Our BACS Direct Debit Component renders BACS Direct Debit in your payment form. As with other redirect payment methods, you need to use createFromAction
to redirect the shopper, and handle the redirect after the shopper returns to your website.
Before you begin
This page explains how to add BACS Direct Debit to your existing Web Components integration. The Web Components integration works the same way for all payment methods. If you haven't done this integration yet, refer to our Components integration guide.
Before starting your BACS Direct Debit integration:
- Make sure that you have set up your back end implementation, and created an instance of
AdyenCheckout
. -
Add BACS Direct Debit in your Customer Area.
Show BACS Direct Debit in your payment form
To present the BACS Direct Debit Component in your payment form:
-
From your server, make a POST /paymentMethods request specifying:
- countryCode: GB
- amount.currency: GBP
-
Pass the full response from the /paymentMethods call as the
paymentMethodsResponse
object when creating an instance of theAdyenCheckout
. - Add the BACS Direct Debit Component:
a. Create a DOM element for BACS Direct Debit, placing it where you want the form to be rendered:<div id="bacs-container"></div>
b. Create and mount an instance of the BACS Direct Debit Component using its component name,
directdebit_GB
. This renders a button on your payment form.function handleOnSubmit(state, component) { // Optional, only if you want to override the onSubmit defined in your AdyenCheckout instance state.isValid // True or false. Specifies if all the information that the shopper provided is valid. state.data // Provides the data that you need to pass in the `/payments` call. component // Provides the active component instance that called this event. } const bacsComponent = checkout.create('directdebit_GB', { onSubmit: handleOnSubmit // Optional, only if you want to override the onSubmit defined in your AdyenCheckout instance }).mount('#bacs-container');
When the shopper selects the payment method, the Component calls the
onSubmit
event, which contains astate.data
object including the shopper's selected payment method. If your integration is set up correctly, thestate.data
is passed on to your server.
Make a payment
From your server, make a POST /payments request, specifying:
paymentMethod
: Thestate.data.paymentMethod
from theonSubmit
event from your front end.returnUrl
: The URL where the shopper will be redirected back to after completing the payment. The URL should include the protocol:http://
orhttps://
. For example,https://your-company.com/checkout/
. You can also include your own additional query parameters, for example, shopper ID or order reference number.
Here is how you would make a payment request for 10 GBP.
curl https://checkout-test.adyen.com/v66/payments \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
"merchantAccount":"YOUR_MERCHANT_ACCOUNT",
"reference":"YOUR_ORDER_NUMBER",
"amount":{
"currency":"GBP",
"value":1000
},
"{hint:state.data.paymentMethod from onSubmit}paymentMethod{/hint}":{
"type":"directdebit_GB"
},
"returnUrl":"https://your-company.com/checkout?shopperOrder=12xy.."
}'
# Set your X-API-KEY with the API key from the Customer Area.
adyen = Adyen::Client.new
adyen.api_key = "YOUR_X-API-KEY"
response = adyen.checkout.payments({
:amount => {
:currency => "GBP",
:value => 1000
},
:reference => "YOUR_ORDER_NUMBER",
:paymentMethod => {
:type => "directdebit_GB"
},
:returnUrl => "https://your-company.com/checkout?shopperOrder=12xy..",
:merchantAccount => "YOUR_MERCHANT_ACCOUNT"
})
// Set YOUR_X-API-KEY with the API key from the Customer Area.
// Change to Environment.LIVE and add the Live URL prefix when you're ready to accept live payments.
Client client = new Client("YOUR_X-API-KEY", Environment.TEST);
Checkout checkout = new Checkout(client);
PaymentsRequest paymentsRequest = new PaymentsRequest();
String merchantAccount = "YOUR_MERCHANT_ACCOUNT";
paymentsRequest.setMerchantAccount(merchantAccount);
Amount amount = new Amount();
amount.setCurrency("GBP");
amount.setValue(15000L);
paymentsRequest.setAmount(amount);
DefaultPaymentMethodDetails paymentMethodDetails = new DefaultPaymentMethodDetails();
paymentMethodDetails.setType("directdebit_GB");
paymentsRequest.setPaymentMethod(paymentMethodDetails);
paymentsRequest.setReference("YOUR_ORDER_NUMBER");
paymentsRequest.setReturnUrl("https://your-company.com/checkout?shopperOrder=12xy..");
PaymentsResponse paymentsResponse = checkout.payments(paymentsRequest);
// Set your X-API-KEY with the API key from the Customer Area.
