Deutsch English (AU) English (CA) English (GB) English (US) Español Français

Did this answer your question?

Thank you, your ticket has been marked as resolved!

If you have any further questions, please reply via your recent email from us or alternatively submit a new request to our Support team here.

Dismiss

Sorry we couldn't solve your issue here! Your original request has been received and we'll get back to you as soon as possible.

Dismiss

Articles in this section

See more

Chat with us

Can't find what
you're looking for?

GoBot can help you answer your
questions, but first we need to
know how you use GoCardless.

Provide visibility and control to customers

Variable Recurring Payments (VRP) are a powerful new capability for Open Banking in the UK. It is a payment method that allows payers (end customers) to grant a single consent, or mandate in GoCardless language,  that facilitates multiple payments; enabling innovation in payment experiences and the creation of new types of financial services.

One of the main features of VRP is that the flexibility for the merchant, in being able to charge variable amounts at different intervals through a single consent, is balanced against the visibility and control that the payer has over that consent.

This document is a guide to meeting the requirements for visibility and control for the payer and it is broken down into two core requirements.

  1. Show relevant information about the VRP mandate to the payer

  2. Allow the payer to cancel the VRP mandate

Requirement Details How we may support this functionality

Show relevant information about the VRP mandate to the payer

The payer must be able to see a list of their VRP mandates, with the following information:

  • Bank name (or nickname if used)

  • Account type (if provided)

  • Start date i.e., date mandate was first created

  • End date or where relevant then ongoing nature of the consent

  • [Optional] Date that the last payment was made

  • Total paid till to date

  • A status flag (one of Active” or “Expired” or “Cancelled”)

  • Warnings or alerts if the consent is close to expiry.

 

Our existing endpoints will enable you to retrieve all of the information you need.

Our Billing Requests endpoint provides a  list of the requests made for a given payer (customer).

With the Billing Request, you may find the consent parameters and linked mandates, payments and bank accounts which hold the remainder of the required information.

Additional information, such as the most recent payment, is available through the payments endpoint.

 

The payer must be able to find a detailed view of each VRP mandate:

  • Bank name (or nickname if used)

  • Account type (e.g., current account)

  • Account details (e.g., masked account number)

  • Start date

  • End date

  • Payee details

  • Consent parameters associated with the mandate

The payer should be able to find a “cancel” button in this view, see next requirement

Allow the payer to cancel the VRP mandate

The payer must be allowed to cancel the VRP mandate. There are three ways in which the payer may do so (in order of preference):

  1. With you, the merchant

  2. Directly through their mobile banking app or online banking

  3. With GoCardless

Should the payer contact GoCardless, we will direct them to you for managing their mandate.

The mandates endpoint supports cancellation.

Related articles