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Bacs Direct Debit (UK)

Country: United Kingdom (GB)  |  Payment Rail: bank_network

DirectDebit Market Adoption: 85%

Bacs Direct Debit is Pay.UK's official automated bank account pull clearing system powering SaaS subscription billing in the UK.

🔄 User Payment Flow

  1. Customer selects Bacs Direct Debit at checkout
  2. Customer enters UK bank sort code and account number, agreeing to Bacs Direct Debit Guarantee mandate
  3. Merchant bank lodges Bacs instruction with customer's UK bank
  4. Funds are debited within 3 working days and recurring subscription mandate is activated

⚙️ Characteristics & Settlement

Instant PaymentNO
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API passes Bacs mandate payload to acquiring gateway (GoCardless / Stripe / Adyen)
  • PSP lodges Bacs instruction and manages clearing cycle
  • PSP receives Bacs AUDDIS clearing callback and confirms order status