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fDesc[0] = "BACS.IP is a modern electronic funds transfer solution for the payment and collection of funds. It allows companies to collect funds from their customers&#039; bank accounts, and to transfer funds to their employees and suppliers.<br /> <br /> BACS.IP For Free is just what it says it is - a FREE solution. There is no initial cost and it comes with one year&#039;s free licence and support. There is a nominal annual licence fee for the second and subsequent years which includes support (telephone and email) and maintenance.";

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