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 Instruction (DDI)
- GoCardless has received an instruction to create a payment
Please note:
- A DDI 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 | NEW ZEALAND TIMINGS (NZST) | UK TIMINGS | ||
|---|---|---|---|---|
| Business day | Time | Business day | Time | |
| Payment creation deadline * | 0 | 5pm | 0 | 4-6am |
| Customer charge date | 2 | From 9am | 3 | From 8pm |
| Payment status confirmed (successful / failed) | 5 | 4-6am | 4 | 5pm |
| Payout submission | 5 | 10pm-12am | 5 | 11am |
| Payout received (NZ based bank) | 6-7 | From 9am | 5-6 | From 9pm |
| Payout received (non-NZ based bank) ** | 7-9 | Bank dependent | 6-8 | 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 FX, please allow an extra 2-4 working days to receive your payout.