"We save money on every transaction - around £1000 a month at the moment. As we grow, the amount we save will grow with us."

David LesterFounder & MD, Citrus HR

Key benefits

Cost savings of £1000 per month, time savings of 2 days a month and fewer payment failures

Company name

Citrus HR


HR software and consultancy

Number of employees

20 inhouse + 15 consultants

Previous payment provider

Credit cards

Time saved using GoCardless

2 days a month

Money saved using GoCardless

£1000 a month

Citrus HR is a fast-growing cloud software and consultancy startup, providing flexible HR support to UK small businesses.

The business offers variable monthly subscriptions at £10 per employee per month (and £5 per employee for those with more than 15).

“The HR industry hadn’t really changed in a decade – we felt it was time for a change,” says Founder & Managing Director, David Lester.  “We aim to offer a more flexible and friendly service that combines time-saving software with qualified HR consultants.”

Credit cards not fit for purpose

CitrusHR started out by offering card payments to customers - but found it to be “a real nightmare”. David explains:

There were several major issues with credit cards. Dealing with the credit card companies was challenging, payments often failed and the costs were high.”

CitrusHR was asked to pay 2.5% fee on each transaction, as well as a monthly account fee of £100. David explains: “Because we work online, we were deemed as ‘cardholder not present’, and viewed as a risk, which meant a higher monthly account fee.”

Moving to Direct Debit

David received a recommendation from another software business about GoCardless.

“Our developers looked at the GoCardless API and we integrated it with our billing software in one afternoon. We were up and running straight away.”

CitrusHR started offering Direct Debit payments to customers through GoCardless in 2016, but David assumed that two-thirds of customers would still want to pay by card.

“That hasn’t happened at all,” he reports.

“Customers have voted with their feet - today more than 80% have chosen to pay with GoCardless.”

“We expect that number to grow all the time - we’ve just added a new product type and customers can only pay for that with GoCardless. We expect to turn off credit cards all together at some point.”

Realising results

After 2 years of using GoCardless, David says the results have been “overwhelming”.

“The set up cost was close to zero,” he explains “ Less than an afternoon’s work for our developers and only 15 minutes for me. We’ve gained 2 days a month back in time from a much faster accounting process and from not having to deal with failed payments - and we avoid difficult conversations with customers when their credit cards expire.”

David and team can also more easily track and report on transactions using the GoCardless API. “The reporting on the back end is a lot better than what we received from credit card companies,” he says. “And our admin team love the fact that reconciliation process is much easier. Overall, for me, a lot of stress has been taken away - payments is one less thing I have to worry about.”

The business has also seen significant cost savings - around £1000 a month. David explains:

We save money on every transaction - and as we grow, the amount we save will grow with us."

“Paying with GoCardless is absolutely the way forward – for any business and particularly a tech-driven business, it’s a no-brainer.”

CitrusHR even prefers to pay its own business bills through GoCardless, says David.

“I have experienced the downsides of cards as a customer and I know that updating expired cards is a real hassle. We pay our suppliers by GoCardless where possible - last year I had a conversation with three US-based SaaS suppliers and I told them I would only use them if they integrated with GoCardless!”

Start your GoCardless story today

Join the 50,000 businesses already using GoCardless

Sign up nowContact sales

GoCardless Ltd., Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom

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, WeWork - 7 rue de Madrid, Paris, 75008, France

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.