GoCardless

ListedMeta-provider

Direct Debit collections across the UK, euro area, Nordics, Australia, New Zealand, Canada and the US, plus Instant Bank Pay, recurring pay by bank and CoP / VoP checks.

gocardless.com ↗

What it does

Each capability by country. Integrated means Unirail’s adapter does it today; listed means GoCardless offers it according to its public documentation, and Unirail can’t route it yet.

Banking

  • Account detailsbanking.ais.account-details

    The account and routing details of an account the user links: sort code and account number, IBAN, ACH routing and account number.

    • listedATBEBGCYCZDEDKEEESFIFRGRHRHUIEITLTLULVMTNLPLPTROSESISKISLINOGB

      Bank Account Data is closed to new sign-ups (https://bankaccountdata.gocardless.com/new-signups-disabled).

      Source, checked 2026-10-08 ↗
  • Balancesbanking.ais.balances

    Current and available balance of a linked account.

  • Transactionsbanking.ais.transactions

    Transaction history of a linked account.

  • Single paymentsbanking.pis.single

    One immediate payment from the payer's bank account, approved by the payer at their bank.

  • Commercial VRPbanking.pis.vrp-commercial

    UK variable recurring payments to a merchant or other third party (commercial VRP) under one mandate.

  • Payoutsbanking.payouts

    Sending money from a balance the provider or the platform holds to a recipient's account.

  • Direct debitsbanking.pay-ins.debit

    Pulling money from the payer's account under a mandate: ACH debit, Bacs Direct Debit, SEPA Direct Debit.

    • listedGBATBEBGCYDEEEESFIFRGRHRIEITLTLULVMTNLPTSISKSEDKAUNZCAUS

      Bacs, SEPA Core (euro), Autogiro, Betalingsservice, BECS, BECS NZ, PAD and ACH.

      Source, checked 2026-10-08 ↗

Verification

  • Confirmation of Payeeverification.cop

    UK Confirmation of Payee: asks the payee's bank whether the name matches the sort code and account number.

  • Verification of Payeeverification.vop

    EU Verification of Payee: asks the payee's PSP whether the name matches the IBAN, as the Instant Payments Regulation requires.

One contract that reaches many local rails. Payments through it pass through the provider’s own accounts on the way.

Coverage

Countries

  • GB United Kingdom
  • AT Austria
  • BE Belgium
  • BG Bulgaria
  • CY Cyprus
  • DE Germany
  • EE Estonia
  • ES Spain
  • FI Finland
  • FR France
  • GR Greece
  • HR Croatia
  • IE Ireland
  • IT Italy
  • LT Lithuania
  • LU Luxembourg
  • LV Latvia
  • MT Malta
  • NL Netherlands
  • PT Portugal
  • SI Slovenia
  • SK Slovakia
  • SE Sweden
  • DK Denmark
  • AU Australia
  • NZ New Zealand
  • CA Canada
  • US United States

Account schemes

  • payto://scan
    UK sort code and account number
  • payto://iban
    IBAN
  • payto://ach
    US routing and account number (ACH)
  • payto://bsb
    Australian BSB and account number

Custody

Who holds the money while a payment through GoCardless is in flight. Unirail records custody on every leg, and your routing policy decides which kinds are allowed.

  • provider-transitProvider holds in transit

    The provider holds the money between collecting it from the payer and paying it out to the payee. Routes like this only appear in quotes when your routing policy admits provider-transit custody.

An environment whose policy admits only none still sees these routes in quotes, marked infeasible with this reason.

Who is regulated

GoCardless under its own licences.

With your own contract, you stay the provider’s customer. Unirail acts as your technical service provider and calls GoCardless with your credentials.

Onboarding

Sandbox
Self-serve sandbox
Production
Partner programme

Platforms collecting for their users go through GoCardless's partner integration. Its support site now describes GoCardless as a Mollie company.

Credentials

GoCardless has no adapter yet, so there is no folder layout to create. It will appear here when the provider is integrated.

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