Direct Debit schemes across the Globe

Direct Debit is a widely used payment method across the globe. Different territories operate different schemes such as Bacs in the UK, SEPA across the Eurozone and BECS in Australia.

Schemes supported by GoCardless

GoCardless provides a single point of access to Europe’s largest Direct Debit schemes. Learn more about each scheme below, or get in touch to speak to our payments expert.



Currency: GBP

Automated payments are at the very centre of the UK’s financial system, providing an essential service for both consumers and organisations. Bacs is the company which runs Direct Debit in the UK. 74% of all recurring payments are made by Direct Debit.



Currency: EUR

SEPA Direct Debit is a Europe-wide Direct Debit system that allows merchants to collect Euro-denominated payments from accounts in the 19 SEPA countries and associated territories.

Key markets:

Germany, Austria, France, Spain and The Netherlands



Currency: AUD

The Bulk Electronic Clearing System (BECS) is managed and regulated by BECS. Direct Debit is a popular payment method in Australia, making up around 1/3 of all non-cash payments.



Currency: SEK

Bg Autogiro is a Direct Debit scheme for collecting Krona-denominated payments from a bank account in Sweden. Approximately eight out of ten Swedes use Autogiro with the average customer paying five to seven bills per month via Autogiro.



Currency: DKK

Direct Debit is used by 95% of households in Denmark. Betalingsservice allows companies to collect Danish Krone directly from business and customer bank accounts, helping them to create long-lasting relationships.

New Zealand


Currency: NZD

Direct Debit is fast becoming a popular payment method in New Zealand having grown over 14% over the last few years. It is managed by PaymentsNZ via the Bulk Electronic Clearing System (BECS).



Currency: CAD

Pre-authorized debits (PADs) are a convenient way to pay bills and make other payments automatically from a bank account. It's a great way to pay bills like your mortgage, utilities, donations and insurance premiums.

United States

ACH Debit

Currency: USD

ACH debit is the leading consumer bill payment method, with nearly 50% of all bills paid this way. It is the number-one preferred method of getting paid because it improves operating efficiencies and saves money.

Schemes coming soon to GoCardless

The advantage of Direct Debit with GoCardless

Integrate Direct Debit with your business

Build custom integrations with our API or connect to existing software through pre-built integrations.

Maximise customer acquisition

Seamlessly embed one of Europe’s most popular payment methods into your checkout flow.

Eliminate involuntary churn

Reduce failure rates to as low as 0.5% by avoiding errors caused by expired or lost cards, and credit limit breaches.

Ready to get started?

Get in touch with our global payment experts to find out more

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GoCardless is regulated by the Financial Conduct Authority in the United Kingdom as an Authorised Payment Institution to collect payments across Europe.