Allow more than 3 pensions to have BACs as this is currently capped

We have a client with two Auto-Enrolment schemes and three private pensions. Previously, we were able to submit BACs payments for all these schemes; however, since migrating to Paycircle, we can no longer process BACs for the private pensions due to a cap on the number of pension BACs that can be set up. Could this limit be removed or increased to accommodate clients with multiple pension arrangements?

The only temporary workaround is to create a “dummy” company for the three affected employees so we can set up and submit BACs for their private pensions. This is not ideal and introduces unnecessary risk of error.

Our payroll's have recently migrated to Paycircle. Paycircle currently enforces a cap of three pension BACs per client. This restriction is causing operational challenges for clients with multiple pension arrangements, such as Auto-Enrolment (AE) schemes alongside private pensions.

Impact

• Compliance Risk: Failure to remit pension contributions accurately and on time could breach pension regulations.

• Client Satisfaction: Clients expect seamless payroll processing; manual workarounds may effect service quality and trust.

• Operational Efficiency: Additional steps increase processing time and complexity

Proposed Solution
Remove the cap on pension BACs within Paycircle to allow multiple pension schemes per client.

This change will enable accurate BACs submissions for all pension arrangements without manual intervention.

Benefits

• Compliance Assurance: Ensures timely and accurate pension contributions.

• Improved Client Experience: Eliminates service disruptions and manual errors.

• Operational Efficiency: Reduces administrative burden and risk.