When a merchant signs up for GoCardless, by default we enable them for either Bacs (UK), SEPA (Eurozone) or Autogiro (Sweden) based on the IP address that they used to sign up. A merchant can contact us to request to be set up on additional schemes.
To understand the Direct Debit schemes a merchant is enabled for, you can use our creditors endpoint. This will allow you to confirm the merchant is set up on a specific scheme before accepting a payment in that currency, avoiding error messages.
To find out which currencies a creditor is using:
- Make a request to list creditors (https://developer.gocardless.com/api-reference/#creditors-list-creditors). For organisations linked to an app, there will only be 1 creditor in the response.
- Get the 'scheme_identifiers' attribute of the creditor, which is an array.
- Gather the 'currency' values for each scheme identifier.
If you have any questions or feedback, please contact us.