Bank Debit Payment Infrastructure

GoCardless is a global payments network specializing in bank-to-bank payments through direct debit schemes, enabling businesses to collect recurring and one-off payments directly from customer bank accounts in over 30 countries. The platform integrates with five major payment schemes: Bacs in the United Kingdom, SEPA Core in the Eurozone, BECS in Australia and New Zealand, Autogiro in Sweden, and PAD in Canada, with a single API abstracting the regulatory and technical differences between each scheme. Instant Bank Pay provides open banking-powered instant payments as an alternative to card payments, with same-day settlement, reduced transaction costs compared to card networks, and higher conversion rates through a streamlined bank authorization flow. The API-first architecture offers RESTful endpoints and webhooks for creating customers, mandates, payments, subscriptions, and refunds, with SDKs available for PHP, Java, Ruby, Python, Node.js, Go, and .NET, enabling developers to embed payment collection into their applications. Integration partners include billing platforms like Xero, QuickBooks, Sage, Stripe, Zuora, Chargebee, and Recurly, plus over 350 partner integrations across accounting, invoicing, membership, and subscription management software. The dashboard provides real-time visibility into payment status, success rates, failed payment handling with automated retry strategies through SuccessPlus and Intelligence, and customer communication tools for payment notifications and mandate management. Security and compliance include SOC 2 Type II certification, PCI DSS Level 1 compliance, ISO 27001 certification, and GDPR adherence. The platform processes over 35 billion dollars in transactions annually across more than 85,000 businesses worldwide, serving organizations of all sizes from independent freelancers to multinational enterprises like DocuSign, TripAdvisor, Box, and Europe's leading newspaper publishers.