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ACH debit payments with GoCardless

Brad Ewin
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Last editedApr 20232 min read

If you decide to use the direct access route, ACH can be a complicated system with a significant amount of associated admin. Fortunately, it’s not the only way.

In contrast to the direct access route, using a TPPP is an easy way to reap the benefits of ACH debit payments while avoiding many of the admin hassles.

GoCardless offers an online service that streamlines the whole ACH process, from getting access to the scheme to taking payments from your customers and helping you handle any errors or difficulties that may emerge.

In this section, we’ll explain more about exactly how GoCardless can help your business take ACH payments the easy way by managing the entire process on your behalf.

Getting started with ACH debit payments via GoCardless

To start taking ACH debit payments with GoCardless, you don’t need an agreement with your bank. You can manage your payments using our simple online tool, or you can integrate with our REST API to maintain an entirely self-branded payment experience for your customers.

With GoCardless, there’s no need for your customers to use paper or phone authorization. Instead, they can easily set up ACH debit payments to you online. Once the authorization is set up, you can start collecting payments automatically.

Direct access via banks is not only complicated but can also be expensive. However, many TPPPs also charge setup fees or charge for failed transactions. In contrast, GoCardless has simple and transparent pricing models, with no setup fees or other hidden costs.

How to collect ACH Debit payments with GoCardless


Create your free GoCardless account, access your user-friendly payments dashboard & connect your accounting software (if you use one).


Easily set up & schedule ACH Debit payments via payment pages on your website checkout or secure payment links.


From now on you'll get paid on time, every time, as GoCardless automatically collects payment on the scheduled date. Simple.

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Authorizations in GoCardless

GoCardless provides bank-approved, fully compliant online authorization forms for you to use for your customers. We ensure that all of your customers are notified of the authorization being set up prior to any payments being taken. We also store online authorization proofs for you, so you don’t have to deal with additional admin to be compliant.

Taking ACH debit payments with GoCardless

GoCardless processes ACH debit payments on your behalf, including:

  • Notifying customers - GoCardless sends your customers advance notice of each payment

  • Submitting payment requests - GoCardless handles all submissions to the bank on your behalf

  • Fast collection - GoCardless has optimized the ACH debit collection process to collect funds as fast as possible

Managing return requests with GoCardless

GoCardless will let you know if any of your customers request a return. You can then review the request and retake the payment if appropriate. Our processes are carefully designed to reduce the risk of unauthorized returns while making sure you always adhere to Nacha’s scheme rules.

We achieve this by offering you the following:

  • Clear authorization - GoCardless ensures payment pages contain clear and fully compliant information. We automatically send authorization receipts for you.

  • Automatic advanced notices - GoCardless automatically notifies your customers via email 2 working days in advance of a change in payment value or for a change in payment date.

  • Scheme rules - GoCardless keeps up to date with all Nacha scheme rules and helps you to do the same.

Same day processing and GoCardless

GoCardless does not currently support Same Day ACH, however, it is likely that Same Day ACH will become available via GoCardless in the future.

Case Study: How PremierePC saves over $14k annually with GoCardless

PremierePC used to collect over 85% of their payments via credit cards, which meant hefty processing fees.

Switching to collecting payments through ACH Debit via GoCardless was simple and allowed the company to reduce payment collection fees by 85% and save around $1200 every month.

Read more about how GoCardless and ACH Debit provide an easy, secure & affordable way to collect payments online.

Ready to get started?

GoCardless offers businesses an affordable and secure way of collecting payments that enjoys a high payment success rate, significantly reduces failed payments and allows you to retain more customers.

Adding GoCardless to your payment mix also helps you automate payment collection and bank reconciliation, cutting down the amount of financial admin your team needs to deal with.

Learn more about how GoCardless can save you time and money on payment collection.

If your business takes recurring payments, give GoCardless a try. Sign up here.

Automate payment collection with ACH Debit to lower costs, reduce failed payments and save time on financial admin.

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PreviousACH Scheme: Customer protection
Interested in automating the way you get paid? GoCardless can help
Interested in automating the way you get paid? GoCardless can help

Interested in automating the way you get paid? GoCardless can help

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Try a better way to collect payments, with GoCardless. It's free to get started.

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