Bacs custom payment pages

The following is a guide to building custom payment pages for customers on GoCardless Advanced or GoCardless Pro and for partners, using the add-on feature Custom checkout experience and payer notifications.

Payers in the UK need to complete a Direct Debit Instruction (DDI), also known as a mandate, to authorise merchants to take payments from them via Bacs, the local Direct Debit payment scheme.

Customers on GoCardless Advanced or GoCardless Pro have the option to use GoCardless’ own payment pages, or to build their own custom payment pages by using our Custom checkout experience and payer notifications add-on feature. Please note there is an additional “add-on” monthly fee called Custom checkout experience and payer notifications.

Partners can opt to build and use custom payment pages as well. This will enable merchants who are using GoCardless through their app to offer their payers a consistent branding experience.

How to build custom payment pages 

There are 5 steps to ensure compliance with the Bacs scheme rules and GoCardless processes:

1. Compulsory Requirements

2. Recommended features

3. Additional steps for Partners

4. Summary table

The steps outlined below are a requirement of the Bacs scheme in order for your custom payment pages to be compliant. The recommended features are in addition to the compulsory requirements and we strongly recommend using these.

1. HTTPS hosted payment pages

To ensure payers’ details are safely transmitted, your website must be configured to only accept secure (SSL - minimum of SHA-256 SSL support TLS.1 or TLS1.2) connections.

2. Information entry page

This is the sign-up page for your product / services, and is used to capture the payer information necessary to set up a mandate.

There are 5* compulsory elements to this page:

Page heading that is identifiable to payers	We recommend ‘Set up a Direct Debit with [merchant name]’
Entry points to collect payer details	Account holder name Account number Sort code Email address. You are not required to collect email address if (1) you have previously collected it, or (2) you are using custom payment notifications and are notifying payers via post rather than email. Billing address. You are not required to collect billing address if you have previously collected it.
Confirm that the person entering into the transaction is the only person required to authorise debits from the account i.e., whether or not the account is dual signature.	Include a checkbox with text to read ‘More than one person is required to authorise Direct Debits’. If a payer ticks the checkbox, you will need to advise them whether or not you support dual signature accounts - see recommended section below. *Please note: You can choose to place this element on the Summary and Confirmation page instead. The requirement can be on either page.
Page footer to let payers know how GoCardless’ service is provided, and about 3rd party data controllers that power your website	Text to read ‘Payments securely processed by GoCardless. GoCardless Ltd (company registration number 07495895) is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, registration number 597190, for the provision of payment services.  GoCardless uses personal data as described in their Privacy Notice.'
The Direct Debit Guarantee	You must include or link to the full text of the Direct Debit Guarantee, and Direct Debit logo, as shown below. You can read more about the Direct Debit Guarantee here. In place of the boxes currently reading 'GoCardless', this text should read your SUN name i.e., 'GC Re + [text you have chosen to appear on payers' bank statements]'. In addition to this, please ensure you use the correct number of days advance notice - i.e., 3 days.

The footer is a requirement, as this upfront notice ensures compliance with regulatory requirements and data protection law. GoCardless, our merchants, and our partners could be in violation of this law if the notice is not included. You can read more here.

If the suggested footer isn’t technically possible, at a minimum you must include the following reference to GoCardless in your website privacy notice:

We use GoCardless to process your Direct Debit payments. More information on how GoCardless processes your payments, personal data and your data protection rights, including your right to object, is available at gocardless.com/legal/privacy/

3. Summary and confirmation page

This page enables payers to view and verify their details before submitting them. 

There are 5* compulsory elements:

Page heading that is identifiable to payers.	We recommend ‘Check your details are correct’
Payer account details as collected in the information entry page	Account name, account number, and sort code
Creditor / merchant information	This includes the merchant name, merchant's phone number and/or email address and the name that will appear on payers' bank statements
Advice of right to cancel	Text to read ‘You may cancel this Direct Debit at any time by contacting [Merchant Name] or your bank.’
Confirm that the person entering into the transaction is the only person required to authorise debits from the account i.e., whether or not the account is dual signature.	Include a checkbox with text to read ‘More than one person is required to authorise Direct Debits’. If a payer ticks the checkbox, you will need to advise them whether or not you support dual signature accounts - see recommended section below. *Please note: You can choose to place this element on the Information entry page instead. The requirement can be on either page.

