Instant bank pay (IBP) one-off notification requirements (UK)
Please note: Please note: The Instant Bank Pay feature is currently available for all merchants based in UK, US, Canada, EEA, Australia, and New Zealand who are collecting GBP payments from customers in the UK.
Please register your interest here if you'd like to be notified when Instant Bank Pay is available in your region.
The following is a guide to building Custom Notifications for merchants using GoCardless Advanced or GoCardless Pro, and for partners, using the add-on feature Custom Checkout Experience. See our Pricing page for more details.
Once your customers have provided consent to a payment agreement, allowing you to collect an IBP one-off payment, there is 1 type of notification that your customers should then receive:
- Successful payment (optional if you have already displayed this information to the payer via your payment pages)
Merchants using GoCardless Advanced or GoCardless Pro have the option to use GoCardless’ own notifications, or to create their own custom notifications.
Partners can opt to create custom notifications as well. This will enable merchants who are using GoCardless through their app to offer their customers (consumers) a consistent branding experience.
Please note: Before designing and sending custom notifications, you should be aware that there are compliance requirements for the content and formatting of these notifications. Once ready, custom notifications have to receive a sign off by GoCardless, and you could be asked to remove or amend any part of the signed off notifications at any time if notified to do so.
How to build custom notifications
There are 4 steps to ensure compliance with the Faster Payment System scheme rules and GoCardless processes:
- Create your successful payment notification
- Include GoCardless’ regulatory footer
- Additional steps for partners
- Submit successful payment notification to GoCardless for approval
1. Successful payment notification
This confirms to the payer that the payment was successful. This is optional because you can choose to display this information on a success screen instead - see our IBP one-off Custom Payment Page guidance for more information.
| Requirement |
Detailed explanation |
Our recommendation |
|
Information related to successful payment |
You should inform the payer that a payment was successful and provide them with these details about the payment:
|
“Your payment of £[amount] to [payee - your legal / trading name] was successfully submitted to your bank. The payment was for [description], with payment reference [reference]. Payments to UK banks are normally instant, but may take up to 24 hours or longer in some cases.” |
2. Regulatory footer
| Requirement |
Detailed explanation |
Our recommendation |
|
Regulatory footer & privacy notice |
When sending custom notifications, you should include a footer to let consumers know how GoCardless’ service is provided and how data is controlled |
“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.” |
3. Additional steps for partners
Partners can use the creditors endpoint to retrieve the relevant merchant information (such as legal / trading name) required for the successful payment notification.
4. GoCardless’ approval process
Your notifications must be sent to GoCardless for approval prior to your go-live date. Once you have written approval from GoCardless, GoCardless will disable all payer emails on your account and you may implement the notifications. More information can be found below and here.
Merchants:
You must submit your notifications to GoCardless through our Support Centre.
Partners:
You must submit your notifications to GoCardless for approval through our Partner Portal.
Summary table
The below shows a summary of the relevant information for your IBP one-off custom notifications:
|
SUCCESSFUL PAYMENT |
|
|
Payer’s first name |
Displayed (optional) |
|
Payer’s last name |
Displayed (optional) |
|
Your legal name (and trading name if different to your legal name) |
Displayed (optional) |
|
Payment amount and currency |
Displayed |
|
Payment reference |
Displayed |
|
Regulatory status disclosure |
Displayed |
|
Privacy notice |
Displayed |