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

Timings

Understanding when you will receive a payment is key to deciding which is the right option for you.

Credit cards
Do it yourself

Setting everything up yourself from scratch +

Payment Express Authorize.net
Do it yourself

Initial payments take 3-10 working days while subsequent payments take 2-10 working days.
3-10
working days
Do it yourself

Direct Access: Initial payments take 4 working days (submitting directly to BACS) and subsequent payments take 3 working days.

Direct Access: With a Direct Debit bureau initial payments take 8 - 17 working days while subsequent payments take 7 working days.
4
working days
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 timings vary significantly depending on your provider:
  • AdYen: AdYen pay out twice a week so this may impact your payment timings
  • PayPal: Initial payments - up to 21 working days; Subsequent payments - 1 working day
Varies
Direct Debit Management Software

Initial payments take 4 working days while subsequent payments take 3 working days.
4
working days
Management software

A full featured software suite +

Bottomline Fundtech
Payment processor

A combined merchant account and payment gateway +

Stripe Braintree
Payment Processors

Payment timings vary significantly across providers:
  • Stripe: Initial payments - 7 working days; Subsequent payments - 7 working days
  • Braintree: Initial payments - 1-4 weeks; Subsequent payments - 1-4 weeks
Varies
Can be Instant
GoCardless

Initial payments take 6 working days while subsequent payments take 5 working days. To find out more see our guide to payment timings.
5-6
working days

The UK's leading Direct Debit provider +

If you need to ship goods immediately upon payment confirmation Direct Debit is unlikely to be a good fit as it takes a few days for funds to clear the first time a new customer pays you.

Card payments are typically faster than Direct Debit with providers like PayPal able to offer a 24 hour turnaround - for even initial payments.

GoCardless makes it quick and easy to use Direct Debit

Start taking payments in minutes