---
title: "BACS Direct Debit"
description: "Accept BACS Direct Debit payments with your online payments integration."
url: "https://docs.adyen.com/payment-methods/bacs"
source_url: "https://docs.adyen.com/payment-methods/bacs.md"
canonical: "https://docs.adyen.com/payment-methods/bacs"
last_modified: "2026-05-24T12:54:31+02:00"
language: "en"
---

# BACS Direct Debit

Accept BACS Direct Debit payments with your online payments integration.

[View source](/payment-methods/bacs.md)

![BACS logo](/user/pages/docs/08.payment-methods/18.bacs/bacs.svg?decoding=auto\&fetchpriority=auto)   ![This is the icon for direct debit in the UK](/user/pages/docs/08.payment-methods/18.bacs/directdebit_GB.svg?decoding=auto\&fetchpriority=auto)**Read more**

Learn more about BACS Direct Debit on [adyen.com](https://www.adyen.com/payment-methods/bacs-direct-debit).

Bankers' Automated Clearing Services (BACS) Direct Debit is a widely used payment method in the United Kingdom. The scheme is owned by [Bacs Payment Schemes Limited](https://www.bacs.co.uk/), which have very strict rules to protect shoppers. Shoppers are further protected by the [Direct Debit Guarantee](https://www.directdebit.co.uk/direct-debit-explained/direct-debit-guarantee).

Both one-off and recurring payments are supported by BACS. Due to the risk of chargebacks, we do not recommend using BACS Direct Debit for one-off payments or the sale of physical goods.

When making a BACS Direct Debit payment, the shopper needs to enter their name, bank account number, sort code, and email address. Before they continue to pay, the shopper confirms that the account is in their name and that they agree with the payment. After the payment is received, they are given the option to download a copy of the Direct Debit Instruction (DDI) or 'mandate'. Adyen submits the DDI and the payment to BACS for processing. Taking the BACS processing cycle into account, it can take four to six days before a payment is cleared and settled.

Your company name is forwarded to the shopper's bank but it may not show up on the shopper's statement. Instead, the shopper may see Adyen with Service User Number 182827 on their statement.

| Payment type | Payment flow | Countries | Currencies | [Recurring](/online-payments/tokenization)                   | [Refunds](/online-payments/refund)                           | [Partial refunds](/online-payments/refund/#refund-a-payment) | [Multiple partial refunds](/online-payments/refund)          | [Separate captures](/online-payments/capture)                | [Partial captures](/online-payments/capture/#partial-capture) | [Multiple partial captures](/online-payments/capture/#multiple-partial-captures) | [Chargebacks](/risk-management/chargeback-guidelines)        |
| ------------ | ------------ | --------- | ---------- | ------------------------------------------------------------ | ------------------------------------------------------------ | ------------------------------------------------------------ | ------------------------------------------------------------ | ------------------------------------------------------------ | ------------------------------------------------------------- | -------------------------------------------------------------------------------- | ------------------------------------------------------------ |
| Direct Debit | Direct       | GB        | GBP        | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![x](/user/data/smileys/emoji/x.png)                          | ![x](/user/data/smileys/emoji/x.png)                                             | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  |

## Advance notice

We strongly recommend that you send advance notice to shoppers before you process BACS Direct Debit payments. According to scheme rules, shoppers may file a chargeback when they do not receive a notification 10 days before a charge.

Below is a template email we recommend that you send to shoppers 8 working days before capturing a payment in our platform. Shoppers will see the charge 2 to 3 working days later, in accordance with the BACS Direct Debit payment cycle.

### Advance notice email template

> From: *Your company email address*\
> To: *Shopper email address*\
> Subject: ADVANCE NOTICE OF DIRECT DEBIT COLLECTION
>
> This is for informational purposes only. The below amount due will be collected by direct debit from your bank account on or after: *Settlement date: (dd/mm/yy)*.\
> Please note you will see the “ADYEN RE *Your company name*” on your bank statement.
>
> Shopper Account Name: *Shopper name*\
> Shopper Reference: *Your shopper reference number*\
> Direct Debit Amount Due: *Payment amount*
>
> If you have any queries about this notification please contact *Your company name and telephone number*.
>
> Best regards,
>
> *Your name and signature*

## Chargebacks

The BACS scheme and the [Direct Debit Guarantee](https://www.directdebit.co.uk/direct-debit-explained/direct-debit-guarantee) give significant consumer rights to the shopper, such as:

* An immediate money back guarantee if an error is made in the payment of a direct debit.
* The right to cancel the DDI at any time.

