PayDirect is an electronic payments processing system that provides you with a cost efficient means to make high volume payments like salaries with minimum effort.

1. Reduced internal administration.
   PayDirect allows you to import payment data directly from your payroll package, thus maximizing the potential administrative benefits. Barclays will work with you to ensure the successful interface of PayDirect with your accounting system and payroll package, so as to achieve a fully automated file transfer.
2. Cost Savings
   As bank charges will be reduced by over 50%. The cost of processing salaries using PayDirect is Ksh 150 per entry while that of manual processing is between Ksh 300 - 500 per entry. There will be no charge for installing our software or training your staff.
3. Faster processing of salaries.
   Files delivered before 1300hrs will be processed on the same day and employees who hold accounts with Barclays can draw the money the following morning. Those whose accounts are in other banks will be credited a day or two later, subject to inter bank clearing rules.
4. Improved accuracy.
   Using a computerised payroll package will drastically reduce human intervention in the payment process and thus enhance accuracy, minimise errors and reduce the possibility of fraud.
5. Centralised help desk.
   In case you experience any problems or have any queries, they will be resolved expeditiously by a dedicated, well-trained support desk team.
6. One Stop Service.
   Pay Direct allows you to make payments to employees who hold accounts at all clearing banks. Additionally, it allows you to automate payments to non-bank financial institutions.

Security
PayDirect subscribes to a rigorous security access control mechanism. The procedures and standards ensure that payments are effected safely and completely. Through its validation process, PayDirect ensures that Barclays has the opportunity of verifying your instructions before processing. The following security features are incorporated:

• Encryption - The electronic file is created at your offices and is then encrypted. Encryption of the file acts as a security measure to ensure that the data is not tampered with and cannot be viewed. After encryption, neither staff, nor the officials at the bank can view or alter the file.
• System Limits - When the system is installed, we set up limits within the system as a security feature so that should the limits be exceeded at any one time, you will be notified to reconfirm before the payments file is processed. This ensures that no unauthorised amounts are processed.
• Unique Originator ID and Individual Password Control - Your organisation will be set up with a unique originator ID and encryption key. Each user will have an individual user ID and Password, so that only authorised users can access the system.
• Audit Trail - A full audit trail function is available, to keep track of the activities of the various users as well as the payments processed.
• Confidentiality - Barclays does not rely on any intermediary or third party to transmit or process your salaries. All communication is strictly bilateral, between Barclays and your organisation.