Timings
Understanding when you will receive a payment is key to deciding which is the right option for you.
- Payments
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Credit cards
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|---|---|---|---|
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Do it yourself
Setting everything up yourself from scratch + 
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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 + 
|
|
Payments service provider
A full service payment provider + 
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Payment Service Providers
Payment timings vary significantly depending on your provider:
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 + 
|
|
Payment processor
A combined merchant account and payment gateway + 
|
Payment Processors
Payment timings vary significantly across providers:
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.
Card payments are typically faster than Direct Debit with providers like PayPal able to offer a 24 hour turnaround - for even initial payments.