GoCardless ACH Pull
Business Profile
Core Value Proposition
GoCardless ACH Pull provides automated ACH bank pull payments from customers, delivering faster cash collection, lower costs, and enhanced security.
Target Customer
Businesses of all sizes (small to enterprise) globally needing to automate invoice, subscription, and bill payments and reconcile them with their accounting software.
Key Differentiator
Bank-to-bank ACH pull payments with automated retries, international payouts (30+ countries) and real-market FX, 30+ country localization, ISO27001 security, 350+ partner integrations, and proven cost/time advantages over card-based payments.
Implementation Timeline
Sign up in minutes; implementation via API or pre-built pages; value realized as payments settle (2–4 days depending on plan and needs).
Pain Points
- 1High card processing costs and card-related fees
- 2Manual, error-prone payment collection and reconciliation
- 3Payment administration overhead and slow time-to-cash
- 4Payment failures and lack of effective retry mechanisms
Key Features
- 1ACH Pull for automated bank debit payments
- 2Recurring payments and invoice payments
- 3API integration and pre-built payment pages
- 4Localised checkout in 30+ countries with FX (supported by Wise)
- 5Dashboard for managing payments and reconciliation
- 6Connects with 200+ software integrations (including Salesforce, Xero, Chargebee)
- 7Automated payment retries and success/predictive payment intelligence (Success+)
- 8ISO27001-certified security and GDPR compliance
Target Customer Industries
Decision Makