Frequently asked questions

Paid with GoCardless? Read our FAQ for customers

Overview

How can I use GoCardless?

There are three ways to use GoCardless:

  • Our clean, RESTful API - Integrate GoCardless into your website using our REST API.
  • Our partner integrations - a selection of out-of-the-box integrations with billing and CRM platforms
  • Our dashboards - Set up and manage Direct Debit payments with your customers using our simple online dashboard.

Who is GoCardless for?

GoCardless is for anyone who wants to take payments directly from the bank account of customers in Australia, New Zealand, the UK, the Eurozone, Sweden and Denmark. It’s particularly suitable for B2B (business-to-business) and recurring payments.

Our easy-to-use dashboards and powerful API make GoCardless a simple platform for everyone from innovative start-ups to multi-national corporations.

GoCardless works with more than 30,000 businesses from accountants and gyms, to energy companies and SaaS organisations processing A$7bn of payments globally.

Why should my customers pay with Direct Debit?

Paying by Direct Debit is a great option for your customers. Once an authorisation (Direct Debit Request) is in place, your customers no longer need to action future payments saving them time and hassle. With GoCardless, you can invite your customers to complete the simple authorisation through an email or link which you can include on your website or attach to invoices.

What can I not use GoCardless for?

GoCardless is the perfect payment solution for many businesses. However, there are some limitations with our service. We aren’t able to:

  • Let you take credit card payments - however you can use another payment provider alongside GoCardless.
  • Let you accept instant payments - Direct Debit payments take 3-5 working days to clear, so they’re not ideal for goods that need to be shipped quickly.

We’re able to accept most kinds of customers but there are some exceptions - for full details, see our restricted activities page.

Are there any limits on the amount I can collect?

There are no limits on how many transactions you can make.

There is, however, a limit on the maximum amount that can be collected in a single transaction. These are:

  • Australia $10,000 AUD
  • New Zealand $10,000 NZD
  • UK £5000 GBP
  • Eurozone €5000 EUR
  • Sweden 20M SEK
  • Denmark kr.50,000 DKK

We may be able to increase these limits with additional verification checks.

How do I receive funds I have collected with GoCardless?

The funds collected are paid directly into your bank account.

With GoCardless Pro, we’ll send you an invoice for your fees.

When do I receive my payment?

All payments in Australia are paid out three working days from when the payment was collected. If you are based outside of Australia, you will receive payment between four to nine working days after the collection date.

We don’t hold back any of your funds in reserve.

Do you take credit or debit cards?

No, GoCardless focuses on providing Direct Debit payments, ensuring we provides the best solution for your customers.

Why is GoCardless better than the other options I’m considering?

Below are just some of the reasons why people choose us:

  • Easy access to Direct Debit - Sign up for a GoCardless account online within minutes to collect payments from multiple markets
  • Reduced administration - Collect recurring and one-off payments automatically, or at the click of a button. We manage everything else for you.
  • Simple, transparent pricing - We charge 1% per transaction capped at A$3.50(with a minimum of A$0.35). Scale pricing is available on our Pro package for fixed transaction fees based on volume.
  • Powerful tools that suit you - Everything you need to set up, collect and manage Direct Debit payments with our simple online tool or REST API.
  • The personal touch - Our support team prides itself on being there to help whenever you need us.

GoCardless Ltd., Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom

GoCardless is regulated by the Financial Conduct Authority in the United Kingdom as an Authorised Payment Institution to collect payments across Europe.