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GoCardless is the simpler way to accept Direct Debit Find out more


Conversion is the percentage of people asked to pay who actually make a payment. This is typically 32% for online payments but improving customer experience (minimal steps, on-site payments etc.) can increase this significantly.

Whether you take payments using an onsite or embedded page or redirect to another site can have a huge impact on conversion rates.

Redirect to gateway

Redirecting means sending customers to a different site to make a payment. If this makes your payment process longer or slower or if the payment page looks very different to your site customers may fail to complete their payment - 22% of customers blame a failure to make a payment on a long/slow process.

Embed on your site

Embedded payment pages enable customers to pay without seeming to leave your site or app. Sensitive financial information is sent directly to the provider meaning that it never hits your server. This makes the payment process much simpler for your customers without imposing more requirements on you.

Store and process yourself

For onsite payments, the entire payment process takes place on your website. Customers never leave your site helping to maximise conversion. To take payments onsite you will need an SSL certificate and to comply with certain legal and technical PCI/AUDDIS requirements.

See the options
Credit cards
Do it yourself

Setting everything up yourself from scratch +

Payment Express
Do it yourself

Merchant account and payment gateways have traditionally redirected customers, however, sites like have started to offer on-site and embedded payment options:
  • offer customizable payment pages on their website, embedded pages (where data is stored on servers) and on-site payment pages (where merchants store data themselves). For details see the comparison of their API options
  • Payment Express: Payment Express offer a hosted payment page.
Do it yourself

To take Direct Debit payments on-site you'll need to have met the AUDDIS and Paperless Direct Debit criteria, have live AUDDIS status and get your sponsor bank to approve all internet pages, forms etc. every time you want to make a change.

If you use a bureau's SUN (or your own SUN through their bank) and redirect to their payment pages this should comply.
  • FastPay: With FastPay you redirect to their payment page
  • Smartdebit: Smartdebit offer hosted payment pages or embedded pages although they charge additional fees for both (£8 and £25 respectively)
Do it yourself

Managing everything yourself through a bank or a bureau +

SmartDebit FastPay
Payments service provider

A full service payment provider +

PayPal Adyen
Payment Service Providers

Payment service providers traditionally redirect your customers to their site.
  • PayPal: With PayPal you can choose to either redirect customers to their site or to use Payflow to keep customers on-site.
  • AdYen: With AdYen you can choose to use hosted payment pages or your own payment pages via their API or encryption solution. The API is only available to Level 1 or 2 PCI compliant merchants or those using client-side encryption.

    AdYen offer single page payment processing and provide conversion metrics to help you maximise conversion.
Redirect, embed or on-site
Direct Debit Management Software

Management software services do not provide payment pages but may offer support to you in setting up a bank approved payment page.
Management software

A full featured software suite +

Bottomline Fundtech
Payment processor

A combined merchant account and payment gateway +

Stripe Braintree
Payment Processors

Payment processors traditionally redirect your customers to their site but with Stripe.js and Braintree your customers stay on-site.
  • Stripe: With Stripe's full custom on-site payment pages, your customers always stay on your site.
  • Braintree: With Braintree their payment page will be embedded on your site - so no redirects or hosted payment pages - customers always stay on your site.
Embed or on-site

GoCardless offer both Redirect and Embedded payment pages (with GoCardless Pro).

Redirect: If you choose to redirect to the GoCardless payment pages, these can be branded with your company logo and colour to help keep your business and brand in your customers' minds.

Embedded: With GoCardless Pro, customers can enter their details without leaving your site helping to maximise conversion. Similarly to Stripe, customer data is sent directly to GoCardless so it never hits your server, reducing your security risk.
Redirect, embed or on-site

The UK's leading Direct Debit provider +

Ideally, customers would never have to leave your site helping you maximise conversion. However, taking customer data On-site has traditionally meant onerous security requirements, e.g. PCI compliance.

With JS solutions like Stripe, Recurly and GoCardless you never touch sensitive financial data so don't have to worry about these extra requirements.

Churn refers to the number of payments lost each month through payments failing. For recurring payments, a churn rate of 5% means annoying, or even losing, 50 out of 1000 customers every month.

GoCardless makes it quick and easy to use Direct Debit

Start taking payments in minutes