We team up with QuickBooks to help small businesses get paid faster

Success for small businesses in the UK is more elusive than ever these days thanks to a weakened pound and intense competition in all markets.

Thousands of the UK’s small and medium enterprises have told us that managing cashflow is a constant struggle. In some cases it can take up to 13 days for an invoice to get paid.

Cashflow is the lifeblood for any organisation, so waiting a fortnight for payment can wreak havoc on a company’s finances. Time spent chasing late-paying customers could instead be used for growing the business.

GoCardless has joined forces with QuickBooks to help small business owners reclaim those 13 lost days, while providing a new way to increase cashflow. This in turn allows for better insight and decision making.

By teaming up with QuickBooks, we can remove the burden of small businesses chasing clients for payment. The integration with QuickBooks allows payment to be taken directly from the client’s account on the day stated on the invoice. This significant change means that businesses can slash the amount of time they spend trying to improve their cashflow.

“Our partnership with QuickBooks brings accounting and payments together into one powerful platform. The integration empowers SMEs, enabling them to manage all their invoicing and Direct Debit payments in one place, saving them significant time and money so they can focus on growing their business,” said Hiroki Takeuchi, GoCardless CEO and co-founder.

For both GoCardless and QuickBooks, saving precious time for businesses is of utmost importance. Setting up Direct Debit payments in QuickBooks with GoCardless couldn’t be easier. What’s more, reconciling becomes a breeze as Direct Debit payments are automatically brought in and categorised on the QuickBooks platform.

“We’re delighted to work with GoCardless to bring Direct Debit functionality to QuickBooks. As a leading UK-based payments company, GoCardless will significantly reduce the time it takes for small businesses to get paid, which is critical to any business’ success,” said Dominic Allon, Vice President and Managing Director, Intuit Europe.

GoCardless and QuickBooks believe that the combination of smart payments and online accounting will enable small businesses to evolve in new and exciting directions, supported by a more efficient and transparent way of getting paid.

Find out more about the partnership or get the app now.

Use GoCardless with QuickBooks to get paid on time, every time
Find out more
in Announcements, People

Customer Support Interview Process

We take a lot of pride in our support team here at GoCardless. 😛

If we see a ticket that's close to breaching our service level agreement (SLA), we'll jump straight on it. Or if we notice a product update that's caused an unexpected issue, we'll quickly follow up to resolve it.

We're constantly working to improve processes, increase efficiency, and share more knowledge. Whenever our users get in touch, we have the right tools to provide a quick resolution that will minimise any disruption to their day. If we can put a smile on their face while doing so, well that’s just the icing on the cake.

We're also a team that knows how to have fun. Our Slack channel is widely revered across the company. If there were a prize for inexplicable overuse of giphys and non-stop banter, we’d win hands down. We all love getting stuck in at our company events…and the weekly Friday evening pub drinks.

Together we’ve sampled our fair share of bars and restaurants near the office, and we’ve competed in laser tag, bubble football, beer pong, and more – all in the name of creating a great team spirit.

Anyway, before we get too carried away, let’s get back to what you came here for – insights into our interview process.

It all starts with your CV

We know that great ‘supportees’ can come from many different backgrounds (our team is no exception!) so don’t be put off from applying just because you don’t think yours is relevant.

Your CV and cover letter give us an initial impression of you, along with your experiences, skillset, motivations, and perhaps one or two oddities that make you unique. Remember, we receive quite a few applications. Think about how you can best present the information in your CV and cover letter to ensure we won’t miss the best bits.

If we like what we see, we'll arrange a phone interview with you.

Phone interview

This is our first chance to get a sense of you as a person; what you’ve been doing up until now, and why you want to work for us.

We want to know what excites you about GoCardless and the world of fintech, and how you see your potential future with us.

Depending on who calls, you might also be asked about your baking prowess. (We have a bit of a sweet tooth here in support - contributions are always welcome 😋).

But this isn’t just our chance to find out more about you. It’s also your chance to ask us questions, whether about the role, our product, company culture, or how many giant marshmallows Jess can fit in her mouth at once. (She’s said it’s important to reiterate that they were ‘giant’ ones).

Don’t forget, this is your chance to make a great first impression. Try to relax and let the real you shine through.

Face-to-face interviews

Having nailed the phone interview, you’ll then be invited into our office to meet some of the team. We’ll show you around so you can get an idea of the environment you’ll be working in. You'll also experience how we work with a few example tasks to complete while sitting among our friendly support team.

Once you’ve been shown around our office you’ll begin the first of two face-to-face interviews.

Role Fit:

Lasting approximately half an hour, this first face-to-face interview is where we aim to find out if you’re a good fit for a support role. We’ll ask questions that identify your strengths, expose areas you can improve on, and assess whether you possess the key competencies we’re looking for.

We’ll also delve more into your motivations for joining a support role at GoCardless, your own experiences of customer support – good and bad, and how you see support fitting into the wider company vision.

Culture Fit:

The second interview is where we find out more about you and the values you hold dear. It our chance to see if we think you’d be a great fit within our support team and the GoCardless community as a whole.

We’re a varied mix of personalities so there’s nothing specific we’re looking for; we just want to know if we’d enjoy spending 9 hours a day with you. (This is similarly your opportunity to decide this about us as well!) We want to know what gets you up in the morning, what makes you tick, and most importantly what it is about supporting customers that you find irresistible.

Support Tasks:

Once the face-to-face interviews are completed, you’ll move on to the support task. This is a short exercise where you get to sit with our support team and experience what it would be like to work with us. You’ll be given a few short tasks, example emails, and a couple of role play phone calls. They’re all very straightforward and not designed to trip you up, so don’t worry. We’re more interested in seeing how you interact with the people sitting next to you, how you approach the tasks, and how you formulate your responses.

Supporting our customers over the phone is an important aspect of our work. The role plays allow us to test your phone manner, your ability to explain information, and how you deal with situations when you don't know the answer.

Once you’ve completed these tasks you finally get to head off home, hopefully with an air of renewed confidence having just knocked this stage of the interview process out of the park.

Executive Interview

If you’ve made it this far you’ve done extremely well. You definitely have some of the characteristics we’re looking for.

This is the final stage of the interview process. You’ll be invited back to our office to meet two senior members of our team, most likely our Head of Support alongside another head of department.

This might seem daunting - I remember the nerves I felt as I walked into the interview room for the final time - but it needn’t be. Even our most senior team members here are really cool and easygoing. This is an opportunity for you to meet the people responsible for managing you and your progress within GoCardless.

They'll want to find out more about your motivations for working with us over any other potential employer. Also, they'll want to know how your experiences will help us in achieving our company vision. They'll ask about your expectations in working for GoCardless, what you want to learn during your time with us, and where you see your career heading in the future.

The key difference between this and the previous interview is that your responses are being considered through the lens of our most experienced team members, the ones who can pick up on things that others may have missed.

The best advice I can give you is to think about what you’re really looking for in your next job role before you come in.

  • How have your past experiences led you to where you are now?

  • Why do you want a career in Support?

  • Can you see yourself working with us for the next couple of years or more?

If you’re confident you’re in the right place, going in the right direction, and with the right motivations, then just relax and remember, above all else – be yourself!

Notes about the process

Questions:

At any stage in the process you're more than welcome to ask questions. We may prompt you at certain times to ask us questions, but our aim is to make the whole process as open as possible. As such, there’s never an inappropriate time to ask us something.

How we decide:

For each interview stage you undergo, each member of the team involved in that stage will meet afterwards and discuss how we think you got on. We'll keep discussing until we agree on whether to progress you to the next stage.

Hearing back:

With each stage of the interview process we'll do our best to let you know our decision within 48 hours. If there have been a lot of applicants though this may take us up to a week. If a week has passed and you still haven’t heard from us please feel free to get in touch.

Interested in joining GoCardless?
We're hiring

Bacs Processing Calendar 2017

It's that time of year again and we don't just mean Christmas. The Bacs Direct Debit 2017 processing calendar is now available, so you can easily check the dates when Bacs will process Direct Debit payment submissions in 2017. The calendar also shows which days Bacs won't process payments, bank holidays and weekends, so you can plan around that.

If you're using GoCardless, there's no need to plan your payments submissions with the Bacs processing calendar. We take care of submission dates for you and we'll automatically submit your payments to Bacs on the relevant day. This means you simply choose on which dates you'd like to charge your customers, and we'll do the rest.

Feel free to get in touch with us at [email protected] if you have any questions about the timing and scheduling of Bacs payments.

Looking to automate Direct Debit collection timings?
Find out more

GoCardless among top 10 innovators at the Deloitte Fast 500 EMEA Awards

It was only a few weeks ago that we at GoCardless were busy celebrating our outstanding performance in the recent Deloitte Fast 50. We’re delighted to announce another big success.

Last night, GoCardless reached the top 10 of the Deloitte Technology Fast 500 EMEA awards, presented in Paris.

In this competition the stakes were much higher than before. We were up against a diverse range of cutting-edge tech companies from all over Europe, the Middle East and Africa. So it was a significant achievement for us to make it to tenth place in the overall ranking, putting us in the top 10.

“We’re really excited to see our achievements recognised internationally as well as in the UK,” said Robert Whiteside, GoCardless.

“It was fitting to receive the award in the Eiffel Tower, itself created by one of the greatest innovators of his age, while being surrounded by the world’s most exciting 21st century innovators.

“At GoCardless we’ve been privileged to help great businesses get off the ground and scale, and in turn grow with them to such an extent that we’re recognised as a leader in our peer group, both within the UK and further afield.”

The Deloitte Technology Fast 500 EMEA programme is an objective industry ranking that recognises the fastest-growing technology companies in EMEA over the past four years. It’s supported by the various Deloitte Technology Fast 50 initiatives, ranking high-growth technology companies by specifically defined geographic area.

Now in its sixteenth year, the 2016 programme included 28 countries and companies with growth rates from 212 percent to 28,126 percent. This year’s winners were selected based on percentage fiscal-year revenue growth from 2012 to 2015.

In the 2016 Fast 500 final ranking, the overall winner was Swedish software company Fingerprint Cards, which produces user-friendly biometric fingerprint solutions for use in securing electronic items. Fingerprint Cards had an impressive growth of 28126%. Congratulations!

GoCardless shares the top ten with one other UK company, Brain Labs Digital, the UK winner, taking fifth place in the ranking. Overall, the Fast 500 top ten represents a wide range of countries and diversity within the tech scene, including Israel, France, Sweden, Turkey, Norway, Poland, Austria and of course the UK.

We hope to take on the Fast 500 challenge once again in 2017, achieving more growth and the chance to rank even higher next time!

Use GoCardless to get paid on time, every time
Sign up here!

Xero and GoCardless: Getting you paid on time, every time

Are you using Xero online accounting to manage finances for your small business? If so, you’ll already be aware of how cloud accounting speeds up processes, automates your admin workload and helps you take control of key numbers.

Xero’s now got a new string to its bow: a direct integration with GoCardless via its new app. GoCardless for Xero offers automatic invoice payment and reconciliation. Now your Xero account can be linked straight to GoCardless, providing a fast, efficient way to collect invoice payments from customers with the absolute minimum of hassle.

That has a number of key benefits that will make your finances slicker, more streamlined and working hard for the long-term good of the business. And your customers will love how simple and straightforward it is – meaning you get paid faster!

1. Remove late payment issues while improving cash flow

Late payments can have a huge impact on small businesses. According to recent research, UK businesses with turnovers of under £1million are now waiting an average of 72 days for invoices to be paid.

Using GoCardless to collect your invoice payments by Direct Debit means you’re always paid on the invoice due date. No late payments, no time wasted chasing customers and no worries about the impact of aged debts building up in the business and affecting cash flow.

Cash-flow issues account for around half of all UK start-ups failing in their first five years. That’s mainly due to unstable payment revenues and the resulting lack of liquid cash to fund growth and keep the business in the black. So getting customers to pay you instantly and regularly through GoCardless will have a hugely positive impact on your cash flow.

2. Provide an easier way for customers to pay

Compared to many payment options, GoCardless is an incredibly simple and hassle-free solution for your customers. They can be signed up online in minutes, and need never worry again about missing a payment due date.

Unlike inflexible standing orders, Direct Debit never needs renewing and handles price changes, irregular invoice amounts and ad-hoc payments with ease. It’s the most convenient way for customers to pay – meaning you can add real value by offering GoCardless as an option.

3. Reconcile payments automatically

The average UK business spends 9 hours every week dealing with business banking. Much of this time will be spent on bank reconciliation – matching incoming customer payments to the invoices raised.

With Xero and GoCardless working in tandem, you not only have no chasing of payments to complete, you also have no reconciliation to worry about. GoCardless will automatically reconcile incoming payments to your Xero online invoices, saving hours of admin time – and keeping your Xero numbers 100% up-to-date while delivering real-time reporting.

4. Cost-effective payments solution

Software set-up costs and subscriptions can start to add up and eat into your profits. But with GoCardless, there are no more worries on this front.

Integrating GoCardless with your existing Xero account is totally free. Also, running the GoCardless Direct Debit solution to collect customer payments is a truly cost-effective option. You pay 1% of the total transaction fee, capped at £2, keeping costs down and bringing in steady, predictable income streams in the most productive way possible.

5. Fast and simple setup

Integrating GoCardless with Xero couldn’t be simpler.

  • Connect your Xero account to GoCardless. Simply create a GoCardless account, complete the ‘GoCardless for Xero’ online registration and your Direct Debit account will instantly appear on your Xero Dashboard, ready to take payment.
  • Set up your customers. Automatically (or manually) send a request to your customers and ask them to complete the online sign-up process to pay by Direct Debit.
  • Start collecting payments. collect your payments automatically on the invoice due date, straight into Xero – no more waiting for payments to arrive.
  • Automatic reconciliation. Your invoices will be reconciled, without you lifting a finger, and the GoCardless fee will be recorded as a fee straight to Xero.

For small businesses using Xero, signing up for GoCardless solves late payment, cash flow and reconciliation issues with one simple integration. Your customers will thank you for providing such an easy way to settle invoices by Direct Debit.

