Our terms of service

Connected merchant agreement [prior to 19th July 2017]

This is an outdated version of the GoCardless Connected Merchant Agreement, you can read an up-to-date version here.

Plain English

We know that terms & conditions can be lengthy and difficult to read, so above each section of legal terms (the numbered paragraphs, with no background), we’ve set out (in a light blue box) a brief, plain-English summary of the key points for that section of the legal terms. Note that the legal terms will always be the binding terms, and the explanation (in the light blue boxes) is there to help you understand the legal terms, but is non-binding. Any questions, please get in touch via our usual support contact options.

About the GoCardless Integration Partner Platform for Connected Merchant Accounts

GoCardless Limited (‘GoCardless’) enables you (the company or other legal entity you entered on the signup page, and that has entered into the GoCardless Merchant Agreement - ‘you’, also referred to as the ‘Merchant’) to use Pre-built Integrations with GoCardless, such that these third parties, or ‘Integration Partners’ can help you administer payments and your GoCardless Account. To do this, you give them certain access to your GoCardless Account and Merchant Data.

This Agreement details the relationship between you and GoCardless in relation to Pre-built Integrations and Integration Partners. In addition, any Integration Partner whose Pre-built Integration you use should provide you with a legally binding contract containing certain information we require them to provide to you under the GoCardless Integration Partner Agreement.

Integration Partners may also provide other goods or services to you. Any contracts for the supply of goods and services to you by an Integration Partner are not affected by this Contract. If there is any issue with the Pre-built Integration or other goods or services provided to you by an Integration Partner, you should speak to the Integration Partner directly - we’re not involved in the actual supply of any such goods and services to you, and disputes about these should be resolved directly between you and the Integration Partner. We have no involvement in or liability for the contractual arrangements between you and your customers.

Parties and Basic Commitments

We enable you to use GoCardless with third party systems (‘Integration Partner System’). You can do this by creating a GoCardless Account and “connecting” this account to that third party system, via an integration created by the third party (‘Pre-built Integration’).

We’ll let you use these services, so long as you also set up your own GoCardless Account online, complete all our checks and provide all the information we need. These requirements are set out in detail in the GoCardless Merchant Agreement, so you will be bound by the terms and conditions of that agreement, as well as these terms and conditions. We recommend you read both documents.

We are not responsible for any Pre-built Integration with GoCardless, including any support, maintenance, errors or availability.

  • GoCardless Ltd (referred to as ‘GoCardless’, ‘we’ or ‘us’) provides a service that enables you, the Merchant, to set up and receive secure direct debit payments from Customers via your Merchant Account. We do not provide a service that enables you to accept payments for non-commercial purposes.
  • The GoCardless Integration Partner Platform enables you to use certain Pre-built Integrations developed by Integration Partners, to allow you to use GoCardless’ payment collection services through an Integration Partner System, enabling you to collect payments from Customers, through that Integration Partner System.
  • This Agreement sets out the terms and conditions of the agreement between you and GoCardless for your access to and use of the GoCardless Integration Partner Platform and Pre-built Integrations provided by Integration Partners.
  • Once you connect your Merchant Account to the Integration Partner System, via a Pre-built Integration, your Merchant Account will become a Connected Merchant Account, in relation to that Integration Partner, and you will be a Connected Merchant.
  • In order to make use of the GoCardless Integration Partner Platform and Pre-built Integrations, you must have a GoCardless Account as described in the GoCardless Merchant Agreement, and so agree to the terms and conditions of that GoCardless Merchant Agreement, in addition to the terms and conditions of this Agreement, and must fulfill all your commitments under that agreement, including verifying your GoCardless Account.
  • If there is a conflict between this Agreement and the website terms of use, or the GoCardless Merchant Agreement solely in relation to your use of the GoCardless Integration Partner Platform as a Connected Merchant, this Agreement will prevail.
  • You acknowledge and agree that:
    • you shall provide accurate information and reasonable assistance to GoCardless in relation to your use of the GoCardless Integration Partner Platform;
    • GoCardless is not responsible for the provision or maintenance or functionality of any Pre-built Integration or Integration Partner System, and the Integration Partner will remain directly liable to you in relation to this to the extent set out in the contract between you and the Integration Partner;
    • GoCardless may terminate, suspend or apply certain limits to your use of the GoCardless Integration Partner Platform, as further set out in this Agreement.
  • The GoCardless Integration Partner Platform

    To enable an Integration Partner to provide you with access to a Pre-built Integration, you will need to provide certain information to that Integration Partner and GoCardless, and acknowledge that we may all share that information between ourselves.

