BACS Direct Debit Drop-in integration

Add BACS Direct Debit to an existing Drop-in integration.

Our Web Drop-in renders BACS Direct Debit in your payment form, and redirects the shopper to an Adyen-hosted page to enter their payment details and complete the payment.

When making a BACS Direct Debit payment, you additionally need to:

Handle the redirect result after the shopper returns to your website.

Before you begin

This page explains how to add BACS Direct Debit to your existing Web Drop-in integration. The Web Drop-in integration works the same way for all payment methods. If you haven't done this integration yet, refer to our Drop-in integration guide.

Before starting your BACS Direct Debit integration:

Make sure that you have set up your back end implementation, and added Drop-in to your payments form.
Add BACS Direct Debit in your test Customer Area.

Show BACS Direct Debit in your payment form

Drop-in uses the countryCode and the amount.currency from your /paymentMethods request to show the available payment methods to your shopper.

To show BACS Direct Debit in your payment form, specify in your /paymentMethods request:

countryCode: GB
amount.currency: GBP.

Make a payment

When the shopper selects the Pay button, Drop-in calls the onSubmit event, which contains a state.data.

Pass the state.data to your server.
From your server, make a /payments request, specifying:
- paymentMethod: The state.data.paymentMethod from the onSubmit event from your front end.

https://docs.adyen.com/payment-methods/bacs/web-drop-in#bacs-payments

curl https://checkout-test.adyen.com/v51/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:paymentComponentData.paymentMethod from app}paymentMethod{/hint}":{
    "type":"directdebit_GB"
  },
  "returnUrl":"adyencheckout://your.package.name"
}'

# 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 => "adyencheckout://your.package.name",
  :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("adyencheckout://your.package.name");

    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" => "adyencheckout://your.package.name",
  "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': 'adyencheckout://your.package.name',
   '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 paymentsRequest = new Model.Checkout.PaymentRequest
{
  Reference = "YOUR_ORDER_NUMBER",
  Amount = amount,
  ReturnUrl = @"adyencheckout://your.package.name",
  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: "adyencheckout://your.package.name"
}).then(res => res);

The /payments response contains:

action: Object containing information about the redirect.
action.paymentData: Store this on your server — you need to submit this in your /payments/details request when handling the redirect result.
action.method: GET or POST. The HTTP request method that you should use. After the shopper completes the payment, they will be redirected back to your returnURL using the same method.
The redirect method depends on your payment method configuration and the length of the data included in the request, so make sure that your integration can handle both HTTP GET and HTTP POST methods.

https://docs.adyen.com/payment-methods/bacs/web-drop-in#-payments-response

/payments response

{
    "resultCode": "RedirectShopper",
    "action": {
        "method": "GET",
        "paymentData": "abcxyz...",
        "paymentMethodType": "directdebit_GB",
        "type": "redirect",
        "url": "https://test.adyen.com/hpp/details.shtml?brandCode=directdebit_GB&countryCode=GB..."
    },
    "details": [
        {
            "key": "payload",
            "type": "text"
        }
    ],
    "paymentData": "abcxyz...",
    "redirect": {
        "method": "GET",
        "url": "https://test.adyen.com/hpp/details.shtml?brandCode=directdebit_GB&countryCode=GB..."
    }
}

Pass the action object to your front end. Drop-in needs the action object to redirect the shopper to the Adyen-hosted website to complete the payment.

Handle the redirect result

Drop-in usesdropin.handleAction(action) to redirect the shopper to the Adyen-hosted page. After the shopper is redirected back to your website, check the redirect result.

From your server, make a POST /payments/details request, specifying:
- paymentData: Value you 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. For example, payload. To check the parameters that you should submit, refer to the details.key returned in the /payments response.
https://docs.adyen.com/payment-methods/online-banking-india/web-drop-in#-payments-details-request
- /payments/details request
{ "paymentData":"Ab02b4c0!BQABAgCJN1wRZuGJmq8dMncmypvknj9s7l5Tj...", "details":{ "{hint:Verify the parameters from /payments response}payload{/hint}":"Ab02b4c0!BQABAgCW5sxB4e/==" } }
You receive a response containing:
- resultCode: Use this to present the result to your shopper.
- pspReference: Our unique identifier for the transaction.
https://docs.adyen.com/payment-methods/online-banking-india/web-drop-in#-payments-details-response
- /payments/details response
{ "resultCode": "Authorised", "pspReference": "88154795347618C" }

For more information and detailed instructions, refer to Handling the redirect result.

Present the payment result

Use the resultCode that you received in the /payments/details 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.
Cancelled	The shopper cancelled the payment while on their bank's website or app.	Ask the shopper whether they want to continue with the order, or ask them to select a different payment method.

If a shopper completed the payment but failed to return to your website or app, you will receive the outcome of the payment in an AUTHORISATION notification.

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.

We strongly recommend that you request explicit permission from the shopper if you intend to make recurring BACS Direct Debit payments. Being transparent about the payment schedule and the amount they will be charged will reduce the risk of chargebacks. Under the Direct Debit Guarantee, if there is a change in the collection date or the amount, you must give the shopper advance notice of the payment.

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 the storedPaymentMethodId. 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 or paymentMethod.storedPaymentMethodIdfor API v49 and above. This is the recurringDetailReference 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.

You cannot defend against BACS chargebacks. These will always result in the shopper receiving a refund.

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.