Use GoCardless with Xero to get paid on time, every time
Find out more
in Announcements

New Developments in SEPA

Some new SEPA developments are coming up in November - so here’s a quick update on what will happen and what it will mean for you as a merchant taking euro payments using GoCardless.

So what exactly is happening and why?

The rules behind SEPA are changing as a new version is set for release on November 21st 2016.

Currently SEPA COR1 is the main scheme used in Germany, Austria and Spain, while SEPA Core is the dominant scheme elsewhere. The most important upcoming change is that the SEPA COR1 system will cease to exist, while SEPA Core will become faster.

How will these changes affect me as a GoCardless merchant?

Firstly, existing SEPA Core users will benefit from faster payments against new mandates. The first payment from a customer previously had to be submitted to us six days before the charge date. After the change they will only need to be submitted three days before the charge date.

Secondly, we will adjust our system to remove references to SEPA COR1. The details of this are as follows:

  • New mandates will all be created as sepa_core . For API users, if you try to specify sepa_cor1 for a mandate or redirect flow after 4pm UK time on Wednesday Nov 16th we will return an error
  • From the morning of Friday Nov 18th, we will change the scheme on existing mandates in our system to sepa_core regardless of which scheme the mandate was originally created in

What do I need to do?

There will be a transition period where GoCardless will handle everything to ensure a smooth changeover to the new rules. You may see payments showing the message 'pending_submission' for a few days longer than usual - but you don’t need to do anything! We’re just mentioning this to alert you to the possibility.

Of course, the SEPA update is being handled by the banks, so it’s not all in our hands. But we’ll be doing everything we can to make this transition as smooth and as seamless as possible.

When will all this happen?

The changeover day itself is November 21st. Any payments with a charge date after November 21st will be collected under the new rules.

SEPA COR1 has been operating as an extension of the SEPA Direct Debit Core scheme. The COR1 scheme was designed to allow faster payment timings in countries where the required payments infrastructure was already in place. The timings improved to bring the system into line across Europe.

Interested in taking payments with GoCardless?
Sign up here!
in Announcements

Introducing our new developer site

The brand new developer.gocardless.com

The API is at the centre of everything we do at GoCardless - thousands of our customers use it to integrate Direct Debit into their applications and business processes, and it powers our Dashboard.

We’ve long had a great API reference, but we wanted to create a real home for developers with a wider range of content about our API.

To that end, we’ve launched our brand new developer site, with revamped reference documentation and a brand new getting started guide, helping you get up and running with the GoCardless API.

The guide takes you through, step-by-step:

  • Using our API libraries in PHP, Ruby, Java and Python
  • Creating your first customers
  • Taking your first payment
  • Staying up to date with webhooks

Throughout the guide, we’ve included copy-and-paste code samples in PHP, Ruby, Java and Python to make things as simple as possible.

We’ve also launched a new guide to building a partner integration, and helpful content which explains our developer tools.

We’d love to hear your feedback and answer any questions you have about our API - just get in touch at [email protected].

Interested in taking payments with GoCardless?
Sign up here!

GoCardless launches in Spain

The expansion of GoCardless is now reaching Spain. Since the beginning of the year, we've been gaining traction in Spain with new clients such as Geo Alternativa, Tallerator, Glovo, Doofinder, elTenedor and many more.

And now, our Spanish team will be sponsoring one of the most important Spanish Tech events, South Summit.

For all of you who speak Spanish... here's our first ever Spanish post. Hope you find it informative!

Cinco años consecutivos lleva celebrándose en Madrid el South Summit. El encuentro de los actores fundamentales del ecosistema emprendedor. Allí se dan cita startups, corporaciones, inversores e instituciones y por supuesto ¡nosotros no podíamos faltar! Durante los próximos días 5, 6, y 7 de octubre nos uniremos a esta grandísima iniciativa junto con otros más de 12.500 asistentes.

La innovación es in pilar clave de este encuentro, pero serán 7 verticales muy disruptivos los que despuntarán en la edición de este año: Fintech, Fashion & lifestyle, Health & Wellness, Food, Travel, Education, eFactory & Energy y Media & Entertainment; siendo el de fintech en el que nos centraremos.

Compartiremos espacio con grandes nombres del panorama fintech como Anthony Thompson de Atom Bank y Philippe Gelis, CEO y Co – Fundador de Kantox. Con ellos discutiremos sobre el cambio que necesitan los bancos a día de hoy. Un cambio drástico en su cultura corporativa que propiciará nuevos y distintos incentivos para poder seguir funcionando en el futuro. Pero ¿es esto posible? ¿Necesario? ¿Estamos viviendo el hundimiento de la banca tradicional? ¿Qué papel juegan las startups fintech en todo este movimiento?

Para responder a todas estas preguntas y a cualquier otra que pueda surgiros estaremos presentes durante toda la jornada del Summit con alguna sorpresa además preparada.

Además de en nuestro stand, podréis encontrarnos el miércoles día 5 a las 16:50 en el panel talk “Revolutionising the banking System through APIs”. Nuestra Chief Marketing Officer, Nicola Anderson, compartirá conocimientos con grandes nombres de la banca como BBVA, Raisin, PayPal. PayPlug y Ferrovial. Y en la ponencia del jueves 6 “How to go Global”, con Alfonso Sainz de Baranda, Country Manager en España.

La cita tendrá lugar en La N@ve. Un espacio que pretende convertirse en un centro de referencia dedicado a la innovación tecnológica y social y desde el cual estaremos retransmitiendo en todo momento lo ocurrido a través de nuestras redes sociales.

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in Announcements

We've launched a brand new Support Centre

We know how important it is to be able to source information quickly when needed so you can focus on what matters most, your business. That’s why we’ve been working hard to bring you a brand new Support Centre.

Our aim was simple - to speed up the time it takes to get answers to many of the questions that we’ve found come up fairly frequently.

Of course, you can still contact our support team if you can’t find what you’re looking for or if you would like further clarification on something in particular. However, we hope this will help to save you time when all you need is a quick answer to move forward with the task at hand.

How it works

We wanted to make our new Support Centre as simple and easy to navigate as possible. You can access it at any time by going to support.gocardless.com in your web browser.

The first thing you’ll notice when you open the homepage is a big search bar at the top. Simply type your query in and you’ll be shown matching articles relating to your query. As you type, you’ll also see relevant suggestions popping up below!

If you can’t find what you’re looking for or if you would simply prefer to browse articles for a particular type of query, you can do so via one of the eight category icons found below the search bar.

In making our Support Centre as easy to navigate as possible, we’ve included a few noteworthy features to our article pages.

On the left hand side of each article page you’ll find a column titled Articles in this section. This enables you to navigate between articles within the same category without having to return to the category articles page each time.

If you need to navigate to a different category entirely, the top menu bar will help you do so with minimal fuss. There is a search bar in the top right for if you’d like to type your query straight in. If you want to go back to the Support Centre homepage you can do so by simply clicking the "GoCardless Support" logo in the top left or the Support Centre breadcrumb.

You will also notice that the breadcrumbs include Documentation. If you click this link you will be directed to a page that provides a full overview of all the questions in each of the categories for you to browse. This is perfect for when you’re unsure of which category your query falls into.

Contacting our support team

If you can’t find exactly what you’re looking for, you can contact our support team directly from within the Support Centre. On the Support Centre homepage, you'll find a button below the icons that will direct you to our contact form.

You can also find a link to this contact form underneath the content of each article, right below where you can let us know whether or not you found that article useful.

All you need to do to submit a query to us is to enter your email address, a subject to briefly outline your query, and a description of your issue. You can also add attachments such as screenshots if it will help.

If, when typing your subject, your query relates to an article in our Support Centre, you will see this pop-up below for you to view if you haven’t done so already, before sending your request.

When getting in touch with us via our contact form, please enter the email address registered to your GoCardless account when possible. You can also add your merchant account name within the description box if applicable.

We will continue to improve our Support Centre moving forward so please do let us know if there’s something else you'd like to see included.

Interested in joining GoCardless?
We're hiring
in Announcements

Improvements to our CSV exports

At GoCardless we make recurring payments invisible for tens of thousands of organisations. We know that small details can make all the difference and we’re committed to continuously improving our service. We’re also very aware that although the changes we make improve our service for countless customers, some users need time to adapt to them.

This is particularly true of the exports available from our dashboard. These help make it easy for GoCardless customers to reconcile their accounts and keep track of how much they have collected. Many of our merchants use exports regularly and build processes around them, so we often receive feedback on how to make them more valuable.

We’ve reviewed this feedback and we’re making a few tweaks. These are designed to:

  • Add extra information to make exports more useful for common tasks
  • Make sure the format for exports is as stable as possible
  • Add the ability to improve exports while minimising customer impact

What’s changing?

In most cases – nothing! We’ve made some improvements behind-the-scenes to make the format of these exports more stable and reduce the time to export larger files.

We’ve also added new information to provide more useful reporting to our users:

  • We’ve added the customer data to payment and mandate exports from the events page, so it’s easy to reconcile which payments have failed
  • We’ve added details such as the payment reference and customer metadata to our payout summary export, so you can get all the information you need in one place

We’ve also fixed the date format in the exports so that it’s now fully readable by popular spreadsheet software packages, meaning you can filter and sort our exports by date

The column order in some exports is changing slightly to accommodate the new information and to provide a fixed order by moving optional elements like metadata to the end.

One of our most popular types of export is the payouts export. This comes in three types, so we’ve added a menu system to make navigation easier. From the payouts page you can export a list of payouts:

Exporting a list of payouts

After clicking on an individual payout, you can then export our recommended summary with fees, or click to access a list of the related events:

Exporting payout details

As part of this change we’re also increasing the security of our exports by making all exports downloadable to your computer via your browser using a secure connection.

When is it changing?

We’re launching the new exports in early September. We know that many of our customers have built workflows using our exports, and some might be affected by the changes. To reduce the impact of this we’re making the previous version available for a transition period. When you click to export a report you’ll automatically download the new version, but the old versions will still be available at the click of a button until 19th October.

We hope these changes to our exports improve and enhance your GoCardless experience. If you have any questions please don’t hesitate to contact us at [email protected].

Interested in taking payments with GoCardless?
Sign up here!

Improvements to your dashboard - May 2016

Since launching our new dashboard in April, we’ve had lots of great feedback on the additional features you’d like to see. We really appreciate all of your thoughtful comments and are pleased to share some of the improvements we’ve made over the last month:

1. Get your payout breakdowns by email

It's now even easier to see the transactions included in each payout. Your confirmation email now contains a list of the payments included. And for more information, you can click the “View in dashboard” button for a detailed breakdown.

2. Schedule a future start date for plans

You can now set a specific start date in the future for a plan to begin and for payments to start being taken.

3. Improved filters and sorting of your customer list

Find your customers more easily with filtering and sorting. See your active, inactive or pending customers at a glance. You can also see a list of your customers in alphabetical order by surname.

4. See your estimated payout dates

From the payments tab, you can now see at a glance when payouts are due to arrive in your bank account.

We really appreciate all of your thoughtful comments and suggestions so please do continue to share them with us via the ‘Leave feedback’ button in the bottom-left corner of your dashboard.

See the changes we've made
Sign in to your dashboard

New fundraise - $13m to support our new payment network for the internet

We're excited to announce that we’ve raised a new $13m funding round led by Notion Capital and supported by our existing investors Balderton Capital, Accel Partners, and Passion Capital. We’re particularly pleased to have Notion Capital on board as their team will bring additional expertise and experience to our board having built and exited three highly-successful businesses including MessageLabs.

This is key for us to succeed in our vision to build a new payment network for the internet. It allows us to improve on our existing product in the UK and Europe, as well as expand our global footprint.

The fundraise is not the only milestone GoCardless has reached over the last few months. Today, we’re also pleased to announce that we are processing more than £1 billion per year - collectively, our 16,000 merchants are collecting over 10 million payments each year through our bank-to-bank network. Our solution has opened up access to the Direct Debit system for small businesses, and has helped multinationals meet the needs of their customers with a Direct Debit solution built for the digital age. We’re proud that this has contributed towards the 5.8% annual growth in Direct Debit payments that Bacs reported last year.

In addition to opening up Direct Debit to small businesses, we’re also creating new ways for customers to pay for products and services. For example, we now work with Thomas Cook to offer their customers the option to spread out their cost for their dream holiday.

Our expansion into new markets is also picking up pace. We are now serving businesses in Spain, the Netherlands and Sweden. They add to our growing presence in France and Germany. In France we are growing four times faster than when we launched in the UK, driven by customers like Habitat & La Fourchette, and partnerships like Mangopay. In Germany, we are picking up traction with some great customers including rankingCoach, betahaus Hamburg and the soon to launch partnership with accounting software Debitoor.

Whilst I am immensely proud of all of the above, our ongoing growth and success is all down to you, our incredibly supportive and loyal users. This is why my highlight of the year so far is the launch of our new dashboard next month. We’ve used your feedback to make it more intuitive than ever and given it the power and flexibility to grow with your business. It’s been a huge company-wide project and we hope you enjoy using it as much as we enjoyed building it. We look forward to hearing your thoughts.

Want to help us build a new payments network for the internet?
We're hiring

Introducing your new GoCardless dashboard

When we started GoCardless 5 years ago we wanted to make Direct Debit accessible to companies who’d never had access before. We built a product that was simple and intuitive and soon had the privilege of helping thousands of small businesses collect payment.

Then, 2 years ago, some of the UK’s largest companies started using us, and some of our early adopters were growing into large companies themselves. They loved the simplicity of GoCardless but wanted additional power and flexibility. To support them we built GoCardless Pro, with its own dashboard and API.

Now, we're pleased to be able to give everyone access to the GoCardless Pro dashboard. We’ve used your feedback to make it more intuitive than ever, whilst having the power and flexibility to grow with your business:

There are hundreds of improvements in the new GoCardless product, but instead of giving you a full list of every change, here’s a very quick summary of five of our favourite new features:

1. A clearer and easier-to-use dashboard

The first thing you'll notice when you sign in to your new dashboard is the brand new look - it’s had a full makeover and the most important information is now placed front and centre. As soon as you log in to the new dashboard, you’ll get an immediate overview of what you’re owed, how much you’ve collected and what’s currently due. We've also improved the way we show your payments and customers to make this much clearer and easier to use. Get a real-time overview of everything in your account, and easily filter down to the most relevant information.