    You also need to give the Integration Partner permission to manage your GoCardless Account on your behalf, to initiate payments and refunds etc. and generally do what they need to do to enable the Pre-built Integration to work. We’ll treat any instruction from the Integration Partner in relation to your GoCardless Account as if you had initiated it yourself.

    Also as a reminder, do not use GoCardless for anything we tell you not to! This is very important, so please check the list at https://gocardless.com/legal/restrictions/.

  • When using a Pre-built Integration, you acknowledge that you may provide or disclose, and/or GoCardless may provide and disclose data, including Merchant Data, to the Integration Partner, and that the Integration Partner may provide or disclose data, including Merchant Data, to GoCardless.
  • You are also providing the Integration Partner with explicit authority to perform certain tasks and initiate any Authorised Activity in relation to your Connected Merchant Account and that Merchant Data, and you acknowledge that GoCardless will treat any and all such Authorised Activity as if it had been initiated by you, unless otherwise stated.
  • You must take all reasonable steps to ensure that your Connected Merchant Account (i) is not used for any Restricted Activity and (ii) is not in breach of this Agreement or the GoCardless Merchant Agreement.
  • Connected Merchant Accounts

    The provider of any Pre-built Integration should provide certain information (including how they will use your data, what activity they can conduct on your behalf, and any fees), and enter into an agreement with you, before you use that Pre-built Integration.

    Any activity initiated by an Integration Partner will be treated by us as if you had initiated it.

  • Each Integration Partner should provide you with a legally binding contract setting out certain information, including:
    • the details of the Integration Partner System;
    • how the Integration Partner will make use of and protect your Connected Merchant Account and Merchant Data;
    • the Authorised Activity the Integration Partner will carry out, including obtaining express permission to carry out such Authorised Activity; and
    • any fees that you might be charged, including in relation to the Integration Partner Platform and the Pre-built Integration (including, but not limited to, Integration Fees), how and when these will be charged, and how and when you must pay.
  • You will be responsible for all acts and omissions in relation to any activity connected with use of your GoCardless Account login details and other credentials (including by any third party such as an Integration Partner), as further detailed in the GoCardless Merchant Agreement.
  • Integration Fees

    We allow Integration Partners to charge you what we call ‘Integration Fees’ - this is a fee per transaction, that goes to the Integration Partner (not GoCardless).

    The Integration Partner should tell you about any Integration Fees they will charge you, in addition to any other fees they might charge you for their goods or services.

    GoCardless will still charge you the usual Fees as set out in your Merchant Agreement with us.

  • The GoCardless Integration Partner Platform allows an Integration Partner to collect Integration Fees in relation to each Transaction initiated through the Pre-built Integration.
  • An Integration Partner should communicate any fees payable for use of the Integration Partner System and the Pre-built Integration, including any Integration Fees, directly to you.
  • In addition to Integration Fees, the Integration Partner may charge you additional fees for goods or services that they provide to you; GoCardless is in no way associated with or liable for these fees, good or services.
  • Finally, for the avoidance of doubt, we will charge you the Fees set out in the Merchant Agreement for each Transaction, as we normally would.
  • Liability

    We don’t promise anything other than what we explicitly state in this Agreement, and the most we’ll ever owe you is the amount set out in our Merchant Agreement with you. There are certain things we can’t limit liability for according to law, and so we don’t limit liability for those things!

    In particular, we’re not responsible for any third party goods or services, including any Pre-built Integration or Integration Partner System.

    You agree to indemnify us if things go wrong – for example, you fall out with the Pre-built Integration provider and we get stuck in the middle, or in a similar situation with one of your Customers.

