“GoCardless allows us to spend more time building relationships with our customers, rather than focusing on the accounts.”

Kiril ShaginovCo-Founder, Mörk Chocolate

Key benefits

Two hours a week saved, improved cash flow

Company name

Mörk Chocolate


Speciality hot chocolate powder (wholesale & retail) and cake wholesaler

Number of customers


Partner integration

Uses GoCardless for Xero

Time saved using GoCardless

2 hours a week

Inspired by Melbourne’s specialty coffee culture, Mörk Chocolate founders Kiril Shaginov and Josefin Zernell are on a mission to bring ethically-sourced, speciality hot chocolate to cafés and retailers in Australia and around the world.

Kiril and Josefin choose to work with small farmers and specialty producers, and their focus on the quality and traceability of their chocolate has earned them 450 stockists in Australia and 150 across Europe in their first 5 years of business.

Like many founders, Kiril and Josefin’s passions lie in product development, in growing their business and in providing an exceptional service to customers: not in financial admin or chasing customers for payment.

In 2013, Kiril found Xero’s cloud accounting platform, which he says, “instantly changed” the way the pair managed their business.

“Running our business and finances from the cloud with Xero allows me to connect from anywhere in the world and see what is happening with our accounts,” he explains, “as well as managing multiple currencies with ease. It has also meant we can automate payment reminders, as no-one likes those awkward conversations with customers.”

Cash flow challenges in Australia

Moving to Xero, Kiril and Josefin were able to spend less time on financial admin: but, as with many small businesses, cash flow was still a constant source of worry.

Their regular customers in Australia paid their orders by bank transfer, credit card or cash on delivery.

With bank transfer, we’re reliant on the customer remembering to pay, and cash on delivery presents a host of problems around driver safety, accounting errors and manual admin. With credit cards, we also run into problems with expiry dates and spending limits.”

With these payment methods, Kiril and his small team have found themselves spending at least three hours a month chasing late payments, and 30 minutes each day manually reconciling payments with their Xero accounts.

The power of Direct Debit

Kiril and Josefin had already experienced what a Direct Debit solution, connected into Xero, could do for their cash flow and admin to-do list.  

In 2016, as the business expanded into the UK and Europe, the team began collecting payments from customers there through GoCardless, Xero’s global preferred Direct Debit provider.

By 2018, almost 70% of their European customer base paid this way.

“With GoCardless, transactions are automated and happen seamlessly without us having to step in. This has allowed us to have one person looking after the whole region and all 150 customers there,” explains Kiril.

It contributed towards the business being able to grow, without needing to hire a second person managing accounts. GoCardless has been an instrumental part of our growth in Europe.”

Introducing GoCardless for Xero at home

After seeing the benefits in Europe, “moving to GoCardless in Australia was a no-brainer,” says Kiril.

"GoCardless showed us just how much time can be saved on payments admin  – as well as improving our cash flow. We jumped at the chance to introduce it to our customers here. It allows us to spend more time building relationships with our customers rather than focusing on the accounts."

In 2018, Mörk Chocolate became one of the first customers of the newly-launched GoCardless for Xero in Australia.

“The other Direct Debit platforms here don’t integrate as well with Xero,” says Kiril.

Xero has chosen Gocardless as its best-in-class solution for Direct Debit and it shows – the integration is really seamless and intuitive; your accounts are always accurate and up to date without you having to do anything, and automatic reconciliation is a huge time-saver.”

Kiril and Josefin were also attracted to GoCardless’ transparent pricing: “With other providers, you don’t alway know what you’re signing up to in terms of fees,” says Kiril. “Pricing with GoCardless is simple and clear.”

The right platform for growth

Kiril and Josefin will be offering GoCardless as a payment method to stockists of their drinking chocolate.

As Kiril explains: “Our business is somewhat seasonal – drinking chocolate sales spike in winter and slow a little over summer. With GoCardless, once we have a mandate set up with a customer, we can collect payments against variable invoices as soon as they’re due, without having to remind or ask the customer," says Kiril. “Over the coming months, we’ll roll it out to as many customers as possible.”

They will also be using GoCardless for their new venture: chocolate and cacao-based cake company, Söt by Mörk.

“GoCardless works flawlessly with regular orders,” says Kiril, “so it’s the only way to pay for Söt by Mörk – we wanted to kick off this new venture on the right foot.”

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GoCardless (company registration number 07495895) is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, registration number 597190, for the provision of payment services.