Paid with GoCardless? Read our FAQ for customers
We are authorized by the Financial Conduct Authority to provide payment services as an Authorized Payment Institution. We serve more businesses than any other ACH debit provider.
All money collected is held in a secure client monies account with either Barclays Bank, the Royal Bank of Scotland, SEB, NAB or ASB.
At GoCardless we know security is important, especially when it comes to payments. Our merchants rely on us to invest in security and maintain robust data protection for them and their customers.
GoCardless has been awarded ISO 27001 certification. ISO 27001 is a widely recognized, internationally accepted standard for information security and we have attained it across all GoCardless services and products.
An accredited independent auditor has assessed our processes and controls, and confirmed they align with the certification standard. Certification Europe, an ISO accredited certification body, has certified our compliance with the ISO standard.
Having ISO 27001 certification helps assure our merchants and their customers that we take information security management seriously. GoCardless will ensure that an independent auditor will reassess our Information Security Management System on an annual basis.
All money collected is held in a secure client monies account held with one of our partner banks. Funds are held fully in accordance with safeguarding provisions.
Yes. Your customers are fully protected by the ACH rules and Regulation E. This entitles them to a full and immediate refund of any payments taken from their account in error.
We care deeply about keeping our users safe. If you believe you have discovered a vulnerability, we ask that you disclose it in a responsible manner. Sharing vulnerabilities publicly puts our entire user base at risk, so we urge you to keep issues private until we’ve had a chance to release a fix.
If you are interested in testing our service for vulnerabilities then we would appreciate any reports regarding our dashboard and API.
When reporting vulnerabilities, please consider (1) attack scenario/exploitability, and (2) the security impact of the bug. The following issues are considered out of scope:
GoCardless is regulated by the Financial Conduct Authority in the United Kingdom as an Authorised Payment Institution to collect payments across Europe.