Understanding when you will receive a payment is key to deciding which is the right option for you.
Credit cards
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Do it yourself
Setting everything up yourself from scratch + ![]() ![]() |
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 + ![]() ![]() |
Payment Service Providers
Payment timings vary significantly depending on your provider:
Varies
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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
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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 + |