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

Press Release: The Guardian and Funding Circle sign up for GoCardless Pro

Having opened up the world of Direct Debit to thousands of SMEs from across the UK, GoCardless has today announced their enterprise product, GoCardless Pro. The new product is specifically designed for larger businesses and will allow them to take recurring payments with ease. The Guardian has signed up as an early user of the service.

GoCardless, the payments company simplifying online Direct Debit, is today announcing the public launch of GoCardless Pro, an exciting new product that will revolutionize Direct Debit for large companies.

Since launching in 2012, the UK tech start-up has quickly grown to serve over 5,000 SMEs, collecting more than £500 million per year with 600% year-on-year growth.

Costing 60% less than credit card based solutions, GoCardless' existing SME product is a clear market leader for ease of access, flexibility and simplicity. The latest release is designed for larger enterprises, combining the simplicity of the original product with complete control over payments and customer experience and brings it directly into competition with traditional bureaus like Bottomline.

According to Hiroki Takeuchi, the CEO of GoCardless, “With GoCardless Pro, we’re aiming to serve even larger businesses. We've designed a solution to give the UK’s largest businesses much more control over the payment and customer experience.”

Until now, companies wishing to collect by Direct Debit have been forced to use clunky software which requires them to staff whole departments to manage these collections. GoCardless Pro will allow them to automate these operations using the GoCardless API, reducing operational complexity and cost, whilst improving customer experience.

Existing customers include innovative companies like Funding Circle, the leading marketplace for business loans, whose CEO Samir Desai said: “We moved to GoCardless as collections can be managed by one person instead of a whole department. It's great to work with another financial technology company who are committed to helping businesses.”

An early customer for GoCardless Pro is The Guardian. Their Director of Consumer Revenues Julia Porter explains that, "The Guardian is always looking to give the best customer experience and has chosen GoCardless to make its recurring payment experience as seamless as possible."

GoCardless raised $7 million in a round lead by Balderton Capital earlier this year in order to target enterprise customers and this is the first of a few major releases designed to shake up the space. With organisations like the Guardian already signed up it seems to be working.

About GoCardless

GoCardless enables businesses to control their payments, not be controlled by them. It is a simple service for collecting Direct Debit payments online. Direct Debit is the best way to take recurring payments in Europe, with lower failure rates, lower fees and increased flexibility vs cards.

The company launched in 2012 and now serves over 5,000 UK SMEs collecting half a billion pounds per year. It has raised $12m investment from Balderton Capital, Accel Partners, Passion Capital and YCombinator.

See here for more information.

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

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.

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Merchant of the Month: Aquiss

Here at GoCardless, we love to work with businesses like our own: those that supply a great technology product to the SME market. Aquiss is just such a company.

Aquiss provide broadband, telecommunications and web hosting to the professional home and SME markets, and have maintained a top 10 ranking on a number of review sites for 5 years straight.

A fast growing business, their current payment solution wasn’t cutting it. Managing Director Martin Pitt explains:

It was clear that we were losing new sales by not offering Direct Debit, whilst wasting time chasing late payments. What’s more, in an industry where pennies win deals, the increasing cost of card payments was hindering us. GoCardless’ 1% charge solved this problem overnight.

Aquiss have been using GoCardless through our integration with WHMCS, a billing system. We’re thrilled to have them on board, and hope they continue to grow!

Interested in discovering all the great benefits of GoCardless for yourself? Simply sign up today in just 60 seconds!

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Merchant of the Month: Laundry Republic

Laundry Republic

It's exciting to watch startups disrupt existing industries, and Laundry Republic don't disappoint. We've chosen them as our first Merchant of the Month for 2013.

Busy professionals can't always reach the dry cleaners within working hours. Laundry Republic solve this issue by offering a 24/7 service via secure lockers and concierges in premium buildings.

What sets them apart from the crowd is their use of mobile technology and online payments to maximise efficiency.

David Lambert, CEO of Laundry Republic, explains the benefits of GoCardless:

GoCardless saves us time and money. They charge less than half what we pay our card provider, and with pre-authorizations we're in control of when we get paid. We also see far fewer failed payments and a checkout conversion rate of over 80%, which is very good. In short, it's a no-brainer for services like ours.

Direct Debit is perfect for recurring payments. Laundry Republic use our API which is ideal for merchants who want to integrate with their website.

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 help@gocardless.com.

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 help@gocardless.com.

Buy Our Honeymoon DD Present

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Merchant of the Month: Has Bean Coffee

Has Bean Coffee

One of the nicest things about having businesses as GoCardless customers is that we get to see the great use they make of the service. Our 'Merchant of the Month' programme recognises and thanks some of our favourite customers each month for being so awesome.

For December 2012, we've selected Has Bean Coffee, who sell coffee beans and coffee-making equipment online. They've been using GoCardless since November 2011 via KashFlow to collect payments from their wholesale customers conveniently and affordably.

We had been looking for years to find some way of taking Direct Debits. GoCardless have looked after us so much. I need systems that just work and this is what GoCardless gives us.