  • All conditions, warranties and representations, expressed or implied by statute, common law or otherwise, in relation to the supply, non-supply or delay in supplying the GoCardless Service and/or the GoCardless Integration Partner Platform are excluded to the extent permitted by law.
  • We are not responsible for, and shall in no way be liable for:
    • any goods or services provided or not provided when promised by an Integration Partner, including but not limited to the Pre-built Integration or Integration Partner System;
    • your, your agent’s or employees’ compliance with laws, regulations and the Payment Scheme rules; and
    • any acts and/or omissions in relation to (a) and (b), above.
  • You agree to defend, indemnify and hold harmless GoCardless, our employees, agents and assigns, from and against any cause of action, damage, loss or liability arising out of or in connection with:
    • any dispute between you and an Integration Partner, or any similar dispute between GoCardless and an Integration Partner relating to your use of the GoCardless Integration Partner Platform. This includes disputes in relation to any activity conducted by you or an Integration Partner, including Authorised Activity and any use or treatment of Merchant Data;
    • any dispute between you and a Customer; and
    • any other breach of this Agreement, law, regulation or the Payment Scheme rules.
  • Subject to clause 22, the entire liability of GoCardless arising out of or in connection with the supply, non-supply or delay in supplying the GoCardless Service or otherwise in connection with this Agreement, whether in contract, tort (including negligence or breach of statutory duty) or otherwise, is limited in respect of each event or series of connected events to the total amount set out in the GoCardless Merchant Agreement.
  • Nothing in this Agreement shall operate to exclude or restrict either Party’s (or that Party’s employees’ or agents’) liability for:
    • any matter which cannot be limited or excluded by law;
    • death or personal injury resulting from negligence; or
    • fraud, deceit or fraudulent misrepresentation.
  • Termination

    You accept these terms as soon as you sign up for an account with us, or start using our service.

    Each of us can terminate this agreement for any reason. To do this, you must give us notice and immediately stop using any Pre-built Integration or anything else that relies on the GoCardless Integration Partner Platform. We must give you two months’ notice to terminate for any reason.

    In addition, we can terminate immediately if you go insolvent or it looks like you’re about to. We may also terminate your account if we aren’t able to complete Verification of your business, or if your use (or a Customer’s use, facilitated by you) of our service might pose a high risk to us. If your Merchant Agreement is terminated, this Agreement will terminate immediately and automatically (as you need a GoCardless Account to use this Agreement!)

  • You will be deemed to have accepted the terms of this Agreement as soon as you start using the GoCardless Integration Partner Platform in relation to a Pre-built Integration.
  • You may terminate this Agreement by providing written notice to GoCardless and immediately ending your use of the GoCardless Integration Partner Platform and any Pre-built Integrations.
  • GoCardless may terminate this Agreement:
    • on two months' written notice to you;
    • with immediate effect if you suffer an Insolvency Event;
    • with immediate effect if we determine, in our absolute and sole discretion, that your use of the GoCardless Integration Partner Platform presents an unacceptable risk to GoCardless (including, but not limited to, fraud, Chargeback or other risk, or we are unable to successfully verify your GoCardless Account);
    • with immediate effect, and automatically if our GoCardless Merchant Agreement (or other agreement for the provision of the GoCardless Service) with you is terminated; and
    • with immediate effect, if you have undertaken or facilitated a Restricted Activity or GoCardless has reasonable grounds to suspect Restricted Activities have taken place.
  • Law & Venue

    We’re based in England and, as a result, we have chosen to have this contract governed by the laws of England and Wales. We think this is also a widely understood set of laws, generally suitable for international use.

    You agree that any disputes will be heard in the English courts.

  • This Agreement and all disputes or claims arising out of or in connection with it (including any non-contractual disputes), and any obligation arising out of or in connection with it, shall be governed by and construed in accordance with the laws of England and Wales.
  • The Parties agree that English courts shall have exclusive jurisdiction over any disputes relating or connected to it.
  • Boiler Plate

    There’s some standard legal bits and pieces that are included in most agreements. Instead of setting them out here in full, please see the relevant sections in the GoCardless Merchant Agreement – they’re all together so are relatively easy to find!

  • The clauses with the following headings in the GoCardless Merchant Agreement shall apply to this Agreement as if they were set out here in full:
    • Maintenance;
    • Force Majeure/Acts of God;
    • Assignment and subcontractors;
    • Getting in touch;
    • General;
    • Waiver;
    • Severance;
    • No Partnership and referring to our relationship;
    • Third Party Rights; and
    • Change of circumstances.


You can easily identify defined terms used in this Agreement, as they’re capitalised when used. Definitions in each of the GoCardless Merchant Agreement and the GoCardless Integration Partner Agreement that have been used in this Agreement shall apply to this Agreement as if they were set out here.

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.