Enabling Bacs (UK Direct Debit) in Fundraise Up

Enabling Bacs allows donors to connect directly to their UK bank accounts online and approve immediate bank-to-bank direct debit transfers.

This article will walk you through the needed steps to enable Bacs in Fundraise Up, including the steps in Stripe to ensure that transactions are processed and handled appropriately. Additionally, it will explain the donor experience when giving via Bacs on your public donation checkout.

Enabling Bacs in Stripe

In order for Bacs to work properly in Fundraise Up, it must be enabled in Stripe. 

  • Go to your Stripe dashboard,
  • Click Settings,
  • Scroll down and click Payment Methods,
  • Choose to enable Bacs.

Disable Stripe's Bacs Emails

Stripe has a series of emails to assist with account verification and payment confirmation, which are unnecessary if you're using our Bacs solution as we allow you to customize versions of those emails right from Fundraise Up. To disable Stripe's Bacs debit emails:

  • Go to your Stripe dashboard,
  • Click Settings,
  • Scroll down to "Business settings", and under "Your business", click Emails,
  • In the Customer emails section, toggle "Debit emails" off.

Failure to disable the Stripe Bacs email set will result in the donor receiving two sets of emails that will contain differing content.

Set your Statement Descriptor in Fundraise Up

To continue preparing to enable Bacs, you must set your Statement Descriptor in Fundraise Up to ensure that your charges are listed consistently on your donors' bank statements. To do so:

  • Go to the Fundraise Up dashboard,
  • Click your name in the top right, and choose Settings from the dropdown menu,
  • Click Account in the left hand menu,
  • Scroll down and ensure that Statement Descriptor is set to something; if you have made any changes, hit Save Changes to ensure they are saved.

Enable Bacs in Fundraise Up

If your Fundraise Up account is connected to a UK Stripe account, the Payment Options screen will provide options for the enabling of Bacs. You can enable Bacs by following these steps:

  • Go to the Fundraise Up dashboard,
  • Click your name in the top right, and choose Settings from the dropdown menu,
  • Click Payment Options in the left hand menu,
  • Click Enable for Bacs (UK Direct Debit),
  • Confirm that you've done the following, as instructed on the setup screen and as covered above:
    • disabled Stripe's default Bacs emails,
    • enabled Bacs within Stripe,
    • and set your Statement Descriptor on the Account page of Settings.
  • Click the Enable Bacs button to start allowing donors with UK bank accounts to donate directly from those bank accounts using your Fundraise Up forms!

Review how your donors will pay with Bacs

Bacs is only offered on Campaigns where Mailing Address is enabled; it does not need to be required for all donors, merely enabled, as our checkout will sensibly require Mailing Address only of donors for which it's necessary (e.g. if they are paying via Bacs, if they made a Gift Aid declaration).

When a donor gets to the Payment Options screen of checkout, as long as their donation is:

  • 2 GBP or higher (which most donations will be, as the default Campaign minimum amount for one-time and recurring donations is 5 GBP)
  • and the Campaign has Mailing Address enabled,

they'll be provided a Direct Debit button with the Bacs logo.

If they click the button to pay via Bacs, they'll be taken to a screen where they can provide their Sort Code and Account Number.

Screen Shot 2021-10-08 at 11.32.50 AM
This experience is mirrored in Virtual Terminal; for donations made in GBP and for which Mailing Address has been provided, you can select Bank Account as the payment method and provide the donor's Sort Code and Account Number to instantiate their payment via Bacs.

Payment processor fees on Bacs donations are 1%, starting at 20p and capped at £2.00

Customize Confirmation and Verification Emails

When donors make Bacs donations, they'll by default receive some of the Email Templates you can manage and customize from your Fundraise Up account, centrally from the Email Templates screen of Settings, and on a per-Campaign basis using the controls in each Campaign's Emails tab. 

Donors giving via Bacs will first receive their "Confirmation of Bacs Agreement" email showing the details of the bank payment mandate they approved while donating.

The "Confirmation of Bacs Agreement" email template specifically includes legal text (sourced from Stripe) below their agreement, outlining what the donor is entitled to with regards to their Bacs payment. To see this text, go to the Email Templates page of Settings, open the editor for that template, and click the Preview button in its row.

Donors will only receive the applicable "Receipt" email templates once their Donation succeeds, which can only be done once Stripe lets Fundraise Up know that the Donation is past the window where Stripe would have been sent (and passed along) any notifications of payment failure.

So, for new Donations and first Donations of Recurring Plans, receiving the applicable "Receipt" email can take up to 8 business days. For subsequent installments of Recurring Plans, receiving the "Recurring Installment Receipt" email can take up to 5 business days, shorter because the initial authorization was already done.