{"title":"BACS Direct Debit for API only","category":"default","creationDate":1776961628,"content":"
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We strongly recommend that you use our Drop-in or Component solution. This is because BACS Direct Debit must certify the UI that you show to shoppers. If you do not use our Drop-in or Component, the BACS payment method may be disabled, and shoppers may file for chargebacks.<\/p>\n<\/div>\n

You can add BACS Direct Debit to your existing integration. The following instructions show only what you must add to your integration specifically for BACS Direct Debit.<\/p>\n

If an instruction on this page corresponds with a step in the main integration guide, it includes a link to corresponding step of the main integration guide.<\/p>\n

Requirements<\/h2>\n\n\n\n\n\n\n\n
Requirement<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
Integration type<\/strong><\/td>\nMake sure that you have an existing API-only integration<\/a>.<\/td>\n <\/td>\n<\/tr>\n
Action handling<\/strong><\/td>\nMake sure that your existing integration is set up to handle the additional action<\/a>.
action.type<\/code>: Direct<\/strong>.<\/td>\n		<\/td>\n<\/tr>\n
Setup steps<\/strong><\/td>\n Before you begin, add BACS Direct Debit in your Customer Area<\/a>. <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

How it works<\/h2>\n
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  1. The shopper selects BACS Direct Debit as the payment method.<\/li>\n
  2. The shopper enters their details in the payment form that you build<\/a>.<\/li>\n
  3. When you make the payment request, you include additional information about the items that the shopper intends to purchase<\/a>.<\/li>\n<\/ol>\n

    Build your payment form<\/h2>\n

    Include BACS Direct Debit in the list of available payment methods<\/a>.<\/p>\n

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    You can download the logo for BACS Direct Debit<\/a> to use in your form.<\/p>\n<\/div>\n

    Get BACS Direct Debit as an available payment method<\/h2>\n

    When you make the \/paymentMethods<\/a> to get available payment methods<\/a>, specify the following so that BACS Direct Debit is included in the response.<\/p>\n\n\n\n\n\n\n
    Parameter<\/th>\nValues<\/th>\n<\/tr>\n<\/thead>\n
    countryCode<\/a><\/td>\nGB<\/strong><\/td>\n<\/tr>\n
    amount.currency<\/a><\/td>\nGBP<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
    \n <\/code-sample>\n<\/div>\n
    \n <\/code-sample>\n<\/div>\n

    Add additional parameters to your \/payments request<\/h2>\n

    When you make a payment<\/a>, add the following parameters:<\/p>\n\n\n\n\n\n\n\n\n\n
    Parameter<\/th>\nRequired<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
    shopperEmail<\/a><\/td>\n\"-white_check_mark-\"<\/td>\nThe email of the shopper.<\/td>\n<\/tr>\n
    paymentMethod.type<\/a><\/td>\n\"-white_check_mark-\"<\/td>\nSet to directdebit_GB<\/strong>.<\/td>\n<\/tr>\n
    paymentMethod.holderName<\/a><\/td>\n\"-white_check_mark-\"<\/td>\nThe bank account holder's name.<\/td>\n<\/tr>\n
    paymentMethod.bankAccountNumber<\/a><\/td>\n\"-white_check_mark-\"<\/td>\nThe bank account holder's bank account number.<\/td>\n<\/tr>\n
    paymentMethod.bankLocationId<\/a><\/td>\n\"-white_check_mark-\"<\/td>\nThe bank routing number of the account.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
    \n <\/code-sample>\n<\/div>\n

    The response includes the action.type<\/code>: Direct<\/strong>.<\/p>\n

    \n <\/code-sample>\n<\/div>\n

    Recurring payments<\/h2>\n

    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.<\/p>\n

    You need to use the \/payments<\/a> endpoint to make recurring payments with the token<\/a>.<\/p>\n

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    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<\/a>.<\/p>\n

    Under the Direct Debit Guarantee<\/a>, if there is a change in the collection date or the amount, you must give the shopper advance notice of the payment.<\/p>\n<\/div><\/div>\n

    Create shopper token<\/h3>\n

    Tokenize the shopper's payment details<\/a> when you make the initial BACS Direct Debit payment.<\/p>\n

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    1. When you make a POST request to \/payments<\/a> to make a payment, additionally include:<\/li>\n<\/ol>\n