---
title: "GoCardless Direct Debit"
space: "ERPNext"
url: "https://www.prilk.com/docs/erpnext/integrations/payments/gocardless-direct-debit"
updated: "2026-05-15"
---

# GoCardless (Direct Debit)

**Not to be confused with [GoCardless Banking](../banking/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](../banking/gocardless-banking)
page.

[Upstream GoCardless DD docs](https://github.com/frappe/payments).