2. Multiple users: share access to your GoCardless account

With the new GoCardless dashboard, you can share access to your account with other people in your business. Not only can you add multiple users to your account, you’ll be able to individually control their access rights and permissions - for instance, you could give your bookkeeper read-only access so they’ll be able to reconcile payments without making changes to the account.

3. Paylinks: An easier way to take one-off payments

From within your account, you can now create Paylinks - an intuitive and user-friendly way to take one-off payments. With Paylinks you have the option to collect additional payments from the same customer without the customer needing to add their bank details each time.

4. Events log: Keep track of the status of your payments

We’ve introduced a new Events tab from which you can see a complete timeline of your account’s activity, or simply use the filters to narrow down the search to the activity type and date range you’re looking for. You can also click on any item to view a more detailed description of the event such as why a mandate couldn’t be set up or a payment failed.

5. Improved search and filtering: Find the information that matters to you

We’ve built out the search functionality to include payment amounts, charge dates, payment descriptions, metadata references... pretty much anything that can be found in your dashboard! If that wasn’t enough, you can even list multiple terms at once to to filter your results more effectively and find what you’re looking for even faster.

When will I see the new GoCardless dashboard?

The new dashboard will be rolled out from April 2016. We’ll be in touch with all merchants via e-mail over the next few weeks with further information about the upgrade.

As we move all our merchants over to the new dashboard, we want to make sure we keep iterating and improving our product. In the new dashboard, there’s a built-in feedback tool that’s never more than one click away - you’ll always be able to find this in the bottom-left corner of your dashboard. Any comments and feedback you have on the dashboard will be hugely appreciated by the team and will help us to shape the product going forward.

Through the rest of 2016, we have ambitious plans to continue building the best product for taking recurring payments online both in the UK and further afield. As we strive to create a new payment network for the internet, we’ll continue pushing forward with new features and updates shaped by your feedback.

Getting started with the new dashboard

We know that change can sometimes feel a bit scary, but we promise you, this is an easy and worthwhile upgrade.

We’ll inform you ahead of time about exactly when you’ll be upgraded to your dashboard. This upgrade won’t require any work on your behalf: all of your customers, payments, and account information will be moved over automatically to the new dashboard. Once upgraded, just login as normal and you can start using your new and improved GoCardless dashboard.

To help you better get a feel of the new dashboard before upgrading, you can watch the short video demo at the beginning of this blog post.

We’ve also put together a comprehensive FAQ that will answer your questions about using the new dashboard. Finally, as always, you can contact our team for any questions you have either about using the new product or about your GoCardless account. If you have any queries, please drop us an email to [email protected] or you can give us a call on 020 7183 8674.

Thank you!

We also want to say a huge thank you to all of our merchants who have helped us to get to where we are today. We honestly couldn’t have done this without each and every one of you. The new dashboard is a major milestone for GoCardless, and we hope we can continue to delight you as we make further improvements to our service.

in Announcements, Business

Bacs Processing Calendar 2016

Bacs have provided the Bacs Processing Calendar 2016 so you can check on which dates they will be processing Direct Debit submissions through the year. It also shows you which days payments won't be processed on, so you can plan ahead around bank holidays and weekends.

Bacs Processing Calendar 2016 Preview

As usual, if you're using GoCardless, it isn't necessary to plan your submission with the Bacs processing calendar. We take care of submission dates for you and will automatically submit your payments to Bacs on the relevant day. This means you simply choose on which dates your customers will be charged, and our system does all of the hard work to figure out the right day to submit.

Feel free to get in touch with us at [email protected] if you have any questions about the timing and scheduling of payments, or if there's anything else we can help with. The support team are available 9am - 6pm on working days (weekdays excluding bank holidays).

Looking to automate Direct Debit collection timings?
Find out more
in Announcements

Deceptively Simple: Our Photo Mission

EyeEm and GoCardless launched a Mission to find photos that showcase the GoCardless philosophy - complex systems made simple.

At GoCardless, we have one goal: To provide a simple way to take recurring payments across multiple markets. We have automated and simplified the complexities of direct debit to expose an interface so simple anyone can use it. Yet it is powerful enough to serve the UK’s largest institutions - and all at very low fees.

Here are our favourite photos from the EyeEm Community, with comments by the EyeEm team:

Congratulations to our winner @giiovi!

This photo shows a real sense of community and teamwork. The swarm of bees are doing complex work to create something that seems so elementary to us - delicious honey. We love this, and like to think of us as a swarm of bees making global payments deceptively simple.

EyeEm: The reason why this image works so well comes down to the use of focus; a potentially busy scene is given clarity by focusing on the main aspect. Being able to see the small bees in flight is really exciting-it isn’t something that’s easily captured, so it gives you a snapshot of a moment which could pass the eye by.

More of our favourites:

Photo by @jsknick

We love this photo because it captures our complex world in a single bubble. We like how the detail and complexity become more intense the deeper you look.

EyeEm: This image shows the technique and experience of the photographer, being able to combine a fast shutter speed and focusing in on a single object makes this really stand out. The colours and composition compliment each other very well.

Photo by @Violetalix

Something so simple in its base design is much more beautiful when you look in more depth—in this case, at the texture, light and colours.

EyeEm: Capturing textures in photography works so well when linked with simplicity. You can make an object look so different by capturing it closer and using light to manipulate its usual form. The light makes this material shimmer, transforming it from something quite plain to an image that is really pleasing to the eye.

Photo by @phoebeh_

This photo has many fans amongst our team at GoCardless. One parachute, a couple of cables and you're flying. So bold yet showcased in a peaceful, serene way.

EyeEm: We love images where you can see someone taking a risk (especially if it’s something we’d be too scared to do) - the blue sky behind creates a perfect backdrop to the main subject, giving the audience a real focus.

Photo by @grellgrau

Perfect lines, logic and symmetry make this photo and design so attractive. This hallway probably took months to design and construct to such a high standard—but you only see the smooth and clean results.

EyeEm: Minimalism can work really well, the design gives an almost futuristic feel thanks to the light from the ceiling. The lines give the viewer an indication of how the eye should travel through the image.

Want to see more of our favourite pictures?
View the EyeEm blog post
in Announcements

Announcing our beta for Swedish Autogiro

You can now collect Direct Debit payments from Swedish customers using GoCardless.

We blogged back in March about building a global Direct Debit network, and this is just another step on that journey. Swedish Autogiro is now incorporated into our simple API for Direct Debit.

To join the Swedish Direct Debit beta, get in touch, and for more information on Autogiro, check out our Bg Autogiro guide.

Join our Swedish Direct Debit beta
Find out more
in Announcements

GoCardless powers payments for Cobot’s coworking spaces in Germany

Cobot, a German cloud-based management application for coworking spaces, and GoCardless have partnered up to make taking membership fees from coworkers a simple task. With GoCardless' new and more advanced integration, coworking spaces in Germany and the rest of the Eurozone can now collect payments for memberships and room bookings through SEPA Direct Debit. Having originated in the UK, the plans are to eventually extend this partnership globally.

What is Cobot?

Cobot was created in 2010 by Alexander Lang and Thilo Utke. The two former software consultants started Cobot out of necessity to manage their own coworking space co.up. Driven by the interest of other spaces, it quickly grew into a major and stand-alone product for co.up and today coworking spaces with around 30,000 coworkers worldwide. Cobot aims to be the best system for coworking management, taking over all the routine tasks that can be automated, from logging activity in the space to tracking invoices.

How does GoCardless help Cobot’s customers?

With the new integration complete, coworking spaces that use Cobot’s managing software can now seamlessly take payments from their coworkers using direct debit. With a simple 1% transaction fee, capped at 2€, GoCardless provides a competitive payment method for both recurring and one-off payments.

This new payment gateway for Cobot’s users comes with all the advantages of direct debit: coworking spaces can pull funds directly from their coworkers’ bank accounts whenever money is due on an invoice. As a result, coworking spaces get paid on time, and the experience for customers is improved.

Cobot’s billing software and GoCardless’ direct debit product make the process of collecting money a completely automated solution. This means coworking spaces need no longer worry about recurring monthly instalments, late or failed payments.

Finally, coworking spaces that use direct debit to collect their fees experience a lower rate of churn. This is in contrast to credit card payments for example, where card expiration is common. Of course, basic bank account details do not expire, therefore making direct debit a powerful payment method to increase retention rates.

How do you get involved?

If you are a coworking space that wants to take payments cheaply and easily from within Cobot using GoCardless, please do get in touch with either of us today!

Your coworking space already uses Cobot? That’s great! To start taking payments using GoCardless, simply add GoCardless as a new payment method in your Cobot account as shown below:

Also, have a look at Cobot’s blog post about the partnership here.

Want to use Cobot for your coworking space?
Sign up to Cobot here
in Announcements

Optimising SEPA Direct Debit

Here at GoCardless we're always looking for ways to optimise the speed of the Direct Debit process. We recently made our GBP payouts arrive a day sooner than before, but our Euro payouts have been lagging behind, taking 2-3 working days to arrive. Now we're able to bring that down to just one.

At the same time we're making SEPA COR1 available. This is a faster version of SEPA Direct Debit, taking just 2 working days to collect payments. It's currently supported for collecting from most German, Austrian, and Spanish banks. If you don't specify the scheme when setting up a mandate, we'll automatically use COR1 whenever possible.

All new merchants will be able to take advantage of both of these optimisations straight away, and we'll be enabling them for existing merchants over the next few weeks. Get in touch if you're keen to be in the first batch!

Wondering whether GoCardless could be for you?
Find out more

Hitting $1bn

We're excited to announce that GoCardless is now processing over $1bn each year. It's a great milestone in our journey to create a new payment network for the Internet.

Over the last year we’ve seen a 250% increase in volume as our customers increasingly recognise the potential of Direct Debit. We've welcomed large new customers, including The Financial Times, Box.com, and Habitat, at the same time as continuing to serve thousands of small business. In fact, over half of our volume comes from businesses that have never had access to Direct Debit before.

What's next?

With over 2,000 businesses signing up to collect payment via GoCardless every month it still feels like we are at the beginning of our journey.

European expansion is well under way - we just launched in France, are in open beta in Germany and Ireland, and will be launching across the rest of Europe as soon as we have the team to build and support our business internationally.

We're not planning on stopping at SEPA & UK Direct Debit, either. Our vision is to create an international Direct Debit network to power simple payments for the Internet. Expect more announcements soon!

Want to help us hit $10bn? We're hiring!
See job listings

New API Version - 2015-07-06

Version 2015-07-06 is released today, with the following changes:

  • Removes /helpers endpoint from the API
  • Renames subscription start_at and end_at to start_date and end_date
  • Enforces date format when passing a payment charge_date

For the majority of integrations, the upgrade will be extremely simple, but we will continue our support for v2015-04-29 until the 6th of January, 2016.

Upgrading

Upgrading to the new API version should be extremely simple:

  1. Update your version header:

    GoCardless-Version: 2015-07-06
    
  2. If you use the subscriptions endpoint, update your integration to use start_date and end_date keys instead of start_at and end_at.

  3. If you generate PDF mandates, update your integration to use the new mandate_pdfs endpoint.

  4. If you use the old /helpers/modulus_check endpoint, update your code to use the new bank_details_lookups endpoint.

Why are GoCardless making these changes?

The above changes achieve two improvements to the GoCardless API:

  1. Dates now all have an _date key, whilst timestamps all have an _at key.

  2. All endpoints act as first class resources. Previously the /helpers endpoints were inconsistent with the rest of the API, making them harder to use.

Off the back of these changes we will release version 1.0 of our Java and Ruby client libraries this week. Python and PHP will follow shortly afterwards.

Need help upgrading or have any questions?
Get in touch

Safely retrying API requests

Today we're announcing support for idempotency keys on our Pro API, which make it safe to retry non-idempotent API requests.

Why are they necessary?

Here's an example that illustrates the purpose of idempotency keys.

You submit a POST request to our /payments endpoint to create a payment. If all goes well, you'll receive a 201 Created response. If the request is invalid, you'll receive a 4xx response, and know that the payment wasn't created. But what if something goes wrong our end and we issue a 500 response? Or what if there's a network issue that means you get no response at all? In these cases you have no way of knowing whether or not the payment was created. This leaves you with two options:

  • Hope the request succeeded, and take no further action.
  • Assume the request failed, and retry it. However, if the request did succeed you'll end up with a duplicate payment.

Not an ideal situation.

Idempotency Keys

To solve this, we've now rolled out support for idempotency keys across all our creation endpoints. Idempotency keys are unique tokens that you submit as a request header, that guarantee that only one resource will be created regardless of how many times a request is sent to us.

For example, the following request can be made repeatedly, with only one payment ever being created:

POST https://api.gocardless.com/payments HTTP/1.1
Idempotency-Key: PROCESS-ME-ONCE
{
  "payments": {
    "amount": 100,
    "currency": "GBP",
    "charge_date": "2015-06-20",
    "reference": "DOLLAR01",
    "links": {
      "mandate": "MD00001EKBQ412"
    }
  }
}

If the request fails, then it's perfectly safe to retry as long as you use the same idempotency key. If the original request was successful, then you'll receive the following response:

HTTP/1.1 409 (Conflict)
{
  "error": {
    "code": 409,
    "type": "invalid_state",
    "message": "A resource has already been created with this idempotency key",
    "documentation_url": "https://developer.gocardless.com/pro#idempotent_creation_conflict",
    "request_id": "5f917bf9-df56-460f-a165-15d9e77414cb",
    "errors": [
      {
        "reason": "idempotent_creation_conflict",
        "message": "A resource has already been created with this idempotency key",
        "links": {
          "conflicting_resource_id": "PM00001KKVGTS0"
        }
      }
    ]
  }
}

It's worth noting that we haven't added support for idempotency keys to our update endpoints, as they're idempotent by nature. For example, trying to cancel the same payment multiple times will have no adverse effect.

We're constantly improving our API to provide a better experience to our integrators. If you have any feedback or suggestions then get in touch, we'd love to hear from you!

