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Customer bank statement references

This article provides a guide to the references shown on customer (payer) bank statements for payments collected through GoCardless.

Please note that this is a guide only. Whilst these are the references provided to banks when collecting payment from customers' bank accounts, we are not able to guarantee that the same reference will appear on their bank statement in its entirety.

Please note the following for the table below:

Standard payer references are partly comprised of the merchant name you entered in the GoCardless dashboard in the 'Add your brand' section' and this can be a useful indicator for your customer to understand who they are paying.

SCHEME SCHEME REGION (CUSTOMER LOCATION) STANDARD PAYER REFERENCES PAYER REFERENCES if you choose Merchant Name on Payer Bank Statements feature

ACH

United States

GC: [Merchant name]

Reference field = [GoCardless random string]

Individual identification = [GoCardless random string] + [payment reference]

[Merchant name]

Reference field = [Merchant prefix (2 characters)] + [GoCardless random string]

Individual identification = [GoCardless random string] + [payment reference]

Autogiro

Sweden

G [Merchant name]-[unique reference]    

[BANKGIRONUMMER_NAME]-[Merchant name]-[unique reference]

Bacs

United Kingdom

GOCARDLESS-[Merchant name]-[Mandate reference]

[SUN_NAME]

[Mandate reference]-[Payment reference]

BECS

Australia

GOCARDLESS-[Merchant name]-[Mandate reference]-[Payment reference]

[MERCHANT_NAME]-[Mandate reference]-[Payment reference]

BECS NZ

New Zealand

GOCARDLESS

Reference field = [Payment reference]

Particulars field = [merchant name]

Code field = [unique reference]

MERCHANT NAME

Reference field = [Payment reference]

Particulars field = [empty]

Code field = [unique reference]

Betalingsservice

Denmark

(BS) GOCARDLESS-[Payment reference]

(BS) [PBS_NAME]-[Payment reference]

PAD

Canada

GoCardless

[Merchant_name]

SEPA

Eurozone

GOCARDLESS-[Mandate reference]-[Payment reference]

 GC re [CID_NAME]-[Mandate reference]-[Payment reference]

Character limits

ACH

  STANDARD PLUS PRO/CUSTOM

Merchant Name Character Limit 

16

16

16

Additional Reference Field Character Limit

10

10

10

AUTOGIRO

  STANDARD PLUS PRO/CUSTOM

Merchant Name Character Limit

12

12

12

Additional Reference Field Character Limit

12

12

12

BACS

  STANDARD PLUS PRO/CUSTOM

Merchant Name Character Limit

18

18

18

Additional Reference Field Character Limit

18

18

18

BECS

  STANDARD PLUS PRO/CUSTOM

Merchant Name Character Limit

10

16

16

Additional Reference Field Character Limit

18

18

18

BECS NZ

  STANDARD PLUS PRO/CUSTOM

Merchant Name Character Limit

20

20

20

Additional Reference Field Character Limit

12

12

12

BETALINGSSERVICE

  STANDARD PLUS PRO/CUSTOM

Merchant Name Character Limit

38

38

38

Additional Reference Field Character Limit

30

30

30

PAD

  STANDARD PLUS PRO/CUSTOM

Merchant Name Character Limit

15

15

15

Additional Reference Field Character Limit

No reference field available

SEPA

  STANDARD PLUS PRO/CUSTOM

Merchant Name Character Limit

70

70

70

Additional Reference Field Character Limit

140

140

140

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