Unpaid direct debits are booked as chargebacks. A chargeback can indicate that:

* The DDI was changed or cancelled.
* The shopper disputes the due date, amount, or frequency of the direct debit.
* The shopper has not paid the direct debit.
* There were insufficient funds in the shopper's bank account.

You cannot defend BACS Direct Debit chargebacks. Chargebacks will always result in the shopper receiving a refund.

### Chargeback webhook

A webhook for a chargeback has:

* `pspReference`: Adyen's unique reference associated with the payment request.
* `eventCode`: **CHARGEBACK**
* `reason`: Reason for the chargeback.
* `success`: **true**

Here is an example of a webhook for a chargeback due to insufficient funds in the shopper's bank account.

**Example chargeback for insufficient funds**

```json
{
   "live":"false",
   "notificationItems":[
      {
         "NotificationRequestItem":{
            "additionalData":{
               "directdebit_GB.mandateId":"424544",
               "directdebit_GB.serviceUserNumber":"298288",
               "directdebit_GB.serviceUserName":"Adyen Payments",
               "directdebit_GB.sequenceType":"OneOff",
               "directdebit_GB.dateOfSignature":"2016-10-21"
            },
            "amount":{
               "currency":"",
               "value":1000
            },
            "eventCode":"CHARGEBACK",
            "eventDate":"2016-10-21T11:34:15+02:00",
            "merchantAccountCode":"YOUR_MERCHANT_ACCOUNT",
            "merchantReference":"YOUR_PAYMENT_REFERENCE",
            "paymentMethod":"",
            "pspReference":"9914770424540842",
            "reason":"Insufficient funds",
            "success":"true"
         }
      }
   ]
}
```

### More information on chargebacks

* [Understanding and defending disputes](/risk-management/understanding-disputes)
* [BACS dispute reason codes](/risk-management/understanding-disputes/dispute-reason-codes/#direct_debit_great_britain)

## How do you want to integrate?

[![This is the web icon.](/user/pages/reuse/image-library/01.icons/web/web.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/bacs/web)

###### [Web](/payment-methods/bacs/web)

[Use our pre-built UI solutions to add BACS Direct Debit to your website.](/payment-methods/bacs/web)

[![This is the iOS icon.](/user/pages/reuse/image-library/01.icons/ios/ios.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/bacs/ios)

###### [iOS](/payment-methods/bacs/ios)

[Use our pre-built UI solutions to add BACS Direct Debit to your iOS app.](/payment-methods/bacs/ios)

[![This is the Android icon.](/user/pages/reuse/image-library/01.icons/android/android.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/bacs/android)

###### [Android](/payment-methods/bacs/android)

[Use our pre-built UI solutions to add BACS Direct Debit your Android app.](/payment-methods/bacs/android)

[![This is the React Native icon.](/user/pages/reuse/image-library/01.icons/react-native/react-native.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/bacs/react-native)

###### [React Native](/payment-methods/bacs/react-native)

[Use our pre-built UI solutions to add BACS Direct Debit your cross-platform app.](/payment-methods/bacs/react-native)

[![This is the Flutter icon.](/user/pages/reuse/image-library/01.icons/flutter/flutter-logo.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/bacs/flutter)

###### [Flutter](/payment-methods/bacs/flutter)

[Use our pre-built UI solutions to add BACS Direct Debit your cross-platform app.](/payment-methods/bacs/flutter)

[![This is the API only icon.](/user/pages/reuse/image-library/01.icons/api-only/checkout-api-only.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/bacs/api-only)

###### [API only](/payment-methods/bacs/api-only)

[Build your own UI for BACS Direct Debit in your website, iOS or Android app.](/payment-methods/bacs/api-only)

[![This is the Pay by Link icon.](/user/pages/reuse/image-library/01.icons/pay-by-link/pay-by-link.svg?decoding=auto\&fetchpriority=auto)](/unified-commerce/pay-by-link)

###### [Pay by Link](/unified-commerce/pay-by-link)

[Use Pay by Link to accept BACS Direct Debit payments.](/unified-commerce/pay-by-link)

## See also

* [Online payments](/online-payments/)
* [3D Secure](/online-payments/3d-secure)
* [Capture](/online-payments/capture)
* [Payment methods](/payment-methods)