Wondering whether GoCardless Pro could be for you?
Find out more

We're making payouts faster

Payments you collect via GoCardless will now reach you one working day faster.

We've been working with the banks to speed things up, and starting next week will be sending your GBP payouts as same-day payments. This means that payments will reach your bank account just two working days after your customer is charged.

We're always looking for ways to optimise our payment timings, and we'll keep you updated as we make further improvements!

Interested in collecting Direct Debit payments?
Learn more

New API Version - 2015-04-29

We last released a new version of the GoCardless Pro API back in November. Since then we’ve made countless improvements and recently we've been working on several new features which warrant the release of a new version.

Version 2015-04-29 is being released on Wednesday, along with a corresponding update to our dashboards. For the majority of integrations, the upgrade will be extremely simple (see upgrading).

The new API docs are available at: https://developer.gocardless.com/pro/2015-04-29/

We will continue our support for v2014-11-03 until the 1st of July, 2015.

Summary of changes

  • Simplifies authentication and permissions by moving to OAuth2
    • The API now uses token based Authentication.
    • Api Keys and Publishable Api Keys have been replaced with Access Tokens and Publishable Access Tokens respectively.
    • Removes Users and Roles from the API (user permissions can still be managed using the dashboard).
  • Replaces the UK-specific sort_code field on bank accounts with the more generic branch_code.

Upgrading

For most integrators, upgrade steps are as follows:


  1. Generate an access token in the dashboard and update your authorisation header:

    Authorization: Bearer TOKEN
    
  2. Update your version header:

    GoCardless-Version: 2015-04-29
    
  3. Stop using the sort_code key in bank account creation calls, and instead use branch_code.


The use of users, roles, api_key and publishable_api_key endpoints was extremely low and in most cases integrators made no use of these endpoints. However, if you do make use these in your integration and are unsure how to proceed, please don’t hesitate to get in touch.

Full details of the changes

API Authorisation

Permissions in the new API version are replaced by scopes. There are two possible scopes: full_access and read_only.

user-scopes

We've assigned scopes to your users based on their previous permissions. If a user had full access to any resources before, they have been assigned full_access, otherwise they've been given read_only access.

Please take a moment to check your dashboard and ensure you're happy with your users’ scopes.

API Authentication

To support future improvements we're switching API authentication from HTTP Basic to OAuth2.

In the future this will allow us to support partner application use cases, enabling you to authorize applications to perform actions on your behalf. It also simplifies our API authentication strategy (one token, as opposed to two components with base 64 encoding).

To authenticate with the new API version, you will need to modify your authorisation header (docs):

# Old
Authorization: Basic BASE64_ENCODED_CREDS

# New
Authorization: Bearer TOKEN

You can continue to manage API Keys and Publishable API Keys in the API using v2014-11-03, but they won't appear on your dashboard any more. For migration instructions, please see the upgrade guide

Webhooks

We’ve moved the concept of webhook endpoints to their own section of the dashboard and changed the detail used to sign them: going forward, webhook endpoints have a “secret”, which is used to sign requests (docs).

For existing integrations, we've copied across webhook details from API Keys and set the secret to be the API Key's key. As a result, no changes to existing integrations are required unless you rely on the Webhook-Key-Id header, which has been removed.

webhook-endpoints

Farewell Sort Codes, Long Live Branch Codes!

Since we now support local details for all the countries you can collect payments from, we've replaced the UK-specific sort_code field on bank accounts and bank account tokens with the generic branch_code field.

Most integrations will already be using the branch_code field as it has been the documented interface since December.

Need help upgrading or have any questions?
Get in touch

A new payment network for the internet

This post initially went out as a company-wide email on 23rd April 2015. We're publishing it here today to share our vision with the world.

The internet has changed the way we do business. National borders are less of a barrier to expanding globally — Box.com can serve customers in Japan as easily as it does in the US. Crowdfunders like CrowdCube and P2P platforms like Funding Circle are reshaping the way businesses fund themselves.

However, the way we get paid remains the same. Most payments are still handled by card networks designed 70 years ago for paying in shops. Whilst thats okay for a lot of transactions, it doesn’t work at all in many instances.

Cards are simply too expensive for business to business transactions. This leaves the small guys chasing their customer for manual payments via cheque or bank transfer. Sky-high failure rates also make cards poor for subscription services — many businesses lose up to 10% of their customers each month because of this. Finally, sometimes accepting cards isn’t even an option — in Germany, for example, cards are only used for a fifth of payments.

To fix this, we are building a new payment network for the internet.

We’ve started by creating a really simple layer on top of Direct Debit. Whilst Direct Debit isn’t a new system, it is a great mechanism for recurring payments. It’s cheap because there are few intermediaries in each transaction. It’s reliable because payments are taken directly from your bank account.

Before GoCardless, Direct Debit was inaccessible and under-utilised. It was typically only available to the largest companies and it was hard to manage because the underlying processes are clunky and out of date.

Our technology has changed that.

By aggregating volume, we’ve been able to open up access to anyone, regardless of their size. By building simple APIs, we’ve enabled our customers to automate their processes, leaving them to focus on their business instead.

By creating technology to simplify Direct Debit and make it accessible, we have quickly grown into the UK’s leading Direct Debit provider. We now process over half a billion pounds each year for over ten thousand businesses across the UK.

We have also added new geographies, and have the early versions of an internationalised service. This gives us the foundations to create a new payment network for the internet.

We will do this in two steps.

First, we aim for the scale of the internet by creating a global Direct Debit network for recurring payments. We will take our learnings from working with banks, regulators, and systems in the UK & Europe to combine Direct Debit mechanisms from across the world.

Our technology has simplified Direct Debit in the UK by abstracting away the complexities of the system. We will take the same approach to our global expansion — transcending the differences between each country to create a coherent, elegant payment network.

Because of the slow nature of Direct Debit, we will continue to focus on recurring payments. In order to break out of recurring payments, we need to be able to speed things up — no one wants to wait 3-5 days to ship a product. This is our second step. We will do this by working with the existing networks to lobby for infrastructure improvements.

We are already seeing the world move in this direction; Australia is building direct debit into their new real-time payment platform, PSD2 (the new Payment Services Directive) encourages the emergence of new Direct Debit networks built on faster payment infrastructure. When these shifts occur our existing traction will put us in a unique position to take advantage of these developments. It will enable us to break out of recurring payments — creating a new way of getting paid for anything online.

In this world it will be easy for any organisation to get paid from anywhere. Small businesses will be up and running in minutes; large enterprises will enter new countries with ease; and new startups will grow with us. The barriers will be down, and our merchants will be able to stop worrying and focus on what they do best.

The internet has changed the world for the better, but somehow payments got left behind. Let's be the ones to fix it.

If this sounds like something you want to be involved with, we're hiring and we'd love to talk. Head to gocardless.com/jobs to see what's on offer.

GoCardless launches in France

Since 2011 we've been helping UK companies improve the way they collect recurring payments. Today we're very excited to announce that we're launching in France and Belgium to do the same, and will be launching in Germany, Spain and the Netherlands soon.

Direct Debit offers French and Belgian businesses lower failure rates, lower transaction fees and increased flexibility. By putting the company in control of when payments are taken it also improves cash-flow and drastically reduces the time spent chasing late payments. However, just like in the UK, Direct Debit is difficult to access, hard to use, and full of hidden fees. We're fixing that:

  • Access to Direct Debit : in Europe it can take months to get started, with a lot of paperwork and setup fees. It takes a couple of days with GoCardless and we take care of setting you up on the SEPA Direct Debit scheme (for free).
  • Manual processes : companies are spending hours each week setting up customers, creating and exchanging files with their bank or provider, and manually reconciling the payments that succeeded or failed. We automate everything, whether you use our API or our online dashboards.
  • Hidden fees : we don't think anyone should pay €16 each time a payment fails, so we only charge on successful transactions - nothing else.

We've already launched with 1001menus, who now automate their Direct Debit collections, and The French Talents, who no longer need to chase late payments via bank transfers and cheques. We've also been covered in the national and business press: Le Figaro, Les Echos, Challenges, La Tribune, Journal du Net and l'AGEFI have all written about us.

To learn more, visit our French or English website.

It's now easier to take Direct Debit globally

Taking Direct Debit payments used to mean integrating with a different payments scheme in each country you wanted to collect from. We're changing that. From today, we no longer require you to specify the Direct Debit scheme when setting up a mandate through our Pro API. We'll automatically detect the best Direct Debit scheme to use, based on your customer's bank account:

GET https://api.gocardless.com/customer_bank_accounts/BA123 HTTP/1.1
HTTP/1.1 200 (OK)
{
  "customer_bank_accounts": {
    "account_holder_name": "Edith Piaf",
    "country_code": "FR",
    "currency": "EUR",
    ...
  }
}
POST https://api.gocardless.com/mandates HTTP/1.1
{
  "mandates": {
    "links": {
      "customer_bank_account": "BA123",
      "creditor": "CR123"
    }
  }
}

HTTP/1.1 201 (Created)
Location: /mandates/MD123
{
  "mandates": {
    "id": "MD123",
    "scheme": "sepa_core",
    ...
  }
}

We're the only provider that links UK and SEPA Direct Debit in a single API, but this is just the first step in building a truly global Direct Debit network. You shouldn't need to worry where your customers are located to be able to take payments from them, and we'll be working on making this even easier over the next few months.

First we'll be making it possible to take payments in any currency from any account, without worrying about the forex, and also to receive payouts in whatever currency you prefer. This will mean you can collect £10 a month from all your customers, whether they're in London or Luxembourg. You'll also be able to collect in several currencies and receive all your payouts in one currency.

Then we'll be adding more schemes, from Swedish Autogiro to Australian BECS, so you can take Direct Debit payments from anywhere using just one API.

Wondering whether GoCardless Pro could be for you?
Find out more
in Announcements, Business

Bacs Processing Calendar 2015

As we head towards the end of 2014 we have inevitably started to think about making sure we’re ready to hit the ground running in 2015. To help you do the same we thought it would be helpful to share the 2015 Bacs Processing calendar.

Bacs Processing Calendar 2015

The Bacs Processing Calendar shows the dates that Bacs will accept Direct Debit submissions throughout 2015 as well as the days it won’t (weekends, bank holidays etc.).

Bacs explain, “The Bacs processing calendars are a valuable tool to help you ensure you don’t miss those important processing dates over the holiday period. The Bacs processing calendars supply you with the all important Julian dates you need to process your payment files”.

Here at GoCardless, we automatically take the processing calendar into account so you don’t need to. We do still recommend making sure you’re aware of any non-processing dates which might affect your payment schedule so that you are either prepared for payment timings to change or can decide to move those payments to fit into your schedule (which we're more than happy to help with).

If you have any questions on the 2015 Bacs processing calendar or payment timings more generally our support team are always happy to help so get in touch at [email protected].

Wondering whether SEPA Direct Debit could be for you?
Find out more

SEPA Rulebook Updates: November 2015

On 25th November 2013 the EPC released an updated version of the SEPA Direct Debit CORE and B2B scheme rulebooks (to go live next November) and announced a further update for November 2016.

Why are they releasing an update now?

The EPC releases updates each November to ensure that the SEPA payment schemes continue to stay up-to-date with global technical standards, best practice and ISO (International Organisation for Standardisation) standards and to reflect feedback received during the public consultation.

What changes do you need to know about?

SEPA Direct Debit Core Rulebook 8.0 and SEPA Direct Debit B2B Rulebook 6.0

SEPA Direct Debit Core Rulebook 8.0 and SEPA Direct Debit B2B Rulebook 6.0 will be effective in November 2015 (in 1 year). In a nutshell the main rule changes outlined in SEPA Direct Debit Core Rulebook 8.0 and SEPA Direct Debit B2B Rulebook 6.0 are:

  1. A change to the mandatory wording in the Mandate The wording will be amended to read: “Alternatively, the mandate may be an electronic document which is signed using a legally binding method of signature.”

  2. A correction to the definition of ‘refusal by the Debtor’ A refusal not to make a payment is always based on a request of the debtor before the due date/ settlement date. The technical R-transaction could be either a reject (which is the preference) or, if technically not feasible before settlement, a return. Only refusals returned by a reject or a return will use the reason code ‘refusal by the Debtor’.

  3. An extension of mandate amendment combinations in AT-24 ‘The Reason for Amendment of the Mandate’. This change will allow creditors to send more combinations of mandate amendment reasons in just one SDD message.

Note: There is a further change to SEPA Direct Debit B2B Rulebook 6.0 which extends the explanation of reason code MD01 to ‘No Mandate or unable to obtain Mandate confirmation from Debtor’.

SEPA Direct Debit Core Rulebook 9.0

SEPA Direct Debit Core Rulebook 9.0 will be published in January, effective in Nov 2016 (in 2 years). The main rule changes proposed for Rulebook 9.0 are:

  1. Shorter timing for payments. Under Rulebook 9.0, all collections presented for the first time, on a recurrent basis or as a one-off collection, can be presented up to one inter-bank business day prior to the payment (instead of five for first and two for subsequent). This will shorten the GoCardless SEPA timings to 5 working days for all payments.

  2. Just one sequence type. The current requirement to use the sequence type ‘FRST’ in a first of a recurrent series of collections is no longer mandatory so you will be able to use 'RCUR' for all transactions.

The various rulebooks can be downloaded here while the changes are explained in further detail here.

If you want to take recurring payments across the eurozone, then register your interest to join our beta and simplify your recurring payments today!

Wondering whether SEPA Direct Debit could be for you?
Find out more

Christmas Opening Hours & Direct Debit Processing Over the Festive Period

Over Christmas and New Year there are extra Bacs non-processing days so make sure you don’t get caught out by submitting your files as early as possible. To help you out we’ve put together a helpful guide to the last date you’ll need to submit payments by if you need the payment to arrive in your account by a specific date:

Christmas Processing Dates

GoCardless support hours

Our support will be running normal business hours other than on Christmas Day, Boxing Day and New Year’s Day:

  • Monday 22nd December – Normal business hours
  • Tuesday 23rd December – Normal business hours
  • Wednesday 24th December – Normal business hours
  • Thursday 25th December (Christmas Day) – CLOSED
  • Friday 26th December (Boxing Day) – CLOSED
  • Monday 29th December – Normal business hours
  • Tuesday 30th December - Normal business hours
  • Wednesday 31st December (New Year’s Eve) - Normal business hours
  • Thursday 1st January (New Year’s Day) – CLOSED

If you have questions about any of the above email us at [email protected].

Wondering whether GoCardless could be for you?
Find out more

GoCardless named a UK Future Fifty Company

We’re very proud today to be joining Tech City Uk's Future Fifty programme, a Government backed scheme supporting the UK’s most promising high growth start-ups scale and reach their full potential.

We’re in good company – previous Future Fifty participants have included Skyscanner, Graze, Swiftkey and Funding Circle while in this year’s cohort we’re joined by eleven other companies including TransferWise, JustGiving and Algomi. (Perhaps just as excitingly – we’re one of 7 Fintech companies selected which is fantastic news for the London Fintech scene!)

Philipp Stoeckl, director of the Tech City UK Future Fifty programme, said: “The new companies selected for the Future Fifty programme represent some of the nation’s most exciting and innovative digital businesses. The Future Fifty team looks forward to working closely with these new companies to help them reach the next stage of their growth journey. We also wish to congratulate the graduating companies who collectively have achieved outstanding and inspirational milestones.”

As a fast growing UK-based business (we’ve grown 600% year-on-year since launching), we're looking forward to being a part of this exciting network of peers, as well as getting support from the Future Fifty's private sector partners.

Our CEO and co-founder Hiroki Takeuchi commented: “Being selected for the Future Fifty is a real honour and something we’re thrilled to be part of. For a company that’s only two years old, it’s a massive achievement and we’re feeling very chuffed. We look forward to working with the Future Fifty team and seeing what can happen over the next year.”

Below is the full list of the other eleven companies:

  • Adzuna: Adzuna is a search engine for job ads that lists every job, everywhere.
  • Algomi: Algomi creates the network that enables all market participants to securely and intelligently harness data to make valuable financial trading connections.
  • busuu: busuu is the world’s largest platform for language learning providing interactive language courses, combined with social interaction with native speakers of the community.
  • JustGiving: JustGiving is the world’s social platform for giving, connecting causes with people who care.
  • LMAX Exchange: LMAX Exchange is the leading FCA regulated MTF for global FX trading and the UK’s fastest growing technology company.
  • Performance Horizon: Performance Horizon Group provides a world-class affiliate marketing and partner management platform that enables large enterprises to connect directly with their online and mobile publishers at scale, globally.
  • Qubit: Qubit empowers businesses to customise and optimise websites in real-time using qualitative and quantitative visitor data to deliver the right content to the right users at the right time.
  • Ratesetter: RateSetter is the one of the largest P2P lending platforms in the UK.
  • Rockabox: Rockabox provide a world leading content creation and distribution platform which hands control back to brands, agencies and publishers, helping them create, deliver and analyse video and rich media campaigns programmatically, at scale.
  • TransferWise: TransferWise is an international money transfer platform – it makes it up to 10 times cheaper to send money abroad compared to using a bank.
  • World Remit: WorldRemit is a global money transfer service – making sending simpler for friends and family in more than 110 countries.

For more visit: www.futurefifty.com

Wondering whether GoCardless could be for you?
Find out more

Introducing GoCardless Pro - the Direct Debit solution for larger organisations

An exciting new development at GoCardless today – large organisations looking for complete control over your payments and customer experience - this one’s for you…

Having opened up the world of Direct Debit to thousands of SMEs across the UK, as part of our mission to rewrite Europe’s recurring payment infrastructure, we are proud to introduce GoCardless Pro.

GoCardless Pro is specifically designed for larger organisations coupling the simplicity our customers love about the original GoCardless product with the complete control over payments and customer experience that large organisations need. We’re already working with The Guardian and many other multinational organisations, to provide them with a payments solution that lets them focus on what’s important to them.

How does it work?

With GoCardless Pro we offer a simple, modern REST API which allows you to seamlessly integrate online Direct Debit with your website or CRM. This includes full documentation, client libraries and technical support to assist with integrations.

How is it different to the original GoCardless product?

With GoCardless, you use our SUN to make the process of taking payments simpler and cheaper. It means you can get set up and start taking payments in minutes and we do all the hard work for you.

GoCardless Pro is specifically designed for larger organisations who want the simplicity of our Basic product but also need a higher level of control over the process. We will arrange for these organisations to get their own SUN and then we act as a Facilities Managed Direct Debit provider. Similarly to the Basic product we then do all the hard work for you saving you from having to get an SUN from your bank and jump through compliance hoops whilst allowing you to collect from your customers in your own name.

How is that different to other Direct Debit providers?

Like our original GoCardless product, GoCardless Pro stands out above its competitors for several reasons - here are seven of our favourites:

1. No File Uploading Needed

There is no need to extract or submit payment or refund files with GoCardless. All submissions are passed to us via the API and we ping you with the information via webhooks.

2. Real-Time Reporting and Instant Notifications

Our webhooks allow you to build out real-time reporting and let you instantly notify customers and merchants of any event. This means you’ll always know as soon as a payment fails so you can resolve any disputes more quickly and easily.

3. Predictable Costing

We have a simple transaction fee and a flat monthly fee for merchants. There are no hidden fees for things like chargebacks, payment failures or adding new customers.

4. Free and Simple to Integrate

No set-up cost and a simple REST API to build from. As well as the API, merchants will have access to the GoCardless Pro dashboards.

5. Banking errors managed by GoCardless

If a banking error or failure message is received we will immediately let you know the reasons for the failure. We will then work with you to solve any issues and then resubmit the payment. Competitors sometimes pass these back to the merchants for them to sort out themselves.

6. Refunds are made easy

Refunds are processed in the same API, whereas competitors often deliver a separate reporting flow on refunds meaning more work for you.

7. UK and SEPA in one API

GoCardless Pro is the first product to offer both UK and SEPA Direct Debit in one simple API. This means you can take payments from across Europe without needing to integrate anything else.

If it sounds like GoCardless Pro could be the solution you’ve been looking for you can find out more here or get in touch with our sales team for a free quote today.

What does this mean for existing customers?

The standard GoCardless API and dashboard will continue to work as normal. GoCardless is still the perfect option for most of our existing customers - giving simple, low price payments with easy set up and minimal admin. But if you are one of our users who have been hoping to have more control over your payments then GoCardless Pro could be the product for you.

So that’s the big news for today, but we’ve got lots of other exciting features in the works to save you even more time & money – be sure to check back to find out what we have planned!

Wondering whether GoCardless Pro could be for you?
Find out more

GoCardless: now taking payments across the eurozone

Here at GoCardless, we're on a mission to simplify recurring payments and today we took one step to bringing that even closer.

We are excited to announce, that at 10.45pm GMT today GoCardless added the ability to take payments from across the eurozone through our European payments beta.

That makes us the first business to offer UK and Euro denominated payments all through one simple integration. As usual, you can take these payments through GoCardless using our dashboard or by integrating with our API.

Equally important, we're bringing this feature to you with no extra costs or set-up fees; just our standard pricing of 1%, capped at €2. The eagle-eyed among you may notice that this is technically an even better deal than our UK pricing (with the cap at €2, instead of £2): you're welcome!

We've built our European payments product to the EU's Single European Payments Area regulations (or SEPA for short). If you want to know more about the SEPA scheme, how it works and how its different to UK Direct Debit, you can read about it on our Sepa Direct Debit Guide

We currently only offer customer support in English though, so to collect payments from the eurozone, you need to be able to handle your customers' support queries if they are not in English. As usual we'll be on hand for you if you need any help, offering great levels of support to our merchants on both UK and Euro payments.

If you want to take recurring payments across the eurozone and you can offer support to your customers in their native language, then join our beta and simplify your recurring payments today!

Recurring payments across Europe just got simpler
Take payments across Europe
in Announcements

GoCardless wins Best Fintech Startup in Europe

Europas startup award

GoCardless attended the The Europas earlier this week and were flattered to pick up "Best Fintech Startup in Europe".

Founded in 2009, the Europas are the premier awards for the hottest startups in Europe. Judged by peers from the startup and investor community, the awards celebrate the most innovative and progressive tech companies in Europe across around 20 categories. Previous winners at the Europas include Spotify, Lovefilm, Wonga and GoCardless!

We'd like to say thank you to everyone who makes our success possible. We will continue doing everything we can to delight you.

Interested in finding out more about the benefits of GoCardless for yourself? Simply sign up today in just 60 seconds!

Clearer API Documentation

This post relates to the Legacy GoCardless API. If you're starting a new integration, you'll need to use the new GoCardless API - for help getting started, check out our guide.

We’ve spruced up our API documentation, including clearer explanations and diagrams on payment flow and resource creation.

We’ve also added a new troubleshooting section to provide some answers for the most common API-related queries we receive.

Check out the updated docs here and see what you think. As always, if there’s anything you think is missing/incorrect, feel free to submit your own pull request on GitHub for review.

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in Announcements

GoCardless raises $7m

Today, we're happy to announce that we have raised $7m in Series B funding led by Balderton Capital. Our existing investors Accel Partner and Passion Capital also participated in the round.

We've known the team at Balderton for a few years now, and we've always wanted to work with them more closely. Last year was a big year for us - we are now processing $200m a year, having grown 700% in 2013. We both felt now was the right time to partner up, and take GoCardless through this next stage of development together.

We believe that payments should be one less barrier to business. Direct Debit is perfect for accepting recurring payments, but it’s been out of reach for most companies up until now. For the first time ever, we enable thousands of businesses and charities to access the system. With us, they can grow their businesses faster by improving their cash flow and freeing up time to focus on delivering value to their customers.

Last year, we expanded our team from 10 to 25 people. We will use this funding to recruit more of the best talent to help us improve scale our technology, and expand our service across Europe. Our largest customer today is 15 times bigger than that of a year ago, and we will continue to target ever larger businesses.

Our increasing scale will enable us to improve our service for all of our customers, and we look forward announcing more exciting developments over the course of this year.

Interested in joining us?
See our job listings

Payyr – A Direct Debit experiment for friends

Today, we're releasing Payyr, a free Direct Debit platform for friends. Think of it as a little Christmas gift.

Direct Debit is a fantastic payments system for businesses. As the UK's largest provider, we've helped thousands of them take control of their cash flow with it.

So what happens if you reimagine Direct Debit to help individuals collect small payments from each other? You get our new app, Payyr.

Payyr is Direct Debit for friends, on your iPhone. We've put an incredibly simple interface on top of GoCardless' next generation payments platform. Together they make IOUs a thing of the past.

Even better, Payyr is completely free, and takes 60 seconds to get set up. No contracts, no set up fees, and no transaction fees; just simple payments at last. The only limit is a collection cap of £200 per month per friend.

Payyr is very much in the experimental phase, so we can't wait to hear your thoughts.

Download Payyr from the App Store now
Get Payyr

Sage users can now get paid faster with GoCardless

Businesses using Sage can now eliminate late payments, once and for all

In just a couple of years, GoCardless has grown to serve more businesses than any other Direct Debit payments provider in this country. Over 2,500 businesses have chosen us to simplify their payments, their cash flow and their time.

Today, we're releasing a new product that will bring the full power of GoCardless into the world's most popular accounting platform, Sage. For the first time ever, businesses can set-up, bill and automatically reconcile Direct Debit payments without ever leaving Sage.

Business owners will have the confidence that every single invoice will be paid on time and in full.

We built this add-on because we want our customers to have the time they need to grow their businesses. We believe that in the computer age, no one should have to waste time chasing late payments, re-keying data between systems or reconciling bank statements. This add-on was built to make those tasks a thing of the past for Sage users.

For us, it is a huge milestone in our mission to make Direct Debit payments simpler for every business in this country. Just as eBay was the platform that drove PayPal's rise to the top, this Sage add-on will sit alongside KashFlow, Xero and 125 other key partnerships to help us achieve that mission.

This is just the start. The coming months will see GoCardless working ever more closely with our customers to help build out the only Direct Debit system that works the way business owners want. So if you have any suggestions to make GoCardless work better for you, please let us know.

Try it for yourself

If you're a Sage 50 user, find out more about taking Direct Debit payments here.

The add-on is free. We only charge a simple transaction fee - see our pricing here.

Interested in using GoCardless with Sage?
Call us on 020 7183 8674

Wired Money: An overdue revolution in B2B payments

At the inaugural Wired Money conference in London on Monday, I talked about the need for long overdue revolution in B2B payments. For those of you unable to attend, here is an overview.

Fifteen years ago, eBay was an exciting new marketplace for people to buy second-hand goods. But making payments for those products was next to impossible online. PayPal innovated around that problem, making it easy for consumers to make and take payments online. Today, companies like Stripe and iZettle are continuing this revolution.

Consumers now don't have to think about payments - they're instant, convenient and intuitive. But not so for companies.

Tom Blomfield at Wired Money

Businesses have been neglected by the digital payments revolution. Left in the dark ages, they rely on antiquated payment methods such as cheques, which still account for an astounding 80% of B2B payments in the US. To make it worse, any accountant will tell you that managing Accounts Receivable is a laborious job of sending invoices, chasing late payments and manually reconciling bank accounts. The result is that UK businesses are suffocating under £30bn of late payments.

At GoCardless we want to solve that problem by making it simple for companies to take Direct Debit payments online, which puts them in control of when they are paid. Integrations with accounting software platforms mean payments can be automatically reconciled against invoices.

By being resolutely data-driven, our automated payment system has helped businesses such as the Ask Driving Schools reduce their accounting time by 80%. Invoices, payments and receipts don't need to be re-keyed and manually reviewed. We can leave computers to manage payments and accounts for us - with the right identity and authorisation processes in place.

GoCardless is one of the leading companies in the B2B payments revolution making these transactions seamless, convenient and automated. The revolution will (dare I say, hopefully), render 90% of accounts departments redundant. Companies will have more time and money to spend on their products, their customers, and their growth.

What do you think?
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Tier One Design Mobile App

GoCardless Mobile App

Here at GoCardless we love developers, especially when they put together something cool with our API.

We've tried to make our API as flexible as possible to encourage new and interesting use cases. Previously that mostly meant web applications, but no longer!

The clever folks at Tier One Design have created an iPhone App which allows your to see a summary of all your GoCardless information on the go. You can keep up to date with all your customers, bills, subscriptions and account information all in one place right on your phone.

We love hearing from people about their experience developing with GoCardless. Have you created something awesome recently, or are you planning to integrate GoCardless with your app? Let us know!

Update (10th July 2013):

Tier One Design have just released a major update: you can now take payments from within the app. Check it out on the App Store.

Interested in building something with GoCardless?
Read the API docs

Asperato integrates GoCardless with Salesforce

Asperato logo

Exciting news for all Salesforce customers: Asperato have integrated GoCardless into their Salesforce payments solution.

Asperato?

Asperato are specialists in Salesforce payments. As well as offering custom solutions for the platform, they have several out-of-the-box AppExchange products to compliment the Salesforce Nonprofit Starter Pack. It's one of those out-of-the-box solutions GoCardless is now integrated with.

How does the integration work?

Once the Asperato App is installed, Salesforce users can create branded web forms to set up Direct Debits from within Salesforce Campaign pages. Drop down options allow users to set price, frequency as well as offer customers traditional card payment routes if required.

Once a Direct Debit is set up recurring payments are taken automatically, and the rest of your Salesforce App is kept informed. Branded confirmation emails and custom object updates are all handled neatly by Salesforce.

If you're interested in learning more, we suggest you get in touch with Asperato, who can also customise the solution in a number of ways.

Customer reactions

Customer reactions to the integration have already been extremely positive. Nicholas Smith, Director of Strawberry Hill House, commented:

Collecting membership payments via GoCardless was the perfect solution for us. We were instantly approved to collect Direct Debits. The Asperato integration with Salesforce enabled us to take our first Salesforce integrated payments within 5 days. Managing our members has never been simpler.

Visit the Asperato site to find out more.

New features in the GoCardless API

This post relates to the Legacy GoCardless API. If you're starting a new integration, you'll need to use the new GoCardless API - for help getting started, check out our guide.

Today we're extending our developer API to include three great new features: payouts, pagination & improved filtering.

Payouts

You can now query payouts in our REST API, making it possible to build features like bank reconciliation into your integration.

For each payout we'll tell you the amount, the fees charged and the reference that will appear on your bank statement.

Pagination

Using our new pagination features through the page and per_page parameters, you can cycle through your data in manageable chunks.

This is especially useful for merchants with a large number of customers or payments.

Filtering

API requests can now be filtered by a wide range of attributes. Full details are available here.

Available now

These additions have already been included in our API libraries.

If you have any questions, don't hesitate to get in touch by emailing us at [email protected] or giving us a call on 020 7183 8674.

Introducing the GoCardless Referral Scheme

We're excited to announce our new referral scheme - you can now earn money by recommending GoCardless.

We will give you 10% of the fees we make from anyone you refer, for a year. We will also give the person you refer £50 credit to go towards their GoCardless fees.

How it works

Anyone with a GoCardless account can use the referral scheme. If you are a reseller or don't have an account, you can create one for free in seconds.

The scheme is really easy to use. We give you a referral link which you can share with anyone you wish to recommend us to. This link can be found in your account settings.

GoCardless Referral Scheme Link

You can share this link by email, social networks or word of mouth; or from your blog or website.

When the person you refer clicks your link they will be taken to our site. We will remember that it was you that referred them to us and if they sign-up, on this or a subsequent visit, we will activate both of your referral bonuses.

Just let us know if they forget to use your link - we can easily activate the referral link for you.

Everyone you refer will be displayed in the referrals section of your account. We will show you when they signed-up and how much commission they have earned you.

GoCardless Referral Scheme Link

Click here to find your referral link.

-The GoCardless Team

Find out more at gocardless.com/refer or email [email protected].

Introducing instant access to variable Direct Debit

Direct Debit logo

We're excited to announce our new variable Direct Debit tool. Taking recurring payments has never been easier.

We're really proud of this product - now any SME can access Direct Debit through a cutting edge online tool. GoCardless is accessible without the lengthy application process, up-front fees and transaction limits usually associated with Direct Debit -- we give you instant, free access.

For our press release, please see here.

The inspiration

GoCardless now serves more companies than any other UK Direct Debit provider, and many of our customers have taken the time to tell us exactly what they want from online Direct Debit. We listened.

Business owners told us they wanted the flexibility to bill varying amounts on an ongoing basis. So we started building it. And we kept listening -- testing this tool with hundreds of companies.

This release is the result of their generously given feedback. Thanks to them it offers the flexibility to meet the needs of any business. And we won't stop listening now. If you need it to work differently just tell us.

How it works

From the GoCardless website you can request online Direct Debit authorisation from customers in two clicks. No more paper mandates - your customer can authorise online in seconds.

Once authorised you can take one-off and recurring payments automatically. We will notify your customers by email every time a new payment is taken, but they won't have to lift a finger.

Take a payment

Sound like it might be a good fit for your business? Finding out for sure couldn't be easier -- you can sign-up online and try the product in under 10 minutes. There are no commitments so it's completely risk-free.

We really hope you like this product -- we built it for you!

-The GoCardless Team

Find out more about collecting Direct Debit payments
Watch a Demo
in Announcements, Customers

Teaming up for easy gym payments

Teamup Logo

Managing your gym just got easier: teamup now supports GoCardless.

Introducing teamup

Teamup take the pain out of managing a fitness business. If you're looking for an easy way to collect recurring membership fees, manage classes, and collect one-off drop-in fees, you should check them out.

Seamless integration

Teamup have done a fantastic job of integrating Direct Debit into the heart of their product. It's the UK's preferred way to take recurring payment, and with GoCardless and teamup, it's now an even more attractive proposition:

  • It's incredibly cheap - taking Direct Debits is much cheaper than taking card payments. GoCardless costs £0 to sign up. It's £0 per month. Our monthly minimum is £0. All it costs is 1% per transaction, capped at £2.
  • It's incredibly easy to use - teamup was built specifically to make managing fitness payments easy. With the addition of GoCardless, it just got even easier. We take care of all the complexities of Direct Debit, and you can manage everything within teamup.
  • Signing up is instant - you'll be collecting payments using GoCardless within 60 seconds, and with absolutely no up-front fees or commitments.

Get started instantly, for free

Getting started with teamup is free and instant, just as with GoCardless. If you're a fitness business why not give it a try today?

Building your own application?

If you're interested in allowing users of your own application to collect money via GoCardless, our partner programme could be perfect for you. You can even take a commission for yourself.

Interested? Get in touch with us at [email protected].

in Announcements, Customers

A Perfect Partnership

Buy our Honeymoon Logo

At GoCardless we’re always impressed with the innovative services offered by our users. We're particularly enamoured with Buy Our Honeymoon.

They solve the problem of unwanted wedding gifts by providing a site for couples to set up a wish list of honeymoon experiences, activities and upgrades. Wedding guests can then select a gift and pay via Direct Debit using GoCardless.

Their service includes a number of nice touches such as customised notification cards to send out to wedding guests and gift certificates for guests to give on the wedding day.

Andrew Green, who wrote the GoCardless integration and runs the service with his wife Shelley, describes the benefits:

We wanted to offer couples a cheaper alternative to PayPal and GoCardless’s fee structure provides just that. Their service means less paid in transaction costs and more paid towards a couple’s wedding gifts.

Acting as a GoCardless partner using our API allows Buy Our Honeymoon to provide Direct Debit payments with incredible ease.

If you're interested in allowing users of your own application to collect via GoCardless, with the possibility of taking a commission for yourself, please do get in touch with us at [email protected].

Buy Our Honeymoon DD Present

in Announcements

Two awards in two days

Europas startup award TheNextWeb startup award

We're flattered to have won two awards last week. GoCardless was voted "Best UK Startup" at The Europas, and "Best Web App" at TheNextWeb Startup Awards.

We'd like to say thank you to everyone involved. We'll continue doing everything we can to delight you.

PS. Register your interest using GoCardless across Europe here.

in Announcements

We are looking for an Office Manager

We are a fast growing company in need of someone awesome to help make our company and team run smoothly. You need to be smart, organised and great at getting stuff done.

It is a great role with lots of variety. You will be responsible for many of the important bits of running a growing company - everything from accounts & HR, to setting up our new office.

What are we looking for?

You are the kind of person who can be trusted with sensitive information, or important tasks. Most importantly, when you say you will do something, we know that it will be taken care of.

Here are some things you would have done last week:

  • Helping our accountant with our monthly management accounts
  • Finding us a new office
  • Dealing with accounts payable
  • Liaising with HMRC
  • Writing job ads
  • Organising our space at a careers fair
  • Arranging contracts and option agreement for new hires
  • Ordering computer equipment for new joiners

Here are some things you could do if you joined next week:

  • Developing new company processes. For example, to help new hires integrate quicker.
  • Managing the interview process for job applicants
  • Hiring a plumber to fix our kitchen
  • Organising the Team Christmas Party
  • Team Scheduling
  • Liaising with our landlords
  • Paying everyone (people get unhappy when this doesn't happen)
  • Working out when to transfer USD 2 million into GBP to get the best exchange rate

Why join us?

It's a challenging role - at the moment these responsibilities are generally split amongst the founders. But if you are looking for an autonomous role with lots of responsibility then this could be the perfect job for you.

Furthermore, it's a great place to work - you will be surrounded by smart people who all get on, and we encourage a casual, fun work environment: hours are flexible, and we like a game of pool or table football during the day.

Email [email protected] if you think you might be suitable, or know someone else who is.

NB. This is based on a blog post / job ad originally by 37 signals. Original visible here.

in Announcements, Business

Coming soon: Take payment across Europe with GoCardless

One of our most requested features is the ability to take payments across Europe. We are extremely excited to announce that this will be available from early next year. In fact we are already submitting test payments across Europe with selected pilot partners.

We will be offering the ability to take Direct Debit across Europe via a single API. This will be perfect for everything merchants already do in the UK such as recurring payments and B2B invoicing. It will also make it easier for you to collect in countries where people prefer to pay with their bank details, like Germany and the Netherlands.

Are you thinking about collecting Direct Debit across Europe? Get in touch - our solution will save you significant amounts of time and money.

Register your interest using GoCardless across Europe here.

PS. If you have a second to spare we would love to hear which countries matter most to you, and what problems you are currently experiencing that we may be able to help with.

in Announcements

Your company name now appears on customer bank statements

We're pleased to announce an improvement to GoCardless: from now on, your company's name will show in the reference of your customers' Direct Debit Instructions. In most cases, that's shown on the bank statement.

Here's an example for a merchant called London Coffee:

To change it...

You can change the name that appears on new customers' bank statements. To do this, log into your GoCardless dashboard and click 'Settings'. You'll see the 'Merchant Settings' section:

At the bottom, simply edit the 'Name on Bank Statement' field to whatever you want. You can use a max of 12 characters. 

As always, if you have any feedback on the new feature, let us know - email us at [email protected].

in Announcements, Customers

A big welcome to Clear Books!

We've got some exciting news: all Clear Books customers can now collect their invoices using GoCardless!

Clear Books?

Clear Books take the pain out of accountancy for thousands of freelancers and small businesses. If you're looking for an easier way than spreadsheets, paper receipts and accountants, you should check them out.

Seamless integration

We've been working incredibly closely with the Clear Books team over the last couple of weeks. Pooling our resources, including working from each other's offices, we've delivered an integration that feels completely seamless:

  1. Signing up is a cinch - you'll be collecting payments within 60 seconds. Check out our helpful guide if you have any trouble.

  2. Automatic payment collection - with GoCardless your customers can authorize you to bill them a variable amount each month. Invoice payment is then automatic!

  3. Payments reconcile themselves - no more matching bank statements with invoices;  an invoice's status will update automatically the moment it's paid.

  4. Our fees are as low as ever - GoCardless costs £0 to sign up. It's £0 per month. Our monthly minimum is £0. All it costs is 1% per transaction, capped at £2.

Get started instantly, for free

Getting started with GoCardless is instant, and it's free. Just follow our helpful guide.

in Announcements

Introducing our new payment pages

We've been working hard on our payment pages to bring them up to date with our new branding and improve the user experience for our customers.

Our new payment pages have been written from the ground up with speed and device agnosticism in mind. The new pages are, on average, over 60% faster than the previous version and now look great on your phone.

Check out the new design now at http://gocardless.com/example-checkout

Not using GoCardless yet? Sign up now.

in Announcements, Customers

Hello SpreedlyCore!

We have some good news: all SpreedlyCore customers can now collect their invoices using GoCardless!

What is SpreedlyCore?

SpreedlyCore is an API for payment gateways. It allows you to take payments through multiple methods: GoCardless, PayPal, Dwolla as well as traditional credit cards. Developers who want to take payments in multiple territories can now take payments using GoCardless, allowing you them to expand their reach to customers by using GoCardless as well as taking advantages of SpreedlyCore's other offerings. 

They support 39 gateways and are planning to offer more. To see their full list, click here.

How can I use GoCardless with SpreedlyCore?

You can use us with SpreedlyCore in two different ways:

(1) Work directly with the SpreedlyCore API to develop an application that accepts payments via multiple methods. This includes secure storage, creating your own UI, working with whatever payment gateway you prefer, and support for newer payment types.

(2) Use one of the SpreedlyCore partner offerings for your business. These include:

Subscription billing management

  • Fusebill

  • ChargeBee

Ecommerce

  • Zenbilling 

  • Cloudswipe 

For more detail on these offerings, check SpreedlyCore's blog here.

We hope that this helps more people take advantage of our super low pricing and smooth, hassle-free payment collection.

For enquiries on how to get GoCardless set up on SpreedlyCore, contact SpreedlyCore support at [email protected]

Hello FreeAgent!

We've got some big news: all FreeAgent customers can now collect their invoices using GoCardless!

FreeAgent?

