My opinion of Online Express has gone a bit downhill since I discovered a bug in the Direct Debit functionality. It always seems to be UK specific features that have bugs. There was a time when after every RE upgrade I would have to check Gift Aid carefully to see if they'd fixed previous bugs and introduced any new ones.
The bug is that if the donor chooses direct debit but doesn't tick "Make this a monthly gift" then a cash gift gets created. Whilst it's possible to have one-off direct debits this cash gift isn't a recurring gift, and so you can't generate an instruction from it. I consider it a bug, but the person handling my case suggested I put something on the BBOX UserVoice website. So if you want to lobby Blackbaud to fix this you can do it on these suggestions:
Checked box as default for recurring gifts?
Allow forms which only have direct debit as an option
I've since been approached by a couple of people who work on BBOX in the US to discuss it, and so I've given my input there.
This is the workaround to make sure that people are warned if they choose direct debit without ticking that box. You need to put this code into the waitUntilExists code as described in my previous blog post.