$client = new \Adyen\Client();
$client->setXApiKey("YOUR_X-API-KEY");
$service = new \Adyen\Service\Checkout($client);
$params = array(
"amount" => array(
"currency" => "GBP",
"value" => 1000
),
"reference" => "YOUR_ORDER_NUMBER",
"paymentMethod" => array(
"type" => "directdebit_GB"
),
"returnUrl" => "https://your-company.com/checkout?shopperOrder=12xy..",
"merchantAccount" => "YOUR_MERCHANT_ACCOUNT"
);
$result = $service->payments($params);
#Set your X-API-KEY with the API key from the Customer Area.
adyen = Adyen.Adyen()
adyen.client.xapikey = 'YOUR_X-API-KEY'
result = adyen.checkout.payments({
'amount': {
'value': 1000,
'currency': 'GBP'
},
'reference': 'YOUR_ORDER_NUMBER',
'paymentMethod': {
'type': 'directdebit_GB'
},
'returnUrl': 'https://your-company.com/checkout?shopperOrder=12xy..',
'merchantAccount': 'YOUR_MERCHANT_ACCOUNT'
})
// Set your X-API-KEY with the API key from the Customer Area.
var client = new Client ("YOUR_X-API-KEY", Environment.Test);
var checkout = new Checkout(client);
var amount = new Model.Checkout.Amount("GBP", 1000);
var details = new Model.Checkout.DefaultPaymentMethodDetails{
Type = "directdebit_GB"
};
var paymentRequest = new Adyen.Model.Checkout.PaymentRequest
{
Reference = "YOUR_ORDER_NUMBER",
Amount = amount,
ReturnUrl = @"https://your-company.com/checkout?shopperOrder=12xy..",
MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
PaymentMethod = details
};
var paymentResponse = checkout.Payments(paymentsRequest);
// Set your X-API-KEY with the API key from the Customer Area.
const {Client, Config, CheckoutAPI} = require('@adyen/api-library');
const config = new Config();
// Set your X-API-KEY with the API key from the Customer Area.
config.apiKey = '[API_KEY]';
config.merchantAccount = '[YOUR_MERCHANT_ACCOUNT]';
const client = new Client({ config });
client.setEnvironment("TEST");
const checkout = new CheckoutAPI(client);
checkout.payments({
amount: { currency: "GBP", value: 1000 },
paymentMethod: {
type: 'directdebit_GB'
},
reference: "YOUR_ORDER_NUMBER",
merchantAccount: config.merchantAccount,
returnUrl: "https://your-company.com/checkout?shopperOrder=12xy.."
}).then(res => res);
The /payments response contains:
-
action.method
: GET. The HTTP request method that you should use. After the shopper completes the payment, they will be redirected back to yourreturnURL
using the same method.
{
"resultCode":"RedirectShopper",
"action":{
"method":"GET",
"paymentData":"Ab02b4c0!BQABAgCSZT7t...",
"paymentMethodType":"directdebit_GB",
"type":"redirect",
"url":"https://test.adyen.com/hpp/skipDetails.shtml?brandCode=directdebit_GB..."
},
"details":[
{
"key":"redirectResult",
"type":"text"
}
],
...
}
If your integration is set up correctly, the action
object is passed from your server to the client, and the action.paymentData
temporarily stored on your server.
Handle the redirect
Handling the redirect works the same way for all redirect payment methods:
-
Call
createFromAction
, passing theaction
object from the previous step. This will return a new Component that you need to mount:
The Component redirects the shopper to BACS Direct Debit to complete the payment.checkout.createFromAction(action).mount('#my-container');
-
After the shopper is redirected back to your website, check the payment result by making a POST /payments/details request, specifying:
-
paymentData
: The value your received in the /payments response. -
details
: Object that contains the URL-decoded values of the parameters that were returned when the shopper was redirected back to your site.
