in Engineering

Track flaky specs automatically using this simple tweak in RSpec builds

GoCardless’ Product Development team recently had a summer Hackathon – during which, we developed a simple tweak for our RSpec builds to track flaky specs (or, intermittently failing tests).

The problem

There’s a lot said about flaky specs because they often lead to wasted time and effort. At one point or another, we have probably all been about to merge or deploy changes and a required build check stops us – only because a flaky spec acted-up!

When this happens, there’s no option but to retrigger the build to see it go green to unblock the change. We try and remind ourselves to write up a ticket and come back to this flaky spec but this isn’t always possible when you have a number of other things you are working on.

So, we needed an automated way to keep track of flaky specs so that they are visible and we are reminded about fixing them.

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DocuSign expands payment offerings in Europe with GoCardless

DocuSign chooses GoCardless as its global Direct Debit provider

We’re delighted to welcome DocuSign Inc as a new customer – and one of a growing number of SaaS businesses choosing GoCardless to power their global subscription payments.

DocuSign helps organisations connect and automate how they prepare, sign, act on, and manage agreements. Its customers will now be able to subscribe using GoCardless, as an alternative to credit/debit cards and PayPal.

“We want our global customers to have access to simple and easy payment methods when purchasing DocuSign,” said Robin Joy, SVP of Digital, Demand & Web Sales at DocuSign.

“We’re delighted to be working with GoCardless to offer Bank Debit as a payment option throughout the UK and Europe, to ensure customers are able to complete quick and easy transactions with DocuSign.”

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Recurring payment preferences 2019
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in Engineering

Update on service disruption: 27 June, 2019

On Thursday 27 June between 12:41 and 13:21 (BST), we experienced a 40 minute service outage.

Our API and Dashboard were unavailable and users were unable to set up a Direct Debit via our payment pages or connect their account to a partner integration through our OAuth flow.

Submissions to the banks to collect payments and pay out collected funds were unaffected.

We’d like to apologise for any inconvenience caused. We know how important reliability is to you and we take incidents like this extremely seriously.

We’ll be completing a more detailed internal review of the incident in the coming weeks but we want to provide more details on exactly what happened and what we’re doing about it.

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in Business

SCA: What the new European PSD2 law means for subscription businesses

What is SCA regulation?

For the most up-to-date analysis and guide to SCA, view The complete guide to SCA for businesses

In September 2019, Strong Customer Authentication (SCA), a new regulation for authenticating online payments, will be rolled out across Europe, as part of the Second Payment Services Directive (PDS2).

One of the key aims of SCA is to reduce the incidence of payer fraud and increase security, by introducing two-factor authentication on electronic payments.

Learn more about how SCA works.

What kind of transactions are affected by SCA?

SCA comes into force on 14 September 2019, and will affect any applicable transaction for businesses whose payment service provider is located within the European Economic Area (EEA) and whose customer's bank or card provider is also located within the EEA. If only one of those parties is located within the EEA, the requirement is for them to still use 'best efforts' to apply SCA.

(Note: The FCA released a statement on 28 June 2019 recognising concerns around the industry's preparedness and ability to comply with the requirements for SCA by 14 September 2019.)

SCA does not apply to GoCardless’ Direct Debit payments service. GoCardless is fully PSD2 compliant, and SCA does not apply to payments made through GoCardless as it uses 'paperless' Direct Debit mandates, which are out of scope of SCA.

So, what transactions are affected by SCA?

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The complete guide to SCA
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in Business

How will online shoppers react to new PSD2 security rules?

Today, we released research from a GoCardless survey into consumer attitudes around security and convenience when buying online.

The findings show that UK consumers are torn between valuing convenience and security when making purchases online – but they value “speed and ease of payment” more than their European counterparts.

The GoCardless study, 'Security vs convenience in the payment experience', asked 4000 consumers in the UK, France, Germany and Spain, about their attitudes and behaviours to online shopping, and found that:

  • Nearly half of UK consumers (43%) consider “speed and ease of payment” the most important factor when paying for something online, compared to one third in France (32%) and Germany (33%) and less than a fifth in Spain (17%).
  • Shoppers in all markets place high value on a secure checkout process: French shoppers showed the greatest preference for security (62%), followed closely by German (61%), Spanish (58%) and UK (55%).

The research is published ahead of the introduction of Strong Customer Authentication (SCA); a new, European-wide, two-stage verification process coming into force from September 2019 as part of PSD2.

