Overview

If your business operates in the UK and you want to offer BACS Direct Debit as a payment method through Stripe, this article will guide you through the steps. Enabling BACS expands your payment options for GBP transactions and enhances your customer experience with a trusted local payment method.

Step-by-Step Setup

1. Activate BACS in Stripe

To begin accepting BACS payments, you need to enable the option in your Stripe account:

• Go to your Stripe Dashboard

• Click on Settings

• Navigate to Payment Methods

• In the Bank Debits section, turn on the BACS Direct Debit option
  

⚠️ Note: BACS Direct Debit is available only for GBP transactions.

2. Enable eCheck in Salesforce

Once enabled in Stripe, configure your Salesforce settings to recognize BACS payments:

• Go to Salesforce

• Open the Payment Center Setting tab

• Select the Stripe processor

• Check the eCheck box to allow BACS payment processing
  

3. Currency-Specific Payment Methods

Stripe offers different Direct Debit options depending on the currency:

• GBP - BACS Direct Debit
  

• EUR - SEPA Direct Debit
  

• USD - ACH Direct Debit
  

• Other Currencies – Not supported

Understanding the Payment Flow

Once a BACS payment is initiated, a Payment record is created with the following details:

• Status: Pending Settlement

• Bank Account Type: bacs debit

Once the payment is settled, the Invoice status will automatically update to Paid.

Saved Bank Details Format

When a customer saves their BACS payment information, the system will display:

• Name – Bank Account: XXXXXX9999

• Profile Type – eCheck

• Bank Account Type – bacs debit

• Payment Method ID – starts with pm_
  
  

Where BACS Payments Apply

This payment method can be used in the following areas:

• Online Page

• Payment Terminal

• Create Payment Profile

• Create Payment Profile Terminal

UI and Settings Behavior (Stripe Integration)

Address Element and Publishable Key

After the update:

• The Address element is available only with a modern publishable key

• If using an old publishable key (pk_0Gw...) and:

  • Require Billing Address = true, or

  • Require Billing Address For eCheck = true,
    → an error will be displayed on the payment or terminal screen.
    

  

To resolve this, customers must update their publishable key.

Recurring Invoice Behavior

When Use Payment Profile On Recurring = false, the Create Recurring Invoice screen will adjust based on the payment method:

• Credit Card – Form displays applicable fields based on billing address settings
  

• eCheck – Will follow the same currency-based rules outlined above
  

Credit Card Form Behavior

• If Require Billing Address = false:
  Only the following fields are shown:
  Card Number, Expiration Date, Security Code, Country, and ZIP Code
  
  

• If Require Billing Address = true:
  Name and Address fields will be visible
  Phone Number will also be shown only if billing address is enabled

• CVV is always required
  

eCheck Form Behavior

• The eCheck screen adjusts based on currency set in Payment Center Settings:

  
   

• GBP → BACS

• EUR → SEPA (SEPA Direct Debit flag field is no longer used)

• USD → ACH Direct Debit

• Others → ❌ Error displayed
  

• BACS (GBP) and SEPA (EUR):
  Billing address is always required
  - The "Require Billing Address for eCheck" flag only applies to Direct Debit (USD)

• Phone Number is shown only for Direct Debit (USD) if billing address is enabled

Availability: Spring '25