GoCardless is payment platform that allows Chargify merchants to easily collect Direct Debit payments. Your subscriber may easily add existing banking information to seamlessly pay for products and services.
In order to use GoCardless, a merchant must be located within one of the following countries:
|Åland Islands||Italy||San Marino|
|France||Mayotte||Saint Pierre & Miquelon|
When using GoCardless, a complete billing address must be supplied with each payment method for a subscription. A complete payment method must include the following items:
- Street address
- Street address line 2 (optional)
- 2 digit country code
- Postal / zip code
Please note that even if the product does not require an address, the GoCardless gateway requires the address to be entered on the payment form.
GoCardless is supported for the following currencies:
- GoCardless only supports Direct Debit. That said, with multi-gateway enabled, another gateway can be configured to accept credit cards and other payment methods
- We allow merchants using Relationship Invoicing to use GoCardless
- GoCardless may not be used with Chargify sites that use the legacy invoices / statements functionality.
- In order to process refunds, GoCardless must approve your merchant account beforehand.
- Bank accounts may not be created from within the admin UI, including when manually creating a subscription.
- This is because the customer must view and confirm the details of their mandate, which is not possible if another individual is entering the information for them.
- When creating a subscription manually, a workaround is to sign the customer up on a free trial or with a future billing date so they can enter their bank account information after signup.
- Chargify currently does not support GoCardless' "Automatically retrying failed payments" feature.
- Partial payments are not supported. Only a payment for the full amount of the invoice may be applied.
To begin using GoCardless in your Chargify site, select “Connect with GoCardless” in your settings for your site. Setting up the connection between Chargify and GoCardless is easy and secure thanks to GoCardless’s OAuth feature. All that’s required is that you enter your email address and password and we’ll handle the rest.
From here, you’ll be securely redirected to the GoCardless where there are two options:
- If you already have a GoCardless account, select “Sign In” at the bottom of the page to continue.
- If you do not have a GoCardless account, complete the form to create an account.
You may connect a GoCardless account to multiple Chargify sites within the same Chargify account.
Now that your Chargify site is connected to GoCardless, it’s time to start accepting subscriptions that contain Direct Debit information as a payment method. We’re going to review two ways to create subscriptions with bank account information as payment via GoCardless. Both workflows will follow the same path:
- Create a subscription to a product in Chargify
- Provide contact information, including full billing address
- Include IBAN / banking information as the payment method
- Confirm the mandate for the current subscription
- View on-screen receipt for subscription or be redirected to a thank you page
In order to understand how GoCardless works with Chargify, it’s important as the merchant that you’re aware how mandates work. A mandate is required in order for a payment method to be deemed valid by the rules that govern Direct Debit.
Once a subscriber has successfully entered their banking information, GoCardless will issue a mandate to authorize funds transfer. This applies to banking information that is entered via a Public Signup Page or Self-Service Page.
To be transparent, a mandate is an authorization from your subscriber that grants permission to process current and future payments. For more information on mandates, please see the mandate guide from GoCardless.
Public Signup Page Flow
Using GoCardless to accept paymens via Public Signup Pages is extremely straightforward. Your subscriber will provide the following steps when they purchase a product:
- Customer-based information
- Complete bank information, include IBAN
- Complete billing address
Once a subscriber selects Place my order, they will be asked to confirm the Direct Debit mandate. The subscriber must agree to the mandate in order to complete the purchase.
From here, all recurring payments will be processed via the payment method provided at signup. Subscribers will have the option to update their card via Self-Signup Pages, which we’ll discuss below.
Self Service Page Flow
Occasionally your subscriber will need to update their payment method. They can do this easily using a Self-Service Page. If you’re unfamiliar with how Self-Service pages work, we recommend reviewing an overview on how these pages function.
When an existing subscriber visits a Self-Service Page, they will be provided the option to enter a new bank account.
Once they enter valid information, they will confirm the mandate for the new payment method associated with the subscription.
For the Multi Gateway feature, the customer can change their Payment Profile to a different payment method if one is set. The only restriction to that is when a Direct Debit payment is still pending. Until it is resolved, the customer can only change their Payment Profile to another Direct Debit Account.
Refunds are not available for all GoCardless accounts at this time. This limitation hails from restrictions that are placed at the GoCardless level; Chargify does not have control over which merchant accounts may process refunds.
If your GoCardless account can process refunds, payments that have been in the confirmed state for at least 2 days (48 hours) before a refund can be initiated.
To learn more about how to process refunds for your subscriptions in your Chargify site, please see the instructions under subscription summary actions.
When connecting to your GoCardless account, it’s possible to import customers and payment profiles from GoCardless into Chargify. The import functionality will appear as a pop-up as long as there are customers within GoCardless that aren’t inside Chargify; this pop-up can be triggered when first connecting to GoCardless as well as reconnecting.
Please note that this process only imports customers and bank accounts. Once those are pushed into Chargify, to charge these customers, subscriptions must be created in Chargify for them. Ensure that any subscriptions in GoCardless are canceled prior to re-creating them in Chargify.
There are three new webhooks in Chargify that are related to payments status change:
direct_debit_payment_pending- this webhook is sent when payment was created and submitted in GoCardless (payment is waiting for being processes)
direct_debit_payment_paid_out- this webhook is sent when payment was successfully processed in GoCardless
direct_debit_payment_rejected- this webhook is sent when payment was rejected in GoCardless (e.g. insufficient funds on the customer account)
For more information about webhooks see our Webhooks Reference
GoCardless Test Accounts
During testing, please refer to the GoCardless developer guide for test bank account numbers.
When entering a billing address, the billing country must match the country code for the IBAN number.
- For example if you provide a French IBAN number,
FR1420041010050500013M02606, the country code for the billing address must be France.
- Mixing of country codes for IBAN numbers and billing addresses is not supported.
- For example if you provide a French IBAN number,