Managing multiple customer bank accounts

Hello Sage Community!

One of our services supports people to manage bank accounts. This involves paying invoices, paying people they employ, and managing spend against set budgets. There are around 400 accounts, and we are trying to figure out the best way to manage moving forward. Currently, payments are made manually by logging into each bank account and entering the data, this info is then transferred over to each customer's budget spreadsheet (for monitoring purposes).

The best idea we have at the moment is to set up each person as a 'Department' (so that we can use the budget function and track income/spend) then set up each bank account. Most bank accounts are with Barclays, and whilst we can export a CSV file to upload, the ideal scenario would be for the bank to make payment based entirely on what we input on Sage.

So, in an ideal world everything would be managed within Sage...the invoice/payroll would be loaded, we'd allocate to relevant nominal and department codes, then (hopefully) ask the bank to process BACS payments - without us needing to log in and upload any files.

Any thoughts on how this could work would be greatly appreciated - including suggestions on any relevant plug-ins.

Thanks in advance!

Jack