Stephen Leighton, Managing Director of Has Bean

They also offer coffee subscriptions, and are working on an integration with our API to allow them to take payments for these each month via Direct Debit for a fee of just 1%.

Interested in discovering all the great benefits of GoCardless for yourself? Simply sign up today in just 60 seconds!

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Spencer Hockey Club

Spencer Hockey Club are one of several sports clubs collecting their membership fees with GoCardless. With over 400 members they wanted a simple way to collect fees, and to keep track of who had paid. As a non-profit they didn't want to pay high fees.

The GoCardless API was the perfect solution. Integrated into the Spencer Hockey Club website, it makes paying and keeping track of whose paid incredibly simple. Mark McDermott, who wrote the integration, describes the benefits:

"We'd wanted a way for members to pay their fees online for a couple of years, but PayPal and the rest were just too expensive. With fees of only 1%, GoCardless changed that. It's made collecting membership fees much less time consuming, so our volunteers can focus on what they do best."

The GoCardless API is incredibly flexible, and with client libraries in PHPJavaPython,Ruby and .NET it's easy for any developer to use.

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, 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 support@spreedly.com

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ChurchApp

ChurchApp has switched all their UK customers over to using GoCardless in order to collect the monthly subscription payments through Direct Debit.

Gavin Courtney, founder of ChurchApp, describes how useful GoCardless has been:

"No more cheques and BACS payments. GoCardless makes collecting B2B payments so much easier.

"Using GoCardless has made a huge difference to us, enabling us to do away with cheques and BACS transfers. Our entire billing system has become much less time consuming and at the same time it's much cheaper."

Anyone can use GoCardless to start collecting money online in minutes. Learn more.

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The Hoxton Mix

The Hoxton Mix are one of several co-working spaces using GoCardless to take one-off and subscription payments online. Alongside desk rental, they offer mail and telephone forwarding as part of their virtual office solution. Given the virtual nature of the product, they wanted an easy way for customers to pay online.

PayLinks (now GoCardless Dashboard) from GoCardless was the perfect solution. Ben Rometsch, founder of The Hoxton Mix, describes how easy setting up with GoCardless was:

"We had GoCardless set up in 3 minutes - it was incredibly simple, and didn't require any technical knowledge. We're now putting through close to £2k per month in one-off and subscription payments, and it just works."

Anyone can use PayLinks to start collecting money online in minutes. Learn more.

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.

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GoneCardless with KashFlow: Leadstoyou

Today we’re pleased to showcase Leadstoyou, an online leads generation company. They’re a great example of how any small businesses can benefit from using GoCardless with the KashFlow online accounting package.

Asked about GoCardless, Mark Thomas, Office Manager said “We would absolutely recommend GoCardless to other companies who are taking regular payments but want to avoid expensive credit card commission fees and who want to free up time and resources to focus on other parts of their business”.

Leadstoyou have discovered three major advantages to using GoCardless for their payment needs

  • GoCardless is easy to use, set up and manage on a daily basis
  • GoCardless offers savings on every transaction with its low 1% fees
  • GoCardless saves time every day, leaving more time to focus on growing the business

Before moving to GoCardless, Leadstoyou customers topped up their accounts by credit or debit card. Collecting these topups was expensive, customers didn’t like the arrangement, and the system wasn’t flexible enough to grow with the business.

Now with GoCardless, Leadstoyou spend less time managing payments and more time focusing on growth, benefiting from the speed of taking payments directly from KashFlow. On top of this, their customers really appreciate the added simplicity.

Leadstoyou were able to sign up and get started with GoCardless in seconds, and you can do the same today. Take a look at our five-minute guide to using GoCardless with KashFlow.

 

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GoneCardless with KashFlow: Marketing by Web

Today, we’re proud to be able to showcase how we’ve helped Marketing by Web, an internet marketing company, take payments online easily and cheaply.

Marketing by Web use GoCardless through KashFlow, their online accounting package. Asked about their experiences Claire Jarrett, Managing Director told us: “We’ve been delighted with GoCardless. They provide an easy service which is so affordable with great customer service. I would absolutely recommend them to other businesses who want to take payment regularly”.

They’ve discovered three great benefits to taking payments with GoCardless:

  • GoCardless saves them time every day; now that online payments are easy they can focus on what they do best
  • GoCardless saves them money every transaction; our pricing is fantastic compared to other payment methods
  • GoCardless is easy to set up and manage

Before using GoCardless, Marketing by Web collected payments by standing order. They’d also tried and been unsatisfied with another Direct Debit provider who charged high fees and made management difficult. With GoCardless and KashFlow payments cost just 1% and are easy to manage through our merchant dashboards. Marketing by Web tell us they’re saving at least twenty minutes a day which they were spending on chasing unpaid bills and laboriously marking off invoices.

Marketing by Web took less than an hour to sign up with GoCardless, and any business using KashFlow can do the same. If you’d like to get started, take a look at our step-by-step guide to using GoCardless with KashFlow!

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.

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!