Supported Schemes#
GoCardless supports a range of direct debit schemes and alternative payment methods across multiple countries. Each scheme has its own rules, timelines, and supported countries.
Direct Debit Schemes#
| Scheme | Region | Countries |
|---|---|---|
| Bacs | United Kingdom | United Kingdom |
| SEPA Core | Europe | Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain |
| ACH | United States | United States |
| Autogiro | Sweden | Sweden |
| Betalingsservice | Denmark | Denmark |
| BECS | Australia | Australia |
| BECS NZ | New Zealand | New Zealand |
| PAD | Canada | Canada |
Alternative Payment Methods#
These methods are not direct debit schemes but are available through the GoCardless platform as alternatives.
| Method | Region | Notes |
|---|---|---|
| PayTo * | Australia | A real-time payment initiation method. Not a direct debit scheme. |
| Faster Payments * | United Kingdom | A real-time bank transfer method. Not a direct debit scheme. |
* These are instant payment methods, not direct debit. They do not create a reusable mandate in the same way as direct debit schemes, but can be used alongside direct debit as part of a combined payment flow.