Please note: Availability of plans and features may vary by region. Please consult our Product Bundle Description to read the full details.
- Who can use GoCardless Protect+ and where is it available?
- What is payment intelligence and how does GoCardless Protect+ use it?
- Can Partners offer GoCardless Protect+ to their merchants?
- How do I implement each feature of GoCardless Protect+?
- How much does GoCardless Protect+ cost?
Who can use GoCardless Protect+ and where is it available?
GoCardless Protect+ is currently only available to merchants on the Pro plan with customers who have bank accounts in the UK, US, Germany, or France. If you meet these requirements and are interested in using this product, please reach out to your account manager.
When GoCardless Protect+ is enabled, the features available to you may vary depending on which features are supported for your country and direct debit scheme.
Please see the table below to confirm which feature is available where:
| SCHEME | DETECT | VERIFY | MONITOR* | CHALLENGE |
|---|---|---|---|---|
|
ACH |
Yes |
Yes |
Yes |
No |
|
AUTOGIRO |
Yes |
Yes |
Yes |
No |
|
BACS |
Yes |
Yes |
Yes |
Yes |
|
BECS |
Yes |
No |
Yes |
No |
|
BECS NZ |
Yes |
No |
Yes |
No |
|
BETALINGSSERVICE |
Yes |
No |
Yes |
No |
|
PAD |
Yes |
No |
Yes |
No |
|
SEPA |
Yes |
Yes (Germany |
Yes (Germany |
No |
Each feature can be configured and used as preferred. Please see How do I implement the features of GoCardless Protect+? for more detail.
For any questions on which GoCardless Protect+ components are available to you, please contact your account manager for more detail.
What is payment intelligence and how does GoCardless Protect+ use it?
Thanks to over a decade of processing bank debit payments, GoCardless has access to its own proprietary data including:
-
10s of billions of dollars worth of payments
-
10s of millions of payments
-
~600K unique payers
-
30K unique organisations
-
37 countries that the payers are from
Our GoCardless Protect+ and Success+ products utilise this payment intelligence data to optimise our merchants' payment processes.
Can Partners offer GoCardless Protect+ to their merchants?
Partners must use Billing Request Flows or Redirect Flows and enable GoCardless Protect+ before their customers can use the product.
How do I implement each feature of GoCardless Protect+?
For information on implementing each feature, please see below.
Please note: If you need assistance using our API, please get in touch with our Support team at api@gocardless.com.
Blocklists
Blocklists can be implemented via the GoCardless API using the Blocks endpoint.
Note that Blocklists do not require a full-fledged integration and can be done using an API Client tool such as Postman.
Verified Mandates
If you use Billing Request Flows, you can choose to implement Verified Mandates on its own or combined with the rest of Protect+. If you use Redirect Flows, you can only use Verified Mandates as a part of the rest of Protect+. This means Protect+ will only put riskier payers through a Verified Mandate (our recommended flow). Please see here for more detail.
Monitor
When GoCardless Protect+ is enabled, the Monitoring page will be available and ready to use in your dashboard.
Chargeback Challenges
If the Chargebacks feature is supported by your direct debit scheme and country, the page will be available and ready to use in your dashboard once GoCardless Protect+ is enabled.
How much does GoCardless Protect+ cost?
GoCardless Protect+ is included in the Pro plan transaction fee.