If you haven't heard of FreeAgent, you've been missing out. Just like KashFlow, they take the pain out of accountancy for thousands of freelancers and small businesses. If you're looking for an easier way than spreadsheets, paper receipts and accountants, you should check them out.

Seamless integration

We've been working incredibly closely with the FreeAgent team over the last couple of months. We've even dabbled in some epic commuting between London and Edinburgh. The result is an integration that feels completely seamless.

1) Signing up is a cinch - you'll be collecting payments within 60 seconds. Check out our helpful guide if you have any trouble.

2) Invoices are automatically marked as paid - FreeAgent will update an invoice's status the moment your customer pays, so you'll never have to reconcile payments.

3) Our fees are as low as ever - GoCardless costs £0 to sign up. It's £0 per month. Our monthly minimum is £0. All it costs is 1% per transaction, capped at £2.

Pre-authorizations are on their way

If that's not enough, we're working on something even bigger with FreeAgent - automatic payment collection from your customers. Soon they'll be able to authorise payment to you just once, and then take payment automatically each time you invoice.

Never chase payment again. If you want to see that sooner, let us know.

in Announcements

Exciting new features for PayLinks

We've been working on some exciting stuff at GoCardless in response to your feedback on what features you'd like. We're pleased to announce them here.

Customizable PayLinks

We're excited to announce two new advanced options to make PayLinks (now GoCardless Dashboard) more convenient to use. When creating a PayLink, simply click 'Advanced Options' and you will have access to these features:

1) Specify where users are sent after they've paid: check out the 'Redirect customers after checkout' section in 'Advanced Options' when creating a PayLink. 

2) Specify start and end dates for subscription payments: For example, you could specify monthly payments starting on the 1st of the month and stopping after 6 months.

Both these options are under 'Advanced Options' for any recurring PayLink you create. (If you can't see these, change the frequency from 'Once' to any of the other frequencies).

PayLinks for all!

We're equally excited to be able to give everyone access to PayLinks, our simple user interface for creating payment requests.

However you normally use GoCardless, you'll now see a 'PayLinks' tab in the top left of your GoCardless dashboard. From there you can create Direct Debit requests incredibly easily.

Feedback

As ever, we'd love to hear your feedback and thoughts on GoCardless. Don't hesitate to get in touch with us at [email protected]!

in Announcements

Start collecting money in seconds with PayLinks

It’s like a Bit.ly for payments - when someone clicks your link, you get paid!

Accepting payments online has long been a painful process; payment companies seem to delight in getting in people’s way. At GoCardless, it’s our mission to change that. We believe a great payment experience is all about getting out of the way.

We’re extremely excited to announce the launch of PayLinks (now GoCardless Dashboard): a simple web interface for the GoCardless API that lets you start collecting money in 60 seconds. We’re also pleased to announce PayLinks will share our market-leading pricing: just 1%, with no hidden fees or monthly minimums.

There’s no complicated sign-up process or merchant account requirements; you can sign up in 60 seconds and start collecting money immediately. All you need is an email address and a UK bank account.

Once signed up, you can create a PayLink in two clicks. Simply enter an amount and a description, and we generate a shortened link - a PayLink - you can share with anyone. When someone clicks that link, they’re sent to our secure payment page to pay using their bank account number and sort code. It’s like a Bit.ly for payments - when someone clicks the link, you get paid!

You can use PayLinks for pretty much anything. Want to add a ‘Buy now’ button to your website? Embed a PayLink on your site. Tired of waiting for your customers to pay their invoices? Send them a PayLink via email. Trying to collect money for an event? Tweet out a PayLink. If you’re a developer, you can also use PayLinks to try out GoCardless before a full API integration. You can find out more about how it works on our site.

While in beta, PayLinks has already been used for everything from beef jerky subscription boxes to bill-splitting between friends. We can’t wait to see what you’ll do with it!

Our mission is to make payments cheap & simple, both for customers and merchants. We believe that PayLinks (now GoCardless Dashboard) does both of these things.

So what are you waiting for? Sign-up now. It will take 60 seconds to get started and there’s no commitments. Go on, it might just be the best thing you do today!

Using GoCardless to collect money on Teamer

Teamer is an online tool to help make organising sports teams easy. One of the great features they provide is an easy way to collect payments from team members for subs etc. They use GoCardless to handle payments. Here's a quick overview of making and receiving payments on Teamer.

Setting up your account to receive payments as a team organiser

  1. Login to Teamer
  2. Click the 'Payments' tab in the main navigation bar to go to the Payments Centre
  3. If this is your first time in the Payment Centre then click the 'Get me started!' link on the splash page
  4. Click 'New Collection Acct' button to set up your team's bank account
  5. Create a password for your GoCardless account and click 'Next step'
  6. Enter your club details and click 'Next step'
  7. Enter your club bank details and click 'Create merchant account'
  8. Your bank account will now show up under 'Collection Accounts' at the bottom of the Payments Centre page

Requesting payment

  1. In the Payments Centre click 'New Payment Request'
  2. Enter the required details about what you're collecting for then click 'Save'
  3. Select the team members you're requesting payment from by clicking the 'add to player list' button by each person in the 'Squad' list
  4. At the bottom of the list 'Payer list' in the 'Send Notifications' box, click either 'Send now' or 'Send later'
  5. You can now see the payment status for each player (and update each manually if you need to)

Making a payment

When your team organiser requests a payment you will receive an email or SMS. Click on the included link and then do the following to make payment:

  1. Login to Teamer
  2. Click the 'Payments' tab in the main navigation bar to go to the Payments Centre
  3. If this is your first time in the Payment Centre then click the 'Get me started!' link on the splash page
  4. Click the 'Pay full amount' button next to the payment you wish to make
  5. Enter your details on the GoCardless payment page and click 'Next'
  6. Click 'Agree and Continue' to set up the Direct Debit Instruction (NB. you only have to complete this step for the first payment)
  7. Choose a password for your new GoCardless account then click 'Confirm this bill'

Sign up for Teamer now to make managing your team simple. If you get stuck with GoCardless payments within Teamer then email us and we'll help you out.

A couple of myths about GoCardless and KashFlow

We’ve really pleased to be integrated with the good people at KashFlow. Over 500 businesses have already signed up to collect money easily and cheaply with GoCardless, straight from their KashFlow account. We've noticed there are a few myths doing the rounds though, which we want to bust once and for all.

Myth 1: You can't collect money by card if you're using GoCardless with KashFlow

We understand where people are coming from with this one, but it couldn't be further from the truth! KashFlow lets you easily set up GoCardless to collect Direct Debits from your customers while letting you keep a card provider for one-off payments and the "PayOnline" button that appears on your invoices. Our comprehensive guide describes how.

Myth 2: Collecting large amounts online can get expensive

Not with our fees it won't! As well as charging just 1%, much lower than our competitors, our maximum fee per transaction is £2.00. We won't charge you more than that, even if you're collecting £5,000.

Using GoCardless with KashFlow alongside another payment provider

Want to use GoCardless with KashFlow for your subscription and regular customers, while still giving others the option to pay by card? This post will get you set up as quickly as possible. It assumes you're already using KashFlow (if you're not, and you're looking for simple accounting software, check them out),  and that you have a card provider set up already.

At the end of this guide you'll have GoCardless set up to take subscription payments while your existing provider will be powering the PayOnline button on your invoices and be used for taking one-off payments. Don't forget that collecting money via card is around three times more expensive that using GoCardless. If you want to save money we highly recommend setting up GoCardless as your exclusive payment provider in KashFlow.

Step 1 – Sign up for GoCardless

First things first, to get you set up to receive payments using GoCardless we need to sign you up for the system. This part couldn't be simpler - just follow the instructions below:

  1. From within KashFlow, go to the "Settings" tab. Scroll down to the bottom and click the "GoCardless" link
  2. From here click "Create a GoCardless account" and fill in your details. If you have any trouble let us know
  3. Once you've filled in your details you'll be returned to the KashFlow site. On this page you can enter some details to customise the experience for your customers (don't worry though, the defaults are sensible):
    • The message option lets you enter what's displayed to the user in their browser after they enter their details and pay you. 
  4. The email options customise the email that's sent to customers when you send out a direct debit request.
  5. The Bank Account and Payment Method options are used in KashFlow to help you keep track of where your money is (they don't affect payment, but you should set them to match the account you entered on the GoCardless page).
  6. Uncheck the auto-configure button at the bottom of the page to avoid losing your current settings (we'll do the configuration manually in the next section)
  7. Click the Update button (IMPORTANT! You must click the update button to complete set-up)
  8. You're all signed up!

Step 2 – Adjust your settings so GoCardless and your other provider work together

Next we need to adjust your settings so that GoCardless and your current provider can work in harmony. This part can be a little counter-intuitive (we're working on making the process clearer), but if you follow the steps below you'll be set up in no time.

  1. From within KashFlow, go to the "Settings" tab and click the "Card Options" link (it's near the bottom of the page). The page that you're taken to should have a "Cardholder Not Present Payments" section and a "PayOnline - Customer Payments" section.
  2. To use GoCardless alongside your current payment provider, both sections need to have identical details in them, so copy the details from the "PayOnline" section to the "Cardholder Not Present" section. (If both sections are blank you're probably using PayPal for your "PayOnline" button. I that case, set GoCardless as your payment provider in both sections)
  3. Click Update. (IMPORTANT, if you don't click Update your changes won't be saved!)
  4. It might seem counterintuitive, as you haven't entered any details of GoCardless for either section, but that's all the setup work done

Your old (card) provider will now continue to power your PayOnline button, but you'll also be able to use GoCardless to collect money via direct debit.

Step 3a – Set up pre-authorizations with your customers and collect from them instantly

Now you're ready to use GoCardless to collect some money. We'll start by setting up a pre-authorization, which is just like it sounds - an authorization from your customer to take money from them in the future, on a regular basis. For example, we often pre-authorise Gas and Electricity providers to debit our accounts - now you can do the same with your customers. At the end of this section you'll have the ability so set up pre-authorizations with your customers, and then collect money from them with just a couple of clicks.

First we create a pre-authorization:

  1. From within KashFlow go to the "Customers" tab and create a new, test customer. From the details page for that new customer click the "Other Info" tab.
  2. Click "Set up a Direct Debit Mandate" and fill in the form
    • The "Maximum Amount" field is the maximum per month (or year) that you're asking your customer to authorise you to take from them. (At GoCardless we give a bit more security to the customer than your typical Gas or Electricity provider by asking them to authorise only up to a maximum amount)
  3. The "Title" field should be what the customer is paying for
  4. The "Description" field should give some context about the items or the invoice for the customer
  5. The email address is where we'll send the pre-authorization request to. For the purposes of testing you should enter your own email address
  6. Click "Send Email" and check your inbox. You should have a message from GoCardless you can use to see what the user experience is like! Note that you'll need to sign up for a second GoCardless account (this time as a user - your KashFlow GoCardless account is as a merchant), and we require you to use a different email address for that signup.

You've just created (and approved) your first pre-authorization with GoCardless! (There's also another way you can do the above: when you're looking at an invoice, if you click "Take Cardless Payment" and then "Set up a Direct Debit Mandate for this customer" you'll be directed to the same form as in step 2.)

Now let's use that pre-authorization to collect some money.

  1. You should have received an email letting you know the pre-authorization is all set up. Now, within KashFlow, if you go to the "Other Info" section of the customer's account you'll see the mandate you have set up with them
  2. To collect money using the pre-authorization you've set up you first need to go to an invoice for the customer. Since in this test case we're playing the role of customer as well as merchant, you'll probably need to create a new invoice (do this just as you normally would by going to the Sales tab in KashFlow and clicking the "New Invoice" button. Fill in the form and click "Add Invoice")
  3. Add some items to that invoice. Let's make them small for now - say £1.00 (GoCardless is the cheapest payment processor out there, but we still charge 1% and there's no point throwing money away on tests!)
  4. Scroll to the bottom of the invoice and click the "Take Cardless Payment" button which should now be there.
  5. You'll be redirect to a page asking you the amount you'd like to collect. Enter the amount and click "Take Payment". You just collected £1.00 from yourself - it's that simple!

Step 3b – Set up a recurring bill for a fixed amount each month

A recurring payment is just a pre-authorization that automatically generates a bill each month for the same amount. As such, this section is very similar to the previous one. At the end of this section you'll have the ability so set up a recurring bill that automatically invoices and collects money from your customer each month (or week, or year, etc.).

Let's create a recurring bill to test it.

  1. From within KashFlow go to the "Customers" tab and create a new, test customer.
  2. Now go to the "Sales" tab and click "Repeat Billing". From there click "Add Repeating Invoice" and fill in some basic details. Under the "Include a Payment" heading select "Collect and record full amount via Direct Debit" and then press "Add repeating invoice"
  3. If you don't already have a pre-authorization set up with the customer you're adding a repeating bill for you'll be directed to a form to set one up. (You can skip the next two steps if you already have a pre-authorization set up)
  4. Fill in the form on the page you're redirected to
    • The "Maximum Amount" field is the maximum per month (or year) that you're asking your customer to authorise you to take from them.
  5. The "Title" field should be what the customer's paying for
  6. The "Description" field should give some context about the items or the invoice for the customer
  7. The email address is the location we'll send the pre-authorization request. For the purposes of testing you should enter your own email address
  8. Click "Send Email" and check your inbox. You should have a message from GoCardless you can use to see what the user experience is like! Hold off on clicking through for a moment though - let's finish the repeating invoice setup first.
  9. After clicking "Send Email" you'll have been redirected back to your repeating invoice setup page. The page now has an additional section: "Items on this Repeat Invoice", and the ability to add some items. Add some items to the invoice and then click "Update" (IMPORTANT: don't forget to click update!)
  10. You're done with the bill setup. To see what it's like from the customer side go to the email you sent yourself and click through the payment approval process. (Note that you'll need to sign up for a second GoCardless account with a different email address, as your KashFlow GoCardless account is a merchant account, not a customer account.)
  11. Once you've clicked through and entered your details you'll receive an email informing you the customer has approved the direct debit mandate. The system will then automatically email the customer each month an invoice, which will be automatically paid by direct debit. * * *

Once you've completed the above, you'll be set up to use GoCardless alongside your current card provider. GoCardless will be your default for repeating invoices and variable direct debit payments, while the button on your invoices and any one-off payments you take will be through your card provider.

