GoCardless integration

What is GoCardless?

GoCardless is a bank debit (direct debit) provider that manages the entire collection process on behalf of businesses and organisations.

Bank debit is an umbrella term for various bank-to-bank payment methods around the world, which are designed for recurring payments. In the UK and Europe, bank debit is more commonly known as direct debit (where it is administered by Bacs in the UK, and SEPA in the eurozone). In the US, many refer to it as ACH debit.

You can collect bank debit payments from over 30 countries including UK, Eurozone countries, US, Canada, Australia and New Zealand, all in your home currency.

Paying by bank debit is a great option for your customers. Once an authorisation (bank debit instruction/mandate) is in place, your customers no longer need to action future payments saving them time and hassle.

Invite your customers to complete the simple authorisation through your MyAccount customer portal.  Customers only need to enter their payment details once, and that’s it. You’re authorised to collect all future payments without further action from your customer.

The amount you charge and when you charge can be fixed or flexible. In fact, it’s linked to the amount and due date on the invoice you’ve sent your customer. Payments happen frictionlessly in the background.

Payment types

GoCardless is the perfect payment solution for many businesses as bank debit (direct debit) payments are routed through the banks’ networks rather than card networks like Visa or Mastercard. The fees can be significantly cheaper.

Payments via bank debit can be fixed or variable amounts, as well as be taken at fixed or variable frequencies.

Payment processing times

Bank debit funds are usually remitted into your bank account within 3-5 working days from when your customer initiated the payment. It's important to note that, unlike card payments, the funds are not secured until they reach your bank account.