(Note: The FCA released a statement on 28 June 2019 recognising concerns around the industry's preparedness and ability to comply with the requirements for SCA by 14 September 2019.)

As a result, shoppers will have to provide two sets of security information – that could be a password or PIN, biometric information, or device information like a mobile number – to authenticate an online purchase.

How will consumers react to the new rules?

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Security vs convenience at checkout
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in Business

GDPR one year on: 5 things we’ve learned about scaling a privacy programme

Remember when GDPR was coming into effect last year, and every organisation we’d ever had contact with decided to send an email?

Some asked for our consent, some just checked in. More knowledgeable companies, or those who had taken good advice, didn’t email at all, trusting that solid privacy practices in the lead-up to GDPR made it unnecessary.

At the time, we shared details of our privacy programme; one year on, we’ve had a chance to experiment. We’ve learned some of what works, and what doesn’t. And regulatory guidance, events and enforcement have started to shed light on what good looks like for GDPR.

Yet the discussion at every privacy event I’ve attended in the last year, and every panel I’ve spoken on, inevitably turns to one topic...

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GoCardless and GDPR
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in Business

What is Strong Customer Authentication? (in 2 mins)

What is Strong Customer Authentication (SCA) and what does it mean for merchants in the UK and Europe?

If you haven’t heard of it yet, you wouldn’t be in the minority - Mastercard’s survey of European merchants in late 2018 found that 75% were unaware of what SCA is and what it means for them. As it stands, however, SCA will be coming into effect in September 2019 and it poses significant changes to the security requirements of online purchases.

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The complete guide to SCA
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in Business

How do consumers prefer to pay for recurring purchases in 2019?

How do consumers want to pay for subscriptions, memberships, bills and instalment plans? The answer to this question can hold the key to conversion rate optimisation for businesses. Knowing which payment methods your customers are comfortable with, and which they actively prefer to pay with, can have a significant impact on revenue generation for businesses taking recurring payments.

We partnered with YouGov to ask 12,785 consumers across the UK, France, Germany, Spain, Denmark, Sweden, USA, Canada, Australia, and New Zealand what their payment preferences are in 2019. The research covers four typical recurring purchase use cases: traditional subscriptions, online subscriptions, household bills, and instalments. Together, these markets represent more than two-thirds of the world’s recurring payment volume.

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Security vs. convenience in payments: Insights into SCA from Merchant Risk Council London

Merchant Risk Council events are some of the best places to discuss the challenges and opportunities facing the payments sector, from open banking and borderless payments to blockchain and virtual marketplaces.

The same issue at the top of every agenda

One topic that dominated this month's Merchant Risk Council London was Strong Customer Authentication (SCA), part of the PSD2 regulations. SCA is the new regulation for authenticating online payments, and will be rolled out across the European Economic Area (EEA) on the 14 September.

(Note: The FCA released a statement on 28 June 2019 recognising concerns around the industry's preparedness and ability to comply with the requirements for SCA by 14 September 2019.)

SCA has been put in place to increase security for payers and reduce payer fraud as well.

SCA consists of a 2-factor authentication that will apply to all electronic (online) payments.

  • Knowledge: Something only the user knows, such as a password
  • Possession: Something only the user possesses, such as a token or a mobile phone
  • Inherence: Something the user is, such as a biometric (eg. Fingerprint, Face ID)

We talked about SCA with players from across the payments landscape, both at the event itself and at a roundtable dinner we hosted on the topic.

This article looks at three key topics that emerged from those discussions.

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The complete guide to SCA
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GoCardless and Zuora go live in Sweden and Denmark

Last month we announced our new scheme launch with Zuora in Australia, and this month we’ve turned our attention to the Nordics. We’re excited to announce that Zuora customers in Sweden and Denmark can now take recurring payments with GoCardless via Autogiro and Betalingsservice!

GoCardless has been processing payments in the Nordics since 2015, and with the addition of Autogiro and Betalingsservice to our Zuora partnership, we’re uniquely positioned to support the growth of the Nordic subscription economy and solve the common issues that enterprise businesses face through collecting recurring payments.

John Phillips, Managing Director, EMEA, Zuora, said: “Our mission is to enable all companies to be successful in the subscription economy. Collaborating with GoCardless means we can offer our customers, and their customers, more flexibility and scalability when it comes to subscribing to new goods and services."

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Find out more about how GoCardless works with Zuora
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