4. Setup success page

This page confirms to the payer that the mandate has been set up.

You must include both of the following:

1. Page heading that is identifiable to payers, i.e., message to confirm Direct Debit setup, such as “Direct Debit set up successfully”

2. Confirmation that the payer will receive notification (via email or post) within 3 business days confirming that the mandate has been set up

5. GoCardless approval of payment pages

Example templates of your payment pages must be sent to GoCardless for approval prior to your go-live date. Once you have written approval from GoCardless, you may implement the payment pages. 

To test your payment pages, you can sign up here for a sandbox account.

Recommended features

Listed below are recommended features for your custom payment pages. These are recommended additions to the steps outlined in the Compulsory Requirements section.

Information entry page

While it is a requirement to confirm whether or not a bank account is dual signature, it is not a requirement to subsequently allow sign ups from dual signature accounts.

You may choose to accept sign ups from individual signature accounts only, but we recommend enabling signups from dual signature accounts as well, to enable all of your payers to pay via GoCardless. 

If you choose to support dual signature accounts, you’ll need to follow the process here under the heading ‘Completing and returning dual signature mandates via Custom Payment Pages’.

Summary and confirmation page

Include an ‘edit’ button, allowing payers to amend any incorrect information.

We recommend you include the page footer to let payers know how GoCardless’ service is provided, and about 3rd party data controllers that power your website, on each of your payment pages (not just the information entry page). Text to read ‘Payments securely processed by GoCardless. GoCardless Ltd (company registration number 07495895) is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, registration number 597190, for the provision of payment services. GoCardless uses personal data as described in their Privacy Notice.’

Setup success page

We recommend you include the page footer to let payers know how GoCardless’ service is provided, and about 3rd party data controllers that power your website, on each of your payment pages (not just the information entry page). Text to read ‘Payments securely processed by GoCardless. GoCardless Ltd (company registration number 07495895) is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, registration number 597190, for the provision of payment services. GoCardless uses personal data as described in their Privacy Notice.’

Additional steps for Partners 

Information entry page

You must include the above ‘Payments by’ notice on your payment pages, or at minimum, enable the merchant to provide a link to their privacy notice at the information entry page.

Partners can make a GET request to the creditors endpoint to pull the creditor/merchant information cited in points 1 and 5.

Summary and confirmation page

Partners can make a GET request to the creditors endpoint to pull the creditor/merchant information cited in points 3 and 4.

Query the API to retrieve the following:

• Merchant name - [name]

• Merchant phone number - [scheme_identifiers: phone_number]

• Merchant email address - [scheme_identifiers: email]

• Name that will appear on payers’ bank statements - [scheme_identifiers: name]

GoCardless approval of payment pages

When creating a new partner app and going through our technical certification process, you’ll be able to submit custom payment pages for approval through our partner portal.

Summary table

The below shows a summary of the relevant information at each stage of the payment pages.

All information is required unless specified otherwise.

	INFORMATION ENTRY PAGE	SUMMARY & CONFIRMATION PAGE	SETUP SUCCESS PAGE
Page heading that is identifiable to payers	Displayed	Displayed	Displayed
Account holder name	Captured	Displayed
Email address	Captured
Billing address	Captured
Bank account number	Captured	Displayed
Sort code	Captured	Displayed
Confirm whether or not the payer's bank account is dual signature	Captured (On the Information Entry Page  or  the Summary and Confirmation Page)
Dual signature account sign up functionality	Recommended
Page footer to let payers know how GoCardless’ service is provided, and about 3rd party data controllers that power your website	Displayed	Recommended	Recommended
Edit button allowing payers to amend their details		Recommended
Merchant name		Displayed
Merchant phone number and/or email address		Displayed
Name that will appear on payers’ bank statements		Displayed
Advice of right to cancel Direct Debit		Displayed
Direct Debit Guarantee	Displayed
Direct Debit logo	Displayed
Advice that payer will receive notification (via email or post) within 3 business days confirming mandate set up			Displayed