Kuwait KW
Kyrgyzstan KG Lao People's Democratic Republic (the) LA
Latvia LV Lebanon LB
Lesotho LS Liberia LR
Libya LY Liechtenstein LI
Lithuania LT Luxembourg LU
Macao MO Madagascar MG
Malawi MW Malaysia MY
Maldives MV Mali ML
Malta MT Marshall Islands (the) MH
Martinique MQ Mauritania MR
Mauritius MU Mayotte YT
Mexico MX Micronesia (Federated States of) FM
Moldova (the Republic of) MD Monaco MC
Mongolia MN Montenegro ME
Montserrat MS Morocco MA
Mozambique MZ Myanmar MM
Namibia NA Nauru NR
Nepal NP Netherlands (the) NL
New Caledonia NC New Zealand NZ
Nicaragua NI Niger (the) NE
Nigeria NG Niue NU
Norfolk Island NF Northern Mariana Islands (the) MP
Norway NO Oman OM
Pakistan PK Palau PW
Palestine, State of PS Panama PA
Papua New Guinea PG Paraguay PY
Peru PE Philippines (the) PH
Pitcairn PN Poland PL
Portugal PT Puerto Rico PR
Qatar QA Republic of North Macedonia MK
Romania RO Russian Federation (the) RU
Rwanda RW Réunion RE
Saint Barthélemy BL Saint Helena, Ascension and Tristan da Cunha SH
Saint Kitts and Nevis KN Saint Lucia LC
Saint Martin (French part) MF Saint Pierre and Miquelon PM
Saint Vincent and the Grenadines VC Samoa WS
San Marino SM Sao Tome and Principe ST
Saudi Arabia SA Senegal SN
Serbia RS Seychelles SC
Sierra Leone SL Singapore SG
Sint Maarten (Dutch part) SX Slovakia SK
Slovenia SI Solomon Islands SB
Somalia SO South Africa ZA
South Georgia and the South Sandwich Islands GS South Sudan SS
Spain ES Sri Lanka LK
Sudan (the) SD Suriname SR
Svalbard and Jan Mayen SJ Sweden SE
Switzerland CH Syrian Arab Republic SY
Taiwan (Province of China) TW Tajikistan TJ
Tanzania, United Republic of TZ Thailand TH
Timor-Leste TL Togo TG
Tokelau TK Tonga TO
Trinidad and Tobago TT Tunisia TN
Turkey TR Turkmenistan TM
Turks and Caicos Islands (the) TC Tuvalu TV
Uganda UG Ukraine UA
United Arab Emirates (the) AE United Kingdom of Great Britain and Northern Ireland (the) GB
United States Minor Outlying Islands (the) UM United States of America (the) US
Uruguay UY Uzbekistan UZ
Vanuatu VU Venezuela (Bolivarian Republic of) VE
Vietnam, Socialist Republic of VN Virgin Islands (British) VG
Virgin Islands (U.S.) VI Wallis and Futuna WF
Western Sahara EH Yemen YE
Zambia ZM Zimbabwe ZW
Åland Islands AX


Direct Debit Indemnity Claim Advice

An Indemnity Claim (DDICA) is the notification of any payments which are being disputed by your Payer and these can be received at any time. One of the advantages of Direct Debit is that Payers are protected by the Direct Debit Guarantee, this encourages them to sign-up using this payment method over others.

Further Reading:

Real Time Information (RTI)

Pay As You Earn (PAYE) Real Time Information (RTI) is the process of matching payroll paid through Bacs Payment systems to individuals with the payroll data reported in real time. It provides confirmation of the amount paid into an individuals bank account to assist DWP with administration of all types of Universal Credit.

USA State Codes

State Alpha code State Alpha code
Alabama AL Alaska AK
Arizona AZ Arkansas AR
California CA Colorado CO
Connecticut CT Delaware DE
District of Columbia DC Florida FL
Georgia GA Hawaii HI
Idaho ID Illinois IL
Indiana IN Iowa IA
Kansas KS Kentucky KY
Louisiana LA Maine ME
Maryland MD Massachusetts MA
Michigan MI Minnesota MN
Mississippi MS Missouri MO
Montana MT Nebraska NE
Nevada NV New Hampshire NH
New Jersey NJ New Mexico NM
New York NY North Carolina NC
North Dakota ND Ohio OH
Oklahoma OK Oregon OR
Pennsylvania PA Rhode Island RI
South Carolina SC South Dakota SD
Tennessee TN Texas TX
Utah UT Vermont VT
Virginia VA Washington WA
West Virginia WV Wisconsin WI
Wyoming WY
  • Last modified: 2023/11/22 12:51