Direct Bank Transfer (BACS)

Direct Bank Transfer, which might also be referred to as Bank Account Clearing System (BACS), is a payment method that lets your customers pay you directly via their bank account. This is an offline payment method, meaning that the payment process is manual and happens outside your WooCommerce powered store.

It’s important to be clear that when a customer chooses to pay with Direct Bank Transfer, it is up to them to initiate this payment via their bank. The order is set to “On hold” in WooCommerce, as you the store owner must check your bank account for this incoming deposit before processing their order. It’s essential to verify that you’ve been paid, and the transaction has cleared and is in your account before shipping an order and marking it as Processing or Completed. For more information, see Managing Orders.

Follow the steps below to activate and setup Direct Bank Transfer (BACS) on your store:

1. Go to: WooCommerce > Settings > Payments.
2. Toggle the status to Enabled for Direct Bank Transfer.
3. Select Finish setup to access the Direct Bank Transfer (BACS) settings.

3. Configure your Direct Bank Transfer settings:
   • Enable/Disable – Enable to use. Disable to turn off.
   • Title – Choose the title shown to customers during checkout
   • Description – Add info shown to customers if they choose Direct Bank Transfer
   • Instructions – Explain how to make payment to your bank account(s)
   • Account Details –  Enter account name and number, bank name, routing number, IBAN and/or SWIFT/BIC numbers shown to customers on the Order Received page and in Order emails after checking out
4. Select Save changes.

Bank account details will show on both the Order Received page and the order email sent to the customer:

If a customer has chosen Direct Bank Transfer (BACS) for payment and you, as the merchant, have not received the funds within the expected timeframe, here’s what you can do:

1. Initiate contact with the customer: Inquire whether they have initiated the bank transfer. If they confirm that the transfer is underway, request a transaction reference number to help track the payment.
2. Reach out to your banking institution to inquire about the status of the incoming payment. Give them the reference number provided by your customer, if available.
   
   It is important to note that WooPayments does not possess the capability to interface with the BACS processing system. Consequently, the WooPayments support staff cannot aid in tracing BACS payments that have not been received. It is upon merchants to directly engage with their customers and banking institution to resolve any payment discrepancies.

Do you still have questions and need assistance? 

• If you’re looking to extend the core functionality shown here, we recommend reviewing available extensions in the WooCommerce Marketplace.
• Need ongoing advanced support or a customization built for WooCommerce? Hire a Woo Agency Partner.
• Are you a developer building your own WooCommerce integration or extension? Check our Developer Resources.

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