Hopefully this guide has told you everything you need to know to get up and running with easier, cheaper payments through GoCardless. Don't forget that we're always here to help though - you can email us any time.

See you on GoCardless soon!

LarderBox

The LarderBox is one of a number of monthly subscription services using GoCardless. Starting at £16.50/month, they deliver a hand-picked selection of speciality food products to your door. The service launched in January and is growing fast.

Prior to using GoCardless they were accepting payments using PayPal. This was causing three key problems:

  1. They were paying around 5% transaction fees which cut into their profit margins.
  2. The system wasn't ideally suited to recurring payment with some users struggling to sign up, leading to lots of support queries
  3. It was difficult to know who had paid, causing problems on the ops side as they didn't know when they were safe to distribute produce

Their main concern when signing up was that people might be more reluctant to sign-up with their bank details so it's something that we've kept a close eye on for them, and in fact they've had similar (if not higher) rates of conversion since making the switch.

Furthermore, having made the switch to GoCardless they have found it has made a huge difference to their business and solved each of the three issues they were facing:

  1. Our fees of just 1% save them £4 on every six month subscription. This equates to hundreds of pounds saved each quarter.
  2. Since switching they have had a drop-off in the number of support queries about their payment process and even some appreciative emails from customers about how smooth the new process is!
  3. Our merchant dashboard gives live and easy-to-use information on everything they need to make decisions, respond to customers and run their business.

Founder, Tristan Watson, says "I'm so glad we made the move to GoCardless. Making the switch was easy after what we've grown to expect from payment providers. The product is fantastic - particularly for recurring payments - and I honestly can't recommend them enough to other subscription businesses."

To start collecting online payments for your business using bank-to-bank transfer, check out our getting started blog post then sign up on our homepage. If you have more questions then check out our FAQ.

in Announcements

An Introduction to GoCardless

You've heard of GoCardless and now you want to start collecting money online. Here's a walk-through of the process you need to go through to integrate with our API.

Summary

  1. Sign up on our homepage. This creates a test account in our Sandbox. (NB. To log back in to the sandbox you need to visit http://sandbox.gocardless.com rather than using the login link on our homepage.)
  2. Check out our documentation.
  3. Use one of our API client libraries to generate a payment link. Make sure that you are using the library in 'sandbox' mode. There are three payment types: one-off bill, subscription and pre-authorization.
  4. Create a page that 'confirms' new payments (all of our libraries have an easy function to do this, see our documentation for "Completing the payment") and update the 'Redirect URI' in the Developer panel to point to that page.
  5. Click on the payment link you generated and make a test payment (make sure you log-out of your sandbox account first!). Don't worry, in the sandbox no payments are actually processed. You can also use test bank details - Account number: 55779911; Sort code: 20-00-00.
  6. After completing payment, you will get redirected to your confirmation page.
  7. Once you are happy with your integration then click 'Upgrade to a live account now' at the top of the sandbox dashboard (if that link has disappeared then email us).
  8. You will be asked to enter some basic details about what you're collecting money for. Then you will be taken to your live dashboard. Your production account comes with a new set of API keys so grab those from the Developer panel and copy/paste them into your code. Also, make sure that you're no longer making API calls in sandbox mode. NB. Your sandbox credentials will continue to work in the sandbox so you can continue to experiment if you wish.
  9. You're done! Though it might be a good idea to make a test payment in your production environment too.

Screen-by-screen walkthrough

  1. Click the orange 'Try it for free' or 'Get started now' button on our homepage:
  2. You'll be taken to the signup form below where you fill in your details. NB. If you're collecting payments for yourself (or you're a sole-trader) then simply enter your name or the name of your organisation as your business name. Then click 'Create your account'.
  3. This gets you into the developer sandbox and gives you various information to help you get started including links to our API documentation.
  4. If you scroll down on that page than you'll find you API keys which you'll need to copy and paste into your code. You'll also see where to update your 'Redirect URI':
  5. Once you have tested your integration and are happy with it, click ‘Upgrade to a live account now' at the top of your sandbox pages. You'll be taken to this page to enter more details about your business: 
  6. Once you complete that form then you're taken to your dashboard in the production environment.

This post should have helped to give you an idea of the process to go through to accept your first payment online with GoCardless. If you still have any questions then please feel free to email us any time - we're here to help!

Using GoCardless with KashFlow

We've had a phenomenal response since integrating with the good people at KashFlow in early February. Over 450 businesses have signed up to collect money easily and cheaply with GoCardless, and every day we hear more positive feedback. We've also been receiving the following question more and more, which we'll answer as simply as we can here: how can I get set up to use GoCardless with KashFlow today?

This post is a step by step guide, designed to get you up and running with GoCardless on KashFlow as quickly as possible. It assumes you're already using KashFlow (if you're not, and you're looking for simple accounting software, check them out). First we'll go through signing up for GoCardless, and then each of the collection methods you can use GoCardless for in KashFlow.

This post helps you set up GoCardless as your exclusive payment provider in KashFlow, which is what we recommend (our low fees will save you money, and your payment process will be easier to use). If you want to use GoCardless alongside your current KashFlow payment provider read our guide here.

Step 1 – Sign up for GoCardless

First things first, to get you set up to receive payments using GoCardless we need to sign you up for the system. This part couldn't be simpler - just follow the instructions below:

  1. From within KashFlow, go to the "Settings" tab. Scroll down to the bottom and click the "GoCardless" link
  2. From here click "Create a GoCardless account" and fill in your details. If you have any trouble let us know
  3. Once you've filled in your details you'll be returned to the KashFlow site. On this page you can enter some details to customise the experience for your customers (don't worry though, the defaults are sensible):
    • The message option lets you enter what's displayed to the user in their browser after they enter their details and pay you. 
  4. The email options customise the email that's sent to customers when you send out a direct debit request.
  5. The Bank Account and Payment Method options are used in KashFlow to help you keep track of where your money is (they don't affect payment, but you should set them to match the account you entered on the GoCardless page).
  6. Check the auto-configure button at the bottom of the page
  7. Click the Update button (IMPORTANT! You must click the update button to complete set-up)
  8. You're all signed up!

Step 2a – Add a 'Pay Online' button to your invoices and power it with GoCardless

Now you're set up let's use GoCardless to power a "Pay Online" button on your invoices (you can skip to the other sections if you instead want to set up a pre-authorization or a recurring bill. This is perfect for one-off billing, and because our fees are lower than any card provider (1%, up to a maximum fee of £2.00) it will save you money.

At the end of this walkthrough you'll have a "pay online" button on each of the invoices you email, linked up to your GoCardless account. You'll also have the option to go straight to a payment page from your computer (useful if your customer is sitting with you).

First we need to set up your account.

  1. If you haven't already signed up for GoCardless do that now. Checking the "auto-configure" box in the final step of that signup should mean everything's already set up, but we'll go through it here just to be sure
  2. From within KashFlow, go to the "Settings" tab. Scroll down to the "Invoice Options" link (it's about half way down the page) and click that. From there click the "Payment Button" link, and on the page you're taken to select "PayOnline" as your Payment Button option and click Update. (IMPORTANT, don't forget to click Update!)
  3. Now you'll have payment buttons on your invoice, but they're not linked to GoCardless. To link them up go to the "Settings" tab again, and click the "Card Options" link (it's near the bottom of the page). Near the bottom of the page you're taken to look for the "PayOnline - Customer Payments" section and uncheck the "Use above settings" box. Then select GoCardless as your "Payment Processor", set the Payment Method as Bank Transfer, and the Currency as GDP
  4. Click Update. (IMPORTANT, if you don't click Update your changes won't be saved!)

That's all the setup work done! Now let's create a bill to test it.

  1. Create a new invoice, just as you normally would in KashFlow (go to the Sales tab and click the "New Invoice" button. Fill in the form and click "Add Invoice")
  2. Add some items to that invoice. Let's make them small for now - say £1.00 (GoCardless is the cheapest payment processor out there, but we still charge 1% and there's no point throwing money away on tests!)
  3. Scroll to the bottom of the invoice and click the "Take Card Payment" button which should now be there. This will take you to your GoCardless options for collecting payment
  4. For now let's click option 2 and test invoice emails. Enter your own email address (normally it'd be your customer's email address here, but we're testing), some details, and click "Send Email"
  5. Now check your emails, open the invoice, and click the pay online button to see what the user experience is like. Note that you'll need to sign up for a second GoCardless account (this time as a user - your KashFlow GoCardless account is as a merchant), and we require you to use a different email address for that signup
  6. You've just created (and paid) your first bill with GoCardless!

Step 2b – Set up pre-authorizations with your customers and collect from them instantly

A pre-authorization is just like it sounds - its an authorization from your customer to take money from them in the future, on a regular basis. For example, we often pre-authorise Gas and Electricity providers to debit our accounts. Now you can do the same with your customers. At the end of this section you'll have the ability so set up pre-authorizations with your customers, and then collect money from them with just a couple of clicks.

First we need to set up your account.

  1. If you haven't already signed up for GoCardless do that now. Checking the "auto-configure" box in the final step of that signup should mean everything's already set up, but we'll go through it here just to be sure
  2. From within KashFlow, go to the "Settings" tab and click the "Card Options" link (it's near the bottom of the page). On the page you're taken to look for the "Cardholder Not Present" section and select GoCardless as your "Payment Processor". Set Payment Method as Bank Transfer, Currency as GDP
  3. Click Update. (IMPORTANT, if you don't click Update your changes won't be saved!)

That's all the setup work done! Now let's create a pre-authorization to test it.

  1. From within KashFlow go to the "Customers" tab and create a new, test customer. From the details page for that new customer click the "Other Info" tab.
  2. Click "Set up a Direct Debit Mandate" and fill in the form
    • The "Maximum Amount" field is the maximum per month (or year) that you're asking your customer to authorise you to take from them. (At GoCardless we give a bit more security to the customer than your typical Gas or Electricity provider by asking them to authorise only up to a maximum amount)
  3. The "Title" field should be what the customer is paying for
  4. The "Description" field should give some context about the items or the invoice for the customer
  5. The email address is where we'll send the pre-authorization request to. For the purposes of testing you should enter your own email address
  6. Click "Send Email" and check your inbox. You should have a message from GoCardless you can use to see what the user experience is like! Note that you'll need to sign up for a second GoCardless account (this time as a user - your KashFlow GoCardless account is as a merchant), and we require you to use a different email address for that signup.

You've just created (and approved) your first pre-authorization with GoCardless! Now let's use that pre-authorization to collect some money.

  1. You should have received an email letting you know the pre-authorization is all set up. Now, within KashFlow, if you go to the "Other Info" section of the customer's account you'll see the mandate you have set up with them
  2. To collect money using the pre-authorization you've set up you first need to create an invoice for the customer. Do this in KashFlow just as you normally would (go to the Sales tab and click the "New Invoice" button. Fill in the form and click "Add Invoice")
  3. Add some items to that invoice. Let's make them small for now - say £1.00 (GoCardless is the cheapest payment processor out there, but we still charge 1% and there's no point throwing money away on tests!)
  4. Scroll to the bottom of the invoice and click the "Take Card Payment" button which should now be there.
  5. You'll be redirect to a page asking you the amount you'd like to collect. Enter the amount and click "Take Payment". It's that simple!

Step 2c – Set up a recurring bill for a fixed amount each month

A recurring payment is just a pre-authorization that automatically generates a bill each month for the same amount. As such, this section is very similar to the previous one. At the end of this section you'll have the ability so set up a recurring bill that automatically invoices and collects money from your customer each month (or week, or year, etc.).

First we need to set up your account.

  1. If you haven't already signed up for GoCardless do that now. Checking the "auto-configure" box in the final step of that signup should mean everything's already set up, but we'll go through it here just to be sure
  2. From within KashFlow, go to the "Settings" tab and click the "Card Options" link (it's near the bottom of the page). On the page you're taken to look for the "Cardholder Not Present" section and select GoCardless as your "Payment Processor". Set Payment Method as Bank Transfer, Currency as GDP
  3. Click Update. (IMPORTANT, if you don't click Update your changes won't be saved!)

That's all the setup work done! Now let's create a recurring bill to test it.

  1. From within KashFlow go to the "Customers" tab and create a new, test customer.
  2. Now go to the "Sales" tab and click "Repeat Billing". From there click "Add Repeating Invoice" and fill in some basic details. Under the "Include a Payment" heading select "Collect and record full amount via Direct Debit" and then press "Add repeating invoice"
  3. If you don't already have a pre-authorization set up with the customer you're adding a repeating bill for you'll be directed to a form to set one up. (You can skip the next two steps if you already have a pre-authorization set up)
  4. Fill in the form on the page you're redirected to
    • The "Maximum Amount" field is the maximum per month (or year) that you're asking your customer to authorise you to take from them.
  5. The "Title" field should be what the customer's paying for
  6. The "Description" field should give some context about the items or the invoice for the customer
  7. The email address is the location we'll send the pre-authorization request. For the purposes of testing you should enter your own email address
  8. Click "Send Email" and check your inbox. You should have a message from GoCardless you can use to see what the user experience is like! Hold off on clicking through for a moment though - let's finish the repeating invoice setup first.
  9. After clicking "Send Email" you'll have been redirected back to your repeating invoice setup page. The page now has an additional section: "Items on this Repeat Invoice", and the ability to add some items. Add some items to the invoice and then click "Update" (IMPORTANT: don't forget to click update!)
  10. You're done with the bill setup. To see what it's like from the customer side go to the email you sent yourself and click through the payment approval process. (Note that you'll need to sign up for a second GoCardless account with a different email address, as your KashFlow GoCardless account is a merchant account, not a customer account.)
  11. Once you've clicked through and entered your details you'll receive an email informing you the customer has approved the direct debit mandate. The system will then automatically email the customer each month an invoice, which will be automatically paid by direct debit.

Hopefully the above is everything you need to get up and running, and make collecting payments a whole lot easier and cheaper. Don't forget that we're always here to help though - you can email us any time.

See you on GoCardless soon!