API integration · GoCardless Direct Debit
Direct Debit built into your platform. Mandates set up at sign-up, payments collected on schedule, failed payments retried and access switched off and on automatically, with no one managing GoCardless by hand. Quoted up front, and you own the code.
I'll reply within 24 hours with a price.
Or WhatsApp / text 07398 946 380
Every project is different, so these are starting prices. You get a written quote before any work starts, then 50% to begin and 50% when you're happy with it.
Fixed recurring payments, collected automatically
From
£9951–2 weeks
Any amount against an existing mandate
From
£1,995about 2 weeks
Direct Debit plus instant bank payments
From
£2,4953+ weeks
Optional, once the integration is live
From
£49per month
GoCardless handles Direct Debit and open banking payments. Its API creates mandates, schedules payments, collects variable amounts and reports every change in a payment's status. A custom integration connects all of that to your platform, so billing runs on its own. See the GoCardless API integration guide.
GoCardless plugins for WooCommerce handle fixed subscription amounts. They don't do variable amounts, controlling access by payment status or matching payments to Xero invoices. A custom build does all three, and you own the code with no extra monthly fees.
Not included: your GoCardless account (it's free, and verification usually takes a few days), the wording of your customer emails (I trigger them, and you own the templates), your Xero subscription, SEPA Direct Debit, and changes to your platform outside the integration.
Payment is 50% to start and the balance on completion. For what drives the price, read what a GoCardless integration costs.
Send a short written spec by WhatsApp, text, email or the form: how you bill, what you're doing by hand now and what your platform is built on. I'll reply within 24 hours with a quote.
GoCardless takes payments straight from the customer's bank by Direct Debit, with no card involved. There are no chargebacks or expired cards, and you can collect different amounts without asking again. The trade-off is time, as Bacs payments take a few working days to arrive where card payments are instant.
Yes. Once a customer has set up a mandate, you can collect any amount against it with the advance notice the Direct Debit rules require. That suits invoices, usage charges and one-off fees.
GoCardless tells the integration straight away. It retries on the schedule you choose, lets the customer know and suspends access if the payment still isn't collected. Cancelled mandates are handled separately.
Yes. Bacs Direct Debit works for personal and business bank accounts in the UK. SEPA Direct Debit for European accounts can be quoted separately.
GoCardless charges its own fee per payment, taken directly by them. The build price covers the integration only.
Standard Direct Debit takes 1–2 weeks, variable billing about 2 weeks, and the open banking suite 3 weeks or more, starting once your GoCardless account is live and the deposit is paid.