European Direct Debit Schemes

Direct Debit is a widely used payment method for recurring transactions across Europe, making up 21% of non-cash payments across the UK and Eurozone. Different countries operate separate Direct Debit schemes such as Bacs, SEPA and Autogiro.


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.


Euro area countries (19 countries)



Volume of transactions

21% overall (Germany = 51%, Austria = 28%, Spain 31%)

Key markets

Germany, Austria, France, Spain and The Netherlands


Automated payments are at the very center of the UK’s financial system, providing an essential service for both consumers and organizations. Bacs is the company which runs Direct Debit in the UK.





Volume of transactions

17% overall transactions, 27% B2B transactions. Popular with utilities, telecoms and financial services providers.


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 by Autogiro.





Volume of transactions


The advantage of European Direct Debit

Localize the experience

Collect payments in 3 currencies via Bacs (UK, £), SEPA (Eurozon, €) and Autogiro (Sweden, SEK).

Maximize 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.

Want to learn more? Speak with our Direct Debit experts

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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.