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:
For Standard payer references, Merchant name refers to what you have entered for this and can be viewed or amended within the 'Add your brand' section (step 4) of your Company Info dashboard settings.
| Scheme | Scheme region (customer location) | Standard payer references | Plus / Pro payer references |
|---|---|---|---|
| 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] |