Collect subscriptions and recurring fees
Collect variable and ad-hoc payments
Ideal for subscriptions and invoices
Ideal for one-off payments
Collect from 30+ countries
Reduce payment failures
Stop payment fraud
Build a custom integration
Connect to 200+ partner apps
Instant Bank Pay for recurring payments
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Common questions answered
Guide for integrators
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Event / request | Timing |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following establishment of a new Payment Scheme Mandate and submission of a Payment Order | 2 Business Days following the Payment date (with the Payment Scheme Mandate set up 8 Business Days prior) |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following submission of a Payment Order against an existing Payment Scheme Mandate | 2 Business Days following the Payment date |
Latest time by which a Merchant or Customer may cancel a Payment Scheme Mandate or Payment Order | 16:00 (GMT) 2 Business Days before the Payment Order date |
Time taken to complete a transfer of funds from the GoCardless Client Account to the Merchant’s Nominated Account | 2 Business Days following the Payment date |
Time taken to complete a transfer of a refund from the relevant GoCardless bank account to a Customer’s bank account (assuming refund request is made before 11:00 local time in London, United Kingdom, on the Payment Order date) | 2 Business Days |
Event / request | Timing |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following establishment of a new Payment Scheme Mandate and submission of a Payment Order | 4 Business Days following the Payment Order |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following submission of a Payment Order against an existing Payment Scheme Mandate | 3 Business Days following the Payment date |
Latest time by which a Merchant or Customer may cancel a Payment Scheme Mandate or Payment Order Time at which Fees payable by the Merchant to GoCardless become due and payable and are deducted from the Client Account by GoCardless.* | 16:00 (GMT) 2 Business Days before the Payment Order date From 11:00 (GMT) on the next Business Day following receipt in to the GoCardless Client Account |
Time taken to complete a transfer of funds from the GoCardless Client Account to the Merchant’s Nominated Account | 2 Business Days following the Payment Date |
Time taken to complete a transfer of a refund from the relevant GoCardless bank account to a Customer’s bank account (assuming refund request is made before 11:00 local time in London, United Kingdom on the Payment Order date of the refund) | Within 1 Business Day |
* Only applicable for Merchants whose Fees are deducted by GoCardless in accordance with the contract in place between GoCardless and the Merchant.
Event / request | Timing |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following establishment of a new Payment Scheme Mandate and submission of a Payment Order | Maximum 1 Business Day following the Payment date (with Payment Scheme Mandate set up alongside first Payment Order) |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following submission of a Payment Order against an existing Payment Scheme Mandate | Maximum 1 Business Day following the Payment date (same Business Day for Australian merchants due to time difference) |
Latest time by which a Merchant or Customer may cancel a Payment Scheme Mandate or Payment Order | 16:00 (GMT) 1 Business Day before the Payment Order date |
Time taken to complete a transfer of funds from the GoCardless Client Account to the Merchant’s Nominated Account | 3 Business Days (for domestic payouts. Additional days apply for international payouts) |
Time taken to complete a transfer of a refund from the relevant GoCardless bank account to a Customer’s bank account (assuming refund request is made before 11:00 local time in London, United Kingdom, on the Payment Order date) | Within 2 Business Days |
Event / request | Timing |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following establishment of a new Payment Scheme Mandate and submission of a Payment Order | 3 Business Days following the Payment date (with Payment Scheme Mandate set up alongside first Payment Order) |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following submission of a Payment Order against an existing Payment Scheme Mandate | 3 Business Days following the Payment date |
Latest time by which a Merchant or Customer may cancel a Payment Scheme Mandate or Payment Order | 16:00 (GMT) 1 Business Day before the Payment Order date |
Time taken to complete a transfer of funds from the GoCardless Client Account to the Merchant’s Nominated Account | 3 Business Days (for domestic payouts, varies for international payouts) |
Latest time by which a Merchant or Customer may cancel a Payment Scheme Mandate or Payment Order | 1 Business Day following the request |
Event / request | Timing |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following establishment of a new Payment Scheme Mandate and submission of a Payment Order | Minimum 9 Business Days following Payment Scheme Mandate set up (with Payment Order set up at least 1 Business Day after Payment Scheme Mandate set up and ahead of '8 working days before month end' - deadline) |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following submission of a Payment Order against an existing Payment Scheme Mandate | Minimum 8 Business Days following the Payment date |
