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Direct Debit API for 1%; max £2

gocardless.com

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Re: Direct Debit API for 1%; max £2

#71

Post by hirokitakeuchi »

nodata wrote: post #56
hirokitakeuchi wrote: post #51

Earlier quoted context omitted.

Hey Brador, I'm one of the founders at GoCardless. Consumers are covered - Direct Debits come with a very strong consumer guarantee. You can find out more about it here: http://www.thesmartwaytopay.co.uk/directdebitexplained/pages...

Brador, can you answer his other two questions?

Sorry - missed the other questions:

What shows on the bank statement? - GoCardless shows up on the bank statement

Is collective payment taken once a month or on a per transaction? - We take a payment for each transaction. This makes it clearer for payers and merchants get their money quicker.

Re: Direct Debit API for 1%; max £2

#72

Post by hirokitakeuchi »

jentulman wrote: post #58

This looks like great news. Hirokitakeuchi could you describe what the payment flow would be like for me as a merchant if my customer has never encountered GoCardless before? Until you gain some traction I'm wondering where perceptions of trust on the part of my customer might be affected by their interactions with GoCardless during a payment. [edited for grammar]

Your customer pays through our hosted checkout pages.

We have found that a combination of the Direct Debit branding and the merchant's branding help with customer trust.

Re: Direct Debit API for 1%; max £2

#75

Post by hirokitakeuchi »

rayhano wrote: post #62

Two questions: 1. How quickly is the money in the merchant account after the payment is authorised by the consumer? 2. Is the Faster Payments system now the new standard? If so, what is the difference between this and electronic Direct Debit and will you be porting onto Faster Payments? 3. What is next for GoCardless, apart from user (business) acquisition?

1. We pay out on a 7 days after a transaction is initiated.

2. Faster payments is the new standard for payments initiated from within a bank account (e.g., via online banking). Direct Debit is still the standard for "pull" based payments.

3. Keep an eye out. We have some big announcements coming up.

Re: Direct Debit API for 1%; max £2

#76

Post by hirokitakeuchi »

matthewking wrote: post #70
justincormack wrote: post #40

Earlier quoted context omitted.

It appears so from this example, where there is a usage based fee https://gocardless.com/docs/api_guide#pre-authorization I can't see any guidelines about how you are recommended to approach these types of situation. In some ways pre-setting a max limit is nice for the customer if you warn them when they approach. I know people who have been billed huge amounts on AWS without really realizing. SO long as you hand hol…

If we are able to provide some blurb on the form then it can probably be explained adequately to alleviate any of the customers concerns, on the other hand if they just see a form asking for authorisation to take an amount over their standard subscription it probably won't work. I agree that subscriptions could change if they just have to tick a box and not provide all their details again, it's just that in our case…

You can pass in information to display on the checkout pages. We can definitely help you with any kind of variable billing. You can come and chat with us at:

https://gocardless.campfirenow.com/3ae88

[edited link]

Re: Direct Debit API for 1%; max £2

#77

Post by dan_b »

alexchamberlain wrote: post #4
6ren wrote: post #3

> Currently we are UK-only. We will be rolling out internationally soon.

I don't think this is a bad thing - there are plenty of British only websites, and IMHO, too many US-only payment solutions.

This is great news. Finally a UK-based payments solution. The difficulty/cost of getting a Merchant Account and taking payments is what has put me off beginning any of my weekend projects in earnest. Wishing you the best of luck with this.

Re: Direct Debit API for 1%; max £2

#79

Post by justincormack »

nixy wrote: post #69
justincormack wrote: post #55

Earlier quoted context omitted.

Do they use the same API? Or do I have to code each bank? Can you pay to other EU countries? Is there a good documentation source?

APIs are, as far as I know, not publicly available. Each bank has their own API—again as far as I am aware. I have never seen any integration of this sort with a Swedish bank on an international site, but I don't know if that is because international vendors don't want to bother with integrating with a number of different bank APIs in X number of countries, or if you need to have a local (Swedish) account to be able…

It does look like these are pretty non standard. Moneybookers seem to integrate with a lot of them judging from this http://moneybookers.com/merchant/en/moneybookers_gateway_man... - Poland seems to win for having the most different standards!

The only place I can find that seems to integrate these is Inpay, who I had not heard of before http://www.inpay.com/ who seem to have pretty good coverage.

Re: Direct Debit API for 1%; max £2

#80

Post by vizzah »

hirokitakeuchi wrote: post #71
nodata wrote: post #56

Earlier quoted context omitted.

Brador, can you answer his other two questions?

Sorry - missed the other questions: What shows on the bank statement? - GoCardless shows up on the bank statement Is collective payment taken once a month or on a per transaction? - We take a payment for each transaction. This makes it clearer for payers and merchants get their money quicker.

Few more questions: - How merchants are protected against fraudulent chargebacks? - How refunds are handled?
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