BACS

The Paysafe Payments API supports BACS as a Payment Instrument. You can process BACS payments using the Payments API.

When you want to process a BACS Payment for a new Customer, you would do the following:

1. Create a new customer using the merchantCustomerId and other details.

2. Create a multi-use Payment Handle for the customer using the customer's bank account details and with the paymentType parameter set to BACS.

3. Multi-use payment handle token gets created in PAYABLE status.

4. Add a mandate to the multi-use paymentHandle returned in response.

   1. You can add multiple mandates to a multi-use payment handle. Mandate is added to the multi-use payment handle after mandate reference number validations. Mandate reference, mandate id, mandate status (PENDING) is returned in response.

5. The mandate becomes ACTIVE after seven days

6. Use the multi-use paymentHandleToken to process the Payment once the mandate is ACTIVE – the settleWithAuth parameter must be set to true in this case.

7. The payment gets successful only in the below cases:

   • At least one mandate should be added to the Payment handle, and it should be in a ACTIVE state.
   • If there are multiple Mandates in the ACTIVE state, you should pass the mandate Id in the payment request; else, the payment will fail.

8. The Payment will be created in COMPLETED status and a settlement resource will be created in PENDING. The respective webhook notification will be sent to the merchant.

9. The settlement will be batched in the next batch. After settlement gets batched, it will be set to COMPLETED, and the respective webhook will be sent to the merchant.

When the merchant wants to process a BACS payment request for a new customer, you would do the following:

1. Create a multi-use Payment Handle for the customer using the customer's bank account details and with the paymentType parameter set to BACS.

2. Multi-use payment handle token gets created in PAYABLE status.

3. Add a mandate to the multi-use paymentHandleToken returned in response.

   1. You can add multiple mandates to a multi-use payment handle. Mandate is added to the multi-use payment handle after mandate reference number validations. Mandate reference, mandate id, mandate status (PENDING) is returned in response.

4. The mandate becomes ACTIVE after seven days

5. Use the multi-use paymentHandleToken to process the Payment request – the settleWithAuth parameter must be set to true in this case.

6. The payment gets successful only in the below cases:

   1. At least one mandate should be added to the Payment handle, and it should be in a ACTIVE state.
   2. If there are multiple Mandates in the ACTIVE state, you should pass the mandate Id in the payment request; else, the payment will fail.

7. The Payment will be created in COMPLETED status and a settlement resource will be created in PENDING. The respective webhook notification will be sent to the merchant.

8. The settlement will be batched in the next batch. After settlement gets batched, it will be set to COMPLETED, and the respective webhook will be sent to the merchant.

1. Create a new customer using the merchantCustomerId and other details.

2. Create a multi-use Payment Handle for the customer using the customer's bank account details and with the paymentType parameter set to BACS.

3. Multi-use payment handle token gets created in PAYABLE status.

4. Use the multi-use paymentHandleToken returned in response to process the Standalone Credit request.

5. The Standalone Credit status is in PENDING, and respective webhook notification will be sent to the merchant. Once the Standalone Credit gets batched, it will be set to COMPLETED, and the respective webhook will be sent to the merchant.

1. Create a multi-use Payment Handle for the customer using the customer's bank account details and with the paymentType parameter set to BACS.

2. Multi-use payment handle token gets created in PAYABLE status.

3. Use the multi-use paymentHandleToken returned in response to process the Standalone Credit request.

4. The Standalone Credit status is in PENDING, and respective webhook notification will be sent to the merchant. Once the Standalone Credit gets batched, it will be set to COMPLETED, and the respective webhook will be sent to the merchant.