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HMRC internal manual

Debt Management and Banking Manual

HM Revenue & Customs
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Process payments in DMB Banking: Introduction


DMB Banking in Cumbernauld and Shipley process a variety of payments. These are as follows.


Payment Method RCS payment type Processing system Electronic payment type
Cheques BLP MARS to RCS No
Girobank NGP    


NGE RCS Yes    
  Bank giro (on tape) BGT RCS Yes
  Bank giro (clerical, via MARS) BGP MARS to RCS No
  Debit card DCP DCS to RCS Yes
  Sharefishermen SFP RCS Yes
  Direct Debit DDP NDDS to RCS Yes
  CHAPS CHP Local application to RCS Yes
  Paymaster PYM Local application to RCS Yes


Receipts Clearing System (RCS)

Payments for most heads of duty (HoD) are processed by the Receipts Clearing System (RCS). This

  • receives incoming data files from banks or primary processing systems
  • identifies the HoD from the reference number
  • validates the reference number
  • groups payments by HoD and outputs a data file to each HoD to update customer records.

Note: RCS may convert the payment type to whatever the receiving system can recognise. These conversion codes are described in the sections on each HoD

Payments files are received by RCS during each bank working day. It waits until MARS has finished for the day before starting processing. This is an overnight batch process.

Other payment processing systems

Some payment methods use a primary system, which feed payment data to RCS (see table above). These are:

System Description Payments processed
MARS (also known as ARP) Multiple Application Remittance System Cheques
Clerical bank giros      
  TPS Telephone Payment Service Debit and Credit Card
  NDDS National Direct Debit System Direct Debit


CHAPS and Paymaster payment files are also from the bank. The reference numbers are validated using a local application and clerically corrected. These are then sent to RCS to update customer records.


The Department’s policy is to encourage customers to pay electronically. The preferred method of payment varies accordingly to the type of customer and the HoD.