Frequently asked questions

How do I know my money is safe?

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.

How does GoCardless protect my data?

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.

• Our access to the ACH debit system is provided by major banks, who have approved our systems.
• Our global data risk management program is built to GDPR standards and applies privacy best practices to help protect and respect personal data. Read more here.
• Our financial data server is separated from our application server by multiple firewalls.
• All client-server communication is 256-bit SSL encrypted. The banking system requires just 128-bit.
• We have received ISO 27001 certification for information security.

What is ISO 27001 certification?

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.

What do you do with my money before it is paid out?

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.

Is it safe for my customers?

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.

Vulnerability Disclosure

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.

Please conduct testing on our sandbox environment only. You can sign up for a sandbox account to get started.  Our developer documentation provides details on how to configure an account.

Reporting issues

• Email us at vuln-disc@gocardless.com as soon as you become aware of the issue. You’ll be invited to submit the issue via our Vulnerability Disclosure Program.
• In the initial email include a general overview of the issue, please do not include steps for reproducing the issue. We’ll provide you a secure way to communicate further details.
• When demonstrating the issue only exploit the vulnerability using a benign payload to demonstrate the issue using your own accounts.
• Do not disclose the issue to anyone else until we have confirmed a fix or resolution.

Rules

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:

• Denial of service attacks
• Do not attempt to access or modify any user data that is not your own.
• Do not degrade the performance of our services (e.g. via automated scanning, brute forcing, or denial of service attacks)
• Social engineering attacks
• Physical attacks or threats against our staff or users
• Theoretical scenarios that do not demonstrate an impact.  E.g. a tool reporting a weak cipher suite due to lack of Perfect Forward Secrecy.