Latest time by which a Merchant or Customer may cancel a Payment Scheme Mandate or Payment Order | Merchants can cancel a Payment Scheme Mandate or Payment Order up to 16:00 (GMT) 8 Business Days before the start of the month of the Payment Order date. Customers can cancel an individual Payment Order up to close of business (according to local time in Denmark) on 7th calendar date of the month of the Payment Order date (if the Transaction has already taken place, the funds will be passed back to the Customer). If the 7th date falls on a weekend, the deadline is extended by 1 Business Day. |
Time taken to complete a transfer of funds from the GoCardless Client Account to the Merchant’s Nominated Account | 4 Business Days (for domestic payouts, varies for international payouts) |
Time taken to complete a transfer of a refund from the relevant GoCardless bank account to a Customer’s bank account | 1 Business Day |
Event / request | Timing |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following establishment of a new Payment Scheme Mandate and submission of a Payment Order | 3 Business Days following the Payment date |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following submission of a Payment Order against an existing Payment Scheme Mandate | 3 Business Days following the Payment date |
Latest time by which a Merchant or Customer may cancel a Payment Scheme Mandate or Payment Order Time at which Fees payable by the Merchant to GoCardless become due and payable and are deducted from the Client Account by GoCardless.* | 16:00 (GMT) 2 Business Days before the Payment Order date From 11:00 (GMT) on the next Business Day following receipt in to the GoCardless Client Account |
Time taken to complete a transfer of funds from the GoCardless Client Account to the Merchant’s Nominated Account | 3 Business Days following the Payment date |
Time taken to complete a transfer of a refund from the relevant GoCardless bank account to a Customer’s bank account (assuming refund request is made before 11:00 local time in London, United Kingdom on the Payment Order date) | 1 Business Day |
* Only applicable for Merchants whose Fees are deducted by GoCardless in accordance with the contract in place between GoCardless and the Merchant.
Event / request | Timing |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following establishment of a new Payment Scheme Mandate and submission of a Payment Order | 3 Business Days following the Payment date (with Payment Scheme Mandate set up alongside first Payment Order) |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following submission of a Payment Order against an existing Payment Scheme Mandate | 1 Business Day following the Payment date |
Latest time by which a Merchant or Customer may cancel a Payment Scheme Mandate or Payment Order | 16:00 (GMT) 1 Business Day before the Payment Order date |
Time taken to complete a transfer of funds from the GoCardless Client Account to the Merchant’s Nominated Account | 2 Business Days following the Payment date |
Time taken to complete a transfer of a refund from the relevant GoCardless bank account to a Customer's bank account (assuming refund request is made before 11am GMT on the request date) | Within 1 Business Day of the request |
Event / request | Timing |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following establishment of a new Payment Scheme Mandate and submission of a Payment Order | 2 Business Days following the Payment date (with Payment Scheme Mandate set up alongside first Payment Order) |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following submission of a Payment Order against an existing Payment Scheme Mandate | 1 Business Day following the Payment date |
Latest time by which a Merchant or Customer may cancel a Payment Scheme Mandate or Payment Order | 16:00 (GMT) 1 Business Day before the Payment Order date |
Time taken to complete a transfer of funds from the GoCardless Client Account to the Merchant’s Nominated Account | 3 Business Days following the Payment date |
Time taken to complete a transfer of a refund from the relevant GoCardless bank account to a Customer's bank account (assuming refund request is made before 11am GMT on the request date) | 1 Business Day of the request |
Event / request | Timing |
Receipt by GoCardless into the GoCardless Client Account of funds from a Customer’s bank, following successful execution of a Payment Order by a Customer’s bank | Up to 2 hours following the successful execution of a payment order |
Latest time by which a Merchant or Customer may cancel a Payment Order | Not relevant, once a payment is initiated successfully it cannot be canceled. Utilises the same level of security as online banking and is in many ways similar to a bank transfer. |
Time taken to complete a transfer of funds from the GoCardless Client Account to the Merchant’s Nominated Account | Paid out after 3 business days or 4 business days if the payment was collected after 6:30 PM on a business day |
Time is taken to complete a transfer of a refund from the relevant GoCardless bank account to a Customer’s bank account (assuming refund request is made before 11:00 local time in London, the United Kingdom on the Payment Order date of the refund) | Within 1 Business Day |
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Seen 'GoCardless LTD' on your bank statement? Learn more
GoCardless (company registration number 07495895) is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, registration number 597190, for the provision of payment services.
GoCardless SAS, an affiliate of GoCardless Ltd (company registration number 834 422 180, R.C.S. PARIS), is authorised by the ACPR (French Prudential Supervision and Resolution Authority), Bank Code (CIB) 17118, for the provision of payment services.