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Collecting from multiple regions

PLEASE NOTE : The following information is only applicable to merchants using separate domestic payout bank accounts for each Direct Debit scheme. If you are collecting international payments and having all payments paid out into a single bank account in your home currency via our FX service, the following information does not apply.

The information below is applicable for all merchants looking to add additional Direct Debit schemes to their GoCardless account. To request a new scheme to be added to your account, please complete our New Scheme Request form.

Please read

  1. When to add a new scheme
  2. Requirements

Frequently asked questions

  1. Can I use the same bank account to receive payouts of funds collected through multiple schemes?
  2. What currency will I receive payouts in?
  3. How can I add another Direct Debit scheme to my account?
  4. How do I add another bank account?
  5. I use GoCardless via a 3rd party partner integration. Can I take payments from overseas customers?

 

Please read

When to add a new scheme

Schemes are tied to the country or region where your customers are based. As such, for each country your customers are based in, you will need to enable the scheme for that region. Your customers will be charged in their local currency i.e. the currency of the scheme.

 

Requirements

Payout bank account:
 
- Domestic (bank account based in same region as scheme)
There are no additional bank account requirements in order to receive your funds. Having a bank account based in the same region as the scheme will ensure you receive your funds in the shortest available timeframe.
 
- International (bank account based outside of scheme’s region)
We pay out funds in the same currency as we collect them in from your customers. As such, your bank account will need to be able to accept incoming payments in the currency applicable to the scheme. Please check with your bank to ensure your account is able to receive funds in the currency of the scheme you wish to add.
 
 
Please note, unless you have a bank account set up in the currency of the funds collected, your bank will convert the funds upon arrival into your bank account’s local currency. This could result in additional fees from your bank.
 
Wherever possible, we recommend opening a bank account in the country/region where the scheme is based as this will avoid foreign exchange fees.
 
Language support:
 
To collect payments from overseas customers you will need to be able to support your customers in the language native to the region that scheme is based.

 

Frequently asked questions

Can I use the same bank account to receive payouts of funds collected through multiple schemes?

Yes, providing your bank account meets the payout criteria as outlined above.

Please note, some banks may charge to receive international payments. Please check with your bank if you are unsure about this.

 

What currency will I receive payouts in?

You will receive a payout in the same currency as the payment was collected in. If you are collecting payments in multiple currencies you will receive separate payouts for each of those currencies.
 
If the currency of the funds you are receiving does not match the currency of your bank account, then your bank will convert the funds prior to paying them into your account. Please note that you may incur additional charges from your bank for this service. 

 

How can I add another Direct Debit scheme to my account?

To add another region to your GoCardless account, please fill out our New Scheme Request form here.

Our team will then enable the scheme on your account and confirm once done. Once confirmed, you will then need to add your bank account to receive payouts for funds collected through that scheme.

 

How do I add another bank account?

You can add an additional bank account in the same way as you did when adding your first bank account. This is done via the GoCardless Onboarding flow and can be accessed here. This option is available to you once the new scheme is enabled on your account.

Please note: Once you add your new bank account, your payouts will be temporarily disabled across all schemes while you complete the verification process for this bank account.

 

I use GoCardless via a partner integration. Can I take payments from overseas customers?

This will depend on which 3rd party integration you are using us with and whether they have enabled multiple payment schemes in their integration.  We recommend getting in touch with the partner directly to enquire as to whether this functionality is available.