# Retain Customers with Fallbacks

Source: https://docs.gocardless.com/docs/optimise/retain-customers-with-fallbacks

# Retain customers with Fallbacks

> **Warning:**
> **Fallbacks** should not be used if you are using
>   [Protect+](/docs/optimise/prevent-fraud-with-protect-plus) with Verified Mandates.

Some customers may not be able to authorise the open banking transaction in the [Billing Request Flow](/docs/api-reference/billing-request-flow#create-a-billing-request-flow). A few reasons this can happen include but are not limited to, being unable to use their mobile, not being set up with online banking, or a transient issue with their bank's open banking API.

To enable these customers to still complete the Billing Request via Direct Debit, create the Billing Request with the `fallback_enabled` parameter set to `true`.

## Create a Billing Request with Fallback Enabled

> **Info:**
> The option to pay via Direct Debit will only be shown if either the customer is unable to find
>   their banking institution in the select institution step, or there was some failure when they
>   attempt to authorise through their bank.

[Create a Billing Request](/docs/api-reference/billing-request#create-a-billing-request) with the `fallback_enabled` parameter to `true`:

```json
POST /billing_requests
,
    "fallback_enabled": true
  }
}
```

This will create a new Billing Request with the fallback option enabled. The response will look like this:

```json

    },
    "metadata": null,
    "links": ,
    "creditor_name": "Mr Creditor",
    "actions": [
      ,
      
        }
      },
      ,
      ,
      
    ],
    "resources": 
      },
      "customer_billing_detail": 
    },
    "fallback_enabled": true,
    "fallback_occurred": false
  }
}
```

Customers attempting to complete this billing request will now have the option to complete it via Direct Debit, in the case that they cannot complete the regular open banking flow.

### The customer sees Continue payment using Direct Debit button

This button is shown in two cases

1. Select Institution Screen
2. Bank Authorisation Failure

#### Select Institution screen

Customers will see an option to continue using Direct Debit when they search for their bank but can't find it.

![Billing Requests: Fallbacks - Select Institution screen](https://images.ctfassets.net/b2dmfxhmyqno/22FoJXeKED3Ze7vKnejS7J/2bee6bd61faea515c4bf14bcaa307563/select_institution_screen.png)

#### Bank Authorisation Failure

The action is also shown in case of bank authorisation failure. To replicate this in the sandbox environment, you can select

![Billing Requests: Fallbacks - Select Fallback Institution screen](https://images.ctfassets.net/b2dmfxhmyqno/5X0lOzLYIrlq7FIrgMzoba/4432f5dd17e165ef25b8e51281555281/select_fallback_institution.png)

Then you will proceed to the Bank Authorisation screen with the option to Continue Payment using Direct Debit.

![Billing Requests: Fallbacks - Bank Authorisation Failure Screen](https://images.ctfassets.net/b2dmfxhmyqno/7efEIJJa7WsfE10uvvsyZS/eb87dfaad9ff645b3ae7ab208fa72b8e/bank_authorisation_failure.png)

If the customer continues using Direct Debit, they will be shown the Collect Customer Details page in case if an address was not collected earlier. This is required for Direct Debit.

![Billing Requests: Fallbacks - Collect Customer Details Screen](https://images.ctfassets.net/b2dmfxhmyqno/1S8CopTXYJ5nntYwUHAmmJ/9b0efcb7c78c744c51f87c18d1a4f4eb/collect_customer_details.png)

Once the customer fills and confirms the details, they'll be shown the success screen confirming that Direct Debit has been set up and payment will be collected as soon as possible.

![Billing Requests: Fallbacks - Confirm Details Screen](https://images.ctfassets.net/b2dmfxhmyqno/4VmSGj5pfqjhezaP6LlJ9Q/6a08ca696c5630db33e800e59ecf752b/confirm_details.png)

![Billing Requests: Fallbacks - Direct Debit Setup Success Screen](https://images.ctfassets.net/b2dmfxhmyqno/3x7iq0YQHu1NAOCIDRXmoj/cd9d27b7245aa6afd885392c472e2679/direct_debit_setup.png)

Once the fallback occurs, then the `fallback_occurred` the parameter will be set to `true`.

## What's next?

  
#### [Protect+](/docs/optimise/prevent-fraud-with-protect-plus)

Learn how Protect+ uses payment intelligence to detect and prevent fraudulent payers.

  
#### [Billing Requests](/docs/api-reference/billing-request)

Explore the full Billing Requests API reference to build and customise your payment flows.