GoCardless (Direct Debit)

Not to be confused with GoCardless Banking —
that app is read-only (fetches transactions). This one is the
payment gateway side of GoCardless: pulls EUR / GBP from
customer bank accounts via Direct Debit mandates.

The payments app ships GoCardless Settings and GoCardless
Mandate for this.

When to use it

• Recurring B2B billing in EUR / GBP — once a customer signs a
  mandate, you debit their bank monthly without re-authorisation.
• Lower per-transaction cost than cards — typically <1% vs ~1.5%
  for cards. The trade-off: collection takes 2-3 business days, not
  instant.
• You already use GoCardless for transaction data — same vendor
  for both flows simplifies billing.

If you primarily sell to consumers, Mollie's SEPA DD support is
usually simpler.

Settings

GoCardless Settings (single) — same secret you use for
GoCardless's Direct Debit API (separate from the Bank Account Data
API used by GoCardless Banking).

A mandate per Customer is stored as GoCardless Mandate records
in ERPNext.

Workflow

1. New customer signs a SEPA / Bacs mandate via GoCardless's hosted
   page.
2. Mandate stored on the Customer.
3. ERPNext Subscription / Sales Invoice triggers a charge against
   the mandate.
4. GoCardless settles the funds 2-3 business days later, webhook
   confirms.
5. ERPNext creates the Payment Entry.

Prilk support

Upstream-maintained gateway. We support it as part of standard
ERPNext implementations. The Bank Account Data side (transaction
pulling) is on our GoCardless Banking
page.

Upstream GoCardless DD docs.