Let your customers based in the UK easily pay by authorizing you to debit their bank account via Upflow portals. Available for:Documentation Index
Fetch the complete documentation index at: https://docs.upflow.io/llms.txt
Use this file to discover all available pages before exploring further.
| Customer (payer) country | Presentment currency | Merchants (payee) country |
|---|---|---|
| UK | GBP | UK |
Eligibility requirement: BACS Direct Debit requires a UK legal entity tied to your Stripe account. This is a Stripe platform constraint for BACS DD eligibility — merchants without a UK legal entity cannot enable BACS DD, even if their customers are based in the UK.
What is BACS direct debit?
BACS (“Bankers Automated Clearing System”) is a UK payment network that enables bank-to-bank payments. It features two main modes for transferring the funds:- BACS Credit: your customer instructs their bank to send the money to yours. This is functionally similar to a wire transfer; customers “push” money to you.
- BACS Debit: you instruct your bank to debit the customer’s account after obtaining authorization. You “pull” the funds into your bank account.
Collecting payments via BACS direct debit
First, follow this short guide to make BACS Direct Debit available as a payment method for your customers in a few clicks. Triggering a direct debit over the BACS network involves 2 main steps:- your customer authorizes the debit by agreeing to a one-off or recurring mandate.
- the debit order is issued over the BACS network.
Step 1 - Debit mandate
Customer fill in bank details
Customer confirm bank details
Step 2 - triggering BACS debit
After your customer has confirmed the mandate, the BACS Debit is automatically triggered:- immediately when payment is confirmed in step 2 above.
- or according to the autopay schedule if no invoice is currently overdue.
Upflow confirm successful payment
Saved BACS debit bank details