Overview
GoCardless is a direct bank integration-only payment provider, which enhances the functionality of our current credit card payment provider like Stripe or CardConnect. This combination allows for a comprehensive and seamless payment processing experience with no set-up fees!
Country Support
US
Canada
Transaction Rates -- Click here to view the current Transaction Rates.
Features
Stop chasing paper checks
Reduced card fees
Bank debit collections through payment schedules
Employees can set bank information on customer profile
Allows customers to pay with their bank account
Setup GoCardless
Please follow these steps to set up your account correctly.
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Setup GoCardless Account
Email [email protected] to have them send you a setup link. When your GoCardless provider account is being set-up, you can choose to configure a specific $ amount to allow users to use bank information on all transactions above that amount.
Once the account is set up, please finish the below steps.
Add GoCardless Locator ID To Your Bank
If you have restrictions on your bank account regarding who can debit and credit, please add the following locator ID: GC Inc. - 7891460966Request Referenced Refunds
To be able to process refunds for GoCardless transactions, you will need to submit a request for refund access. -- Submit Request
How It Works
There are a few different places where bank details can be stored or added in the system:
Admin Side: Customer Profile Page
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On the profile page, Users will be able to begin the process of setting up the customer's bank info through the "Add Payment Information" section at the bottom of the customer's profile.
For Payment Method, select ACH. There are two options. The staff member can choose to enter in the bank information manually or they can type in the customer's email, and click the button to "Send setup email". NOTE: If you do not see a window that displays something like below where it prompts to send an email, there is an issue with the GoCardless integration.
If you choose to have the customer set up their account through the GoCardless Integration, once you have pressed the "Send setup email" button, the customer will receive an email prompting them to setup their account through GoCardless.
From here, they will be directed to fill out a secure ACH authorization form to allow the debit transaction to occur between GoCardless and the facility. This includes providing their name, email, phone and bank details. Once this has been filled out and the agreement has been signed, the customer profile page will automatically be updated with the customer's bank details.
Member App Side: Customer Profile Page
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On the Member App, we have added a couple different places for customers to add their bank details to use for recurring payments. On the Billing Tab, we have added another option to "Add Bank". Please note that this option is only available unless a prior card has been saved to the account first.
The customer will then see a Debit Authorization form to fill out.
How It Looks - Checking out
Admin Side: Checkout Screen
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Once the product, the customer will be paying for, has been added to the shopping cart and the customer has been attached to the cart, press the "Checkout" button. In the payment options, there is a new option if the customer has correctly stored their bank's details. You will see "Bank".
After clicking on "Bank" you will be able to press the "Bill to Bank" option. The invoice payment will have a Transaction ID that starts with "PM".
Member App Side: Checkout Screen
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Customers can choose to add and pay with their bank account on the Member App side as well.
ACH States of Approval
Pending
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Once a transaction is processed, the invoice will display a "pending" status.
Accepted
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Unlike CC payments, ACH payments process differently. They will take 2-3 business days to settle and add the funds to your account. There is an automatic process that happens every night checking the settlement status of every “pending” ACH transaction. If the settlement is “Accepted” then the payment status will change to “Accepted” and reflect as such on the invoice.
Rejected
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If a settlement is “Rejected”, then the payment will reflect as such, and add a reverse payment, to the invoice, indicating that the funds are still due. An email will also be sent to the facility email address set in the Company Settings section with a list of transactions that have failed.
Here is an example of an email sent to the facility email on file regarding rejected ACH transactions:
Reconciling
Daily Sales Report
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To view the status of any ACH that has been initiated, select the Payment Type "ACH" and the date range. This will display pending, accepted, rejected and voided ACH states of approval.
Voids/Reversals
Void
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In the first day after the transaction occurred before 5PM EST, you have the ability to Void the transaction straight from the invoice page. Once the transaction has been voided the invoice will be unpaid again.
Once the transaction has been batched and sent to the bank for processing, there is a window of time where the transaction cannot be reversed. On the invoice, the transaction state is still "pending". Once the transaction has been completed and the state changes to "accepted", then a reversal can be done.
Reversal
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Steps to reverse an ACH through a referenced transaction (this must be the original amount of the transaction):
If reversing an invoice, the same items that the ACH originally paid for should be reversed and added to the cart.
In the case of a booking invoice, a negative payment should be added to the "Add Payment" section of the invoice.
When clicking “Checkout” and navigating to the cart, click the ACH tab for payment type.
On this tab, there is a dropdown select box asking you to choose a previous payment on the invoice to reference. Again, the total reversal amount must match the amount of the transaction you select.
Click “Bill to ACH”.
The transaction will process the same as regular ACH transactions, and will take 2-3 business days to completely settle.
Limitations and key points with ACH reversals:
You must have the Refunds & Reversals authorization assigned to the User role.
Partial reversals are not supported. So when reversing an ACH payment, the amount being reversed must be the exact same amount as the original payment.
It is recommended that ACH reversals only be attempted for payments on 1 invoice at a time. It is currently not supported to process more than 1 ACH reversal at a time.
Want to learn more about GoCardless? Check out their vast knowledge base to soak it all in.