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Introduction to Taking Payments with Direct Debit

The three things you need to know about taking payments with Direct Debit - also known as ACH Debit or bank debit.

Once you have a Direct Debit mandate set up with your customer, you can collect Direct Debit payments from them at any time.

There are three things you need to know about taking payments with Direct Debit:

  1. You need to give customers advance notice of changes - If you make changes to either the payment frequency or payment amount, you must notify your customer about it before taking further payments. What constitutes a change depends on what the original debit authorization specified. Learn more about customer payment notifications.

  2. Payments are not instant - Payments may take more than 3 working days to clear on your bank account. Learn more about ACH Debit payment processing times.

  3. You must submit payment requests in a specific format - Starting with having an origination agreement in place with a bank, you must follow Nacha's (the organization which runs the ACH scheme) file format to be able to successfully collect a Direct Debit payment. Learn more about submitting ACH payment requests to the bank.

Take Direct Debit payments easily

GoCardless can process Direct 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.

Learn more about taking ACH Debit payments with GoCardless - the easy way to collect payments via Direct Debit.

GoCardless is used by over 55,000 businesses around the world. Learn more about how you can improve payment processing at your business today.

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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.