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Open Banking via GoCardless 

This feature is a Private Beta Release. Contact support  to enable Open Banking payment methods via GoCardless for your Test and Live site.

Chargebee now supports the following payment methods for instant payments via Open Banking:

Payment Method Country Currency
PayTo Australia (AU) Australian Dollars (AUD)
SEPA Instant Transfer Germany (DE) EURO (EUR)
Faster Payments United Kingdom (UK) Great Britain Pound (GBP)

These payment methods are crafted to work harmoniously with traditional bank debit systems by leveraging Open Banking. Open Banking allows users to securely connect their bank accounts to third-party applications like GoCardless, enabling seamless initiation and management of payments directly from their bank accounts.

These bank-to-bank transactions provide immediate confirmation, ensuring enhanced transparency for you and your customers. While Direct Debit can be used for all recurring payments, Instant Bank Pay serves as the best and fastest option for your one-time payment for the first time. Learn more 

Information

All Merchant-Initiated Transactions (MIT) for SEPA Instant Transfer and Faster Payments will be routed through SEPA and BACS respectively. Additionally, both Merchant-Initiated and Customer-Initiated Transactions for PayTo will be exclusively conducted within the PayTo platform.

Integration Options 

You can integrate the payment methods via GoCardless using the following integration methods:

Configuring Open Banking Payment Methods via GoCardless in your Chargebee Site 

Before moving ahead with the configuration, make sure you have PayTo, SEPA Instant Transfer, and Faster Payments enabled for your Chargebee site. Contact Chargebee Support  to get it enabled in case you haven't enabled it yet.

Follow these steps to configure Faster Payments, PayTo, and SEPA Instant Transfer for GoCardless:

  1. Login to your Chargebee site .

  2. Go to Settings > Configure Chargebee > Payment Gateways.

  3. Click GoCardless from the list of added gateways. If you haven't added and configured the GoCardless payment gateway, click here  to learn more.

  4. Enable the required payment method for Open Banking based on your region.

  5. Click Apply to save the changes.

Note
  • You can enable Faster Payments only if BACS Direct Debit (GBP) is enabled.
  • You can enable SEPA Instant Transfer only if SEPA (EUR) is enabled.

Payment Flow 

Chargebee supports two types of payment and checkout flows for instant payments via GoCardless:

  • GoCardless Hosted Pages (also known as GoCardless Redirection Flow): In this flow, your customers use the Chargebee checkout initially, but after fetching the basic details (check the info box below for a list of fields), they are redirected to GoCardless Hosted Pages in an iFrame (a page loaded within the current page) where the checkout process including the bank authorization is completed.
  • Chargebee Hosted Checkout: In this flow, your customers complete the entire checkout process within Chargebee's hosted checkout using GoCardless APIs.
Information

In the GoCardless Redirection Flow, basic details refer to First name, Last name, Email, and Billing Address fields. This flow does not require the banking account details.

Let us look at the payment flow for each of these flows:

GoCardless Hosted Pages Flow 

  • Your customer initiates the checkout and enters the basic details like First Name, Last Name, Billing Address, etc.
  • Chargebee creates a Billing Request  by prefilling the above-fetched details along with the plan amount, currency, etc.
  • Using the BillingRequest ID, a Billing Request Flow object is created i.e. the GoCardless Hosted Pages object.
  • Then, the GoCardless Hosted pages redirect URL is loaded in an iFrame and the payment is processed at the GoCardless end.
  • Once the bank authorization redirection is over, your customer is redirected to Chargebee where the status of the payment is checked and the transaction status is updated accordingly in Chargebee.
  • The transaction is settled instantly in the same session or via webhooks mostly on the same day.

Chargebee Hosted Checkout Flow 

  • Your customer initiates the checkout and enters the basic details like First Name, Last Name, Billing Address, etc.
  • In the case of FasterPayments, they select the Bank from the drop-down which contains the list of supported banks. Bank selection is not applicable for PayTo.
  • Chargebee then creates a Billing Request  by prefilling the above-fetched details along with the plan amount, currency, and so on.
  • Once the Billing Request is filled with all required details, Chargebee creates a Bank Auth  object at GoCardless which will authorize the payment at the selected bank's end.
  • Once the bank authorization redirection is over, they are redirected to Chargebee where the status of the payment is checked and the transaction status is updated accordingly in Chargebee.
  • The transaction is settled instantly in the same session or via webhooks mostly on the same day.

