Direct Debit schemes across the Globe
Direct Debit is a widely used payment method across the globe. Different territories operate different schemes such as Bacs in the UK, SEPA across the Eurozone and BECS in Australia.
Schemes supported by GoCardless
GoCardless provides a single point of access to Europe’s largest Direct Debit schemes. Learn more about each scheme below, or get in touch to speak to our payments expert.
UK
Bacs
Currency: GBP
Automated payments are at the very centre of the UK’s financial system, providing an essential service for both consumers and organisations. Bacs is the company which runs Direct Debit in the UK. 74% of all recurring payments are made by Direct Debit.
Eurozone
SEPA
Currency: EUR
SEPA Direct Debit is a Europe-wide Direct Debit system that allows merchants to collect Euro-denominated payments from accounts in the 19 SEPA countries and associated territories.
Key markets:
Germany, Austria, France, Spain and The Netherlands
Australia
BECS
Currency: AUD
The Bulk Electronic Clearing System (BECS) is managed and regulated by BECS. Direct Debit is a popular payment method in Australia, making up around 1/3 of all non-cash payments.
Sweden
Autogiro
Currency: SEK
Bg Autogiro is a Direct Debit scheme for collecting Krona-denominated payments from a bank account in Sweden. Approximately eight out of ten Swedes use Autogiro with the average customer paying five to seven bills per month via Autogiro.
Schemes coming soon to GoCardless
The advantage of Direct Debit with GoCardless
Integrate Direct Debit with your business
Build custom integrations with our API or connect to existing software through pre-built integrations.
Maximise customer acquisition
Seamlessly embed one of Europe’s most popular payment methods into your checkout flow.
Eliminate involuntary churn
Reduce failure rates to as low as 0.5% by avoiding errors caused by expired or lost cards, and credit limit breaches.
Help & resources
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.
