Take control of financial risk and bidder intent without creating friction for genuine buyers.

Running auctions in high-value verticals means trust and financial control are essential. Whether you’re auctioning plant machinery, vehicles, property, salvage, luxury goods, or fine art, BidHarvest® provides a secure, flexible way to manage bidder deposits and automate payments, minimising admin and maximising engagement.

Collect Deposits with Confidence

BidHarvest® lets you collect pre-bidding deposits from buyers with flexible, rule-based configurations:

• At registration: Require deposits for account approval or to bid in certain auctions.
• Per auction: Enable deposits on selected sales or events.
• First bid intent: Trigger a deposit request when bidding starts.
• Lot level: Set deposit thresholds per lot for high-ticket or sensitive items.

Deposits can be taken via:

• Card payments (Visa, Mastercard, Amex)
• Bank transfer
• Open banking (via Stripe integrations)

These methods integrate with Stripe, Opayo, and other gateways for secure, fast, and reconciled deposits.

Custom Payment Logic

You decide how deposits are handled:

• Authorisation Only: Block an amount without taking funds until needed.
• Capture on Demand: Take funds when a bidder wins or defaults.
• Immediate Payment: Take full payment upfront.
• Contra/Offset: Apply the deposit to the final invoice.
• Tokenised Storage: Store card details securely for auto settlement.

All transactions are logged in the bidder’s profile, with simple refund management.

Full Audit Trail & Reconciliation

Each deposit is recorded in your bidder ledger:

• View deposit status: pending, authorised, captured, refunded, or contra’d.
• Export reports for finance or Xero.
• Flag bidders for additional checks if deposits aren’t received.

This protects your business during disputes, defaults, or compliance reviews.

Auto Payment Settlement

Automatically collect final payments using stored deposit methods:

• Winning amounts can be auto-captured from deposits.
• Remaining balances can be prompted or initiated.
• Configure fallback rules like payment links, reminders, or login prompts.

This streamlines collection from hammer to invoice.

Secure by Design

• PCI DSS-compliant card handling (Stripe, Opayo, others)
• GDPR-aligned token storage and bidder consent
• 3DS/SCA enforcement for secure authentication

BidHarvest® keeps your payment flows compliant with UK regulations.

‍Why It Matters

Deposits and auto-payments reduce financial risk, admin workload, and maintain trust—essential for high-volume or high-value auctions. BidHarvest® makes it smart, secure, and seamless.

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