February 3, 2012

GoCardless Integration Guide

Resource

A quick guide to help you get started with GoCardless

Jump to:

GoCardless Overview
GoCardless Fees
GoCardless Payouts
Connecting Your Account
GoCardless and Your Tariffs
GoCardless and Your Members
FAQs

GoCardless Overview

Here at Coherent, we offer operators two payment gateways – Stripe and GoCardless.

The most significant difference between the two is that GoCardless only supports direct debit, whereas Stripe supports debit and credit card payments.

You can have both Stripe and GoCardless integrations active, but you must choose one as your workspace default mandate.

GoCardless Fees

GoCardless is a little more competitive compared to Stripe.

GoCardless Charges

For UK transactions, GoCardless charge 1% + 20p (capped at £4) on each invoice. For international transactions, GoCardless charge 2% +20p on each invoice.

You can find the full pricing details for GoCardless here.

Stripe Charges

For EU transactions, Stripe charge 1.4% + 20p on each invoice. For non-EU transactions, Stripe charge 2.9% +20p on each invoice.

You can find the full pricing detail for Stripe here.

GoCardless Payouts

With GoCardless, it takes 3 days to set up a Direct Debit mandate, and 5-6 days for subsequent payment requests to be processed.

What does this mean for Monthly Members?

Invoices are raised on the 1st of the month
The payment request is submitted on the 3rd working day of the month
Payment processed and paid out on 5th working day (6th working day in some cases)

Please note – payment times vary from country to country.

What does this mean for PAYG Members?

Depending on your billing preferences set out in your workspace settings, Pay As You Go members pay for their bookings either:

at the time they make the booking,
at the time the booking takes place,
or a set amount of days before or after the booking is due to take place.

GoCardless and PAYG Bookings

Invoices are raised on the timeframe set out in your workspace settings
The payment request is submitted at the time the invoices are raised
Payments are processed and paid out on the 5th working day (6th working day in some cases)

Please note – payment times vary from country to country.

Read more about GoCardless Payouts here.

How to Connect Your Coherent Account to GoCardless

You can set up your GoCardless account when you connect to Coherent.

To set up your payment gateway integration, head to:

> Operator Dashboard > Integrations > and select ‘Connect to GoCardless’

From here, you can log in to an existing GoCardless account or create a new one. Coherent will then guide you through the setup process.

You can choose to set GoCardless as your default payment gateway from your workspace settings. This setting will apply to all new tariffs that you create.

To change your default payment gateway, head to:

> Workspace Dashboard > Settings > Preferences (tab) > Scroll down to ‘Billing’ > Tick GoCardless > Hit ‘Save Changes’

Please note: We have added features that allow you to use both Stripe and GoCardless simultaneously.

GoCardless and Your Workspace Tariffs

Coherent puts you in charge of your payment gateways.

You can choose to set GoCardless as your preferred payment gateway for your entire workspace. If you are only connected to GoCardless from the integrations section, Coherent will set GoCardless as the default payment option.

Otherwise, you can select which tariffs will use Stripe and which will use GoCardless if you are connected to both payment gateways.

To set GoCardless as your chosen payment gateway option at tariff level, head to:

> Workspace Dashboard > Tariffs > Select ‘Edit’ next to the one you would like to change > Scroll down to ‘Billing Details’ > Tick the box next to ‘GoCardless’ > ‘Save Tariff’

GoCardless and Your Workspace Members

GoCardless is a great payment option for members who would like to pay by Direct Debit.

If you have a tariff where the payment gateway is set to Stripe, and you have a member who would like to join that tariff but can’t pay by Debit or Credit Card, you can change their preferred payment gateway from their profile.

To set GoCardless as the chosen payment gateway option at the member level, head to:

> Workspace Dashboard > Organisations > Find the member in question > Click their name to access their member profile > Head to the ‘Billing’ tab > Scroll down to ‘Payment Method’ > Tick the box next to ‘GoCardless’

Please note – you will only see the option to select a payment gateway if the member hasn’t already provided payment details.

If you have a member who has already submitted Stripe details and you would like to change them to pay by GoCardless, you will need to remove their current payment details.

To remove a member’s payment details, head to:

> Workspace Dashboard > Organisations > Find the member in question > Click their name to access their member profile > Head to the ‘Billing’ tab > Scroll down to ‘Payment Method’ > Hit ‘Remove Payment Details’

You will then be able to select GoCardless from this same menu.

Coherent will then alert your member with a notification on their dashboard that their payment details are missing. When the member clicks the notification from their dashboard, they will enter the GoCardless payment set-up process.