-
resultCode
: Use this to present the payment result to your shopper. -
pspReference
: Our unique identifier for the transaction.
-
Present the payment result
Use the resultCode that you received in the /payments response to present the payment result to your shopper.
The resultCode
values you can receive for BACS Direct Debit are:
resultCode | Description | Action to take |
---|---|---|
Received | Adyen has received the payment and will submit the DDI and the payment for processing to BACS. | You will receive a notification when the status of the payment has been updated. There will be a settlement delay of four to six days. Inform the shopper that you've received their order, and are waiting for the payment to be completed. Present the shopper with the URL in action.downloadUrl from the response. The shopper may optionally download the mandate PDF document. |
Authorised | The payment was successful. | Inform the shopper that the payment was successful. |
Cancelled | The shopper cancelled the payment. | Ask the shopper whether they want to continue with the order, or ask them to select a different payment method. |
Error | There was an error when the payment was being processed. For more information, check the
refusalReason
field. |
Inform the shopper that there was an error processing their payment. |
Refused | The payment was refused. For more information, check the
refusalReason
field. |
Ask the shopper to try the payment again using a different payment method. |
Recurring payments
If you have a recurring or subscription business model, we recommend tokenizing the shopper's payment details. When you create a shopper token from a BACS Direct Debit payment, we store the shopper's payment details with the token. You can use this token to make recurring BACS Direct Debit payments.
You need to use the /payments endpoint to make recurring payments with the token.
Create shopper token
Tokenize the shopper's payment details when you make the initial BACS Direct Debit payment.
- When you make a POST request to /payments to make a payment, additionally include:
-
shopperReference
: Your unique ID for this shopper. -
paymentMethod.storePaymentMethod
: true.
- When you receive the notification that the payment was authorised, note the
recurringDetailReference
or thestoredPaymentMethodId
. This is the token you will need to make recurring payments for this shopper.
Make recurring payments
For each recurring payment for this shopper, make a BACS Direct Debit payment with a POST request to the /payments endpoint, and additionally include:
-
paymentMethod.recurringDetailReference
orpaymentMethod.storedPaymentMethodId
for API v49 and above. This is therecurringDetailReference
returned in the response when you created the token. This holds the token for the shopper received in the successful payment notification for the initial payment. -
shopperReference
: The same unique shopper ID you used to create the shopper token. -
shopperInteraction
: ContAuth.
{
"merchantAccount":"YourMerchantAccount",
"reference":"BACS test payment",
"shopperReference":"YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j",
"shopperInteraction":"ContAuth",
"amount":{
"currency":"GBP",
"value":49900
},
"paymentMethod":{
"type":"directdebit_GB",
"storedPaymentMethodId":"7219687191761347"
},
"countryCode":"GB",
"shopperLocale":"en_gb",
"returnUrl":"https://your-company.com/..."
}
If the payment was successfully received the response will contain the resultCode
Received and a pspReference
, which is our unique identifier for this transaction. You can track whether the payment was successful using notifications.
Chargebacks
The BACS scheme and the 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.
For more information on the chargeback process, refer to Dispute management.
Chargeback notification
A notification 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 notification for a chargeback due to insufficient funds in the shopper's bank account.
{
"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":"GBP",
"value":1000
},
"eventCode":"CHARGEBACK",
"eventDate":"2016-10-21T11:34:15+02:00",
"merchantAccountCode":"YourMerchantAccount",
"merchantReference":"TMRef1234",
"paymentMethod":"directdebit_GB",
"pspReference":"9914770424540842",
"reason":"Insufficient funds",
"success":"true"
}
}
]
}
Test and go live
Before accepting live BACS Direct Debit payments, test your integration using the following details:
Account Name | Account Number | Sort Code |
---|---|---|
David Archer | 40308669 | 560036 |
Check the status of BACS Direct Debit test payments in your Customer Area > Transactions > Payments.
Before you can accept live BACS Direct Debit payments, you need to submit a request for BACS Direct Debit in your live Customer Area.