The following payment timings presume that all required actions are completed before 4pm UK time. If the customer's authorisation or the payment creation is completed after 4pm, there would be an additional day in the process.
Note: If a payment is created on a weekend or bank holiday, the process will begin on the next available working day.
a. For customers without an active Direct Debit mandate (who need to authorise):
| (WORKING) DAY | EVENT | FURTHER DETAILS |
|---|---|---|
| 0 |
Customer completes authorisation form Payment created in GoCardless |
Details of the customer's new mandate is sent to their bank to set up (providing this was done before 4pm). If a payment was linked to the authorisation, this is created in our system and can be viewed in your merchant dashboard. |
| 1 | Customer's bank processes mandate creation request | The customer is also sent an automated payment notification email if one is due to be charged as soon as possible (in 3 working days time). |
| 2 |
GoCardless receives confirmation of mandate set up Payment submitted to Bacs for processing (4pm) |
The customer's bank informs us of whether or not the customer's mandate was set up successfully. If so, their payment is submitted to Bacs for processing at 4pm. (We can only cancel a created payment before this point). |
| 3 | Customer's bank receives the payment request | This is then processed by Bacs. |
| 4 | Customer charge date | |
| 5 | Customer's bank confirms new payment status | Customer's bank confirms the updated status of the payment i.e. successful, failed, etc. (This will usually update in your dashboard by approx. 12pm) |
| 6 | Funds paid out to merchant | These should reach the merchant's bank account between 2-5pm. |
b. For customers with an active Direct Debit mandate:
| (WORKING) DAY | EVENT | FURTHER DETAILS |
|---|---|---|
| 0 | Payment created in GoCardless | Notification email sent to customer (providing the payment is not part of a recurring subscription of the same value as previous charge amount). |
| 1 | Payment submitted to Bacs for processing at 4pm | |
| 2 | Payment processed by customer's bank | |
| 3 | Customer charge date | |
| 4 | Payment status confirmed by customer's bank | Customer's bank confirms the updated status of the payment i.e. successful, failed, etc. (updates in dashboard by 12pm) |
| 5 | Funds paid out to merchant | These should reach the merchant's bank account between 2-5pm. |