Checkout Flow 

Let us look at the checkout flow for Faster Payments and PayTo for the Chargebee Hosted Checkout  flow and for SEPA Instant Transfer for the GoCardless Redirection Flow:

Faster Payments 

Your customers perform the following steps for checkout using Faster Payments:

  1. Initiate the checkout and click Proceed To Checkout on the Your Order page after confirming the plan details.

  2. Enter the email address and click Next.

  3. Enter the one-time password received on the email entered in the previous step and click Next.

  4. Enter the First name, Last name, and Email and click Next.

  5. Add the billing address and click Next.

  6. Select Faster Payments as the payment method.

  7. Add the bank account details by selecting the bank account from the Bank drop-down menu and adding other required details. Click Proceed to Review.

  8. Review the displayed information and click Next.

  9. Review the plan, account, billing and payment details. Check the relevant boxes at the bottom and click Pay & Subscribe .

  10. They will be redirected to the bank website. They must log in to their bank account, select the account type (current or savings), and approve the transaction.

  11. Once approved, they will be redirected to Chargebee's checkout. If the transaction is successful at GoCardless , the order is confirmed at Chargebee.

PayTo 

Your customers perform the following steps for checkout using PayTo:

  1. Initiate the checkout and select PayTo as the payment method.

  2. Add bank account details such as BSB Number and Account Number, and click Proceed to Review.

  3. Review the displayed information and click Next.

  4. Review the plan, account, billing and payment details. Check the required boxes at the bottom and click Pay & Subscribe .

  5. The Complete your order page appears with a timer to complete the transaction in your banking application.

  6. They will receive a push notification in the banking application. Complete the transaction in the app and go back to Chargebee.

  7. Once the payment is successful, the order is confirmed and a subscription is created in the background.

SEPA Instant Transfer 

Your customers perform the following steps for checkout using SEPA Instant Transfer:

  1. Initiate the checkout and select SEPA Instant Transfer as the payment method.

  2. Add bank account details by selecting the bank account from the Bank drop-down menu and adding other required details. Click Proceed to Review.

  3. Review the displayed information and click Next.

  4. Review the plan, account, billing and payment details. Check the required boxes at the bottom and click Pay & Subscribe .

  5. They will be redirected to your bank website. They must log in to the respective bank account, select the account type (current or savings), and approve the transaction.

  6. Once approved, they will be redirected to Chargebee's checkout. If the transaction is successful at GoCardless, the order is confirmed at Chargebee.

Supported Tokens 

This integration supports the following tokens in the mentioned format:

Payment Source

Token

Passed Data

Parameter Format

 Faster Payments

REFERENCE ID

CustomerID/MandateID

payment_method[reference_id]

NOTE: If the token is used only to add a Payment method without attempting a payment, BACS should be used as the payment source type.

CHARGEBEE PAYMENT INTENT ID

Chargebee Payment Intent ID

payment_intent[id]

 Sepa Instant Transfer

REFERENCE ID

CustomerID/MandateID

payment_method[reference_id]

NOTE: If the token is used only to add a Payment method without attempting a payment, SEPA should be used as the payment source type.

CHARGEBEE PAYMENT INTENT ID

Chargebee Payment Intent ID

payment_intent[id]

  PayTo

REFERENCE ID

CustomerID/MandateID

payment_method[reference_id] 

CHARGEBEE PAYMENT INTENT ID

Chargebee Payment Intent ID

payment_intent[id]

Adding or Updating Payment Method for a Customer 

You can add or update the Open Banking payment methods for your customer in the following ways:

  • Using Customer Portal: Only PayTo and Faster Payments can be added as payment methods using the Customer Portal.
  • During Checkout: All three payment methods can be added during checkout. As shown in the checkout flow, when your customer fills through the Checkout flow and checks the box at the end for vaulting (storing or saving) the payment method for future use, it automatically gets saved for that customer.

Configure Email Notifications 

It is recommended to send email notifications  for payments done using all Open Banking payment methods. In this process, you need to set up and enable the following email notifications:

  • Mandate Creation
  • Payment pre-notification

Follow the steps below to navigate to these notifications:

  1. Go to Settings > Configure Chargebee > Email Notifications.
  2. Select the Payments and Credits category.
    Both notifications will be available there. You can edit the template as per your requirements.

Limitation 

SEPA Instant Transfer does not support refunds.

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