The following payment timings are dependent on the below 2 actions being completed by 4pm UK time on any business day. If either is completed after this time, there will be an additional day in the process.
- The payer has given authorisation to set up a Direct Debit Request (DDR)
- GoCardless has received an instruction to create a payment
Please note:
- A DDR is only set up when the first payment is due to be processed. It is not set up in advance.
- If a payment is created on a weekend or public holiday, the process will begin on the next business day
- Where there is a window of time specified, this is due to varying time zone differences across the year
| EVENT | AUSTRALIA TIMINGS (AEST) | UK TIMINGS | ||
|---|---|---|---|---|
| Business day | Time | Business day | Time | |
| Payment creation deadline * | 1 | 1-3am | 0 | 4pm |
| Customer charge date | 1 | From 9am | 0 | From 10pm |
| Payment status confirmed (successful / failed) | 3 | 2-4am | 2 | 5pm |
| Payout submission | 3 | 8-10pm | 3 | 11am |
| Payout received (AU based bank) | 4 | From 9am | 3 | From 10pm |
| Payout received (non-AU based bank) ** | 5-7 | Bank dependent | 5-7 | Bank dependent |
* Payments can be created in advance with the charge date specified. The time specified here is the cut-off to charge a customer as soon as possible. For one-off payments, this also marks the time when the customer is sent a notification email advising them of their payment.
** If collecting payments internationally with currency conversion, please allow an extra 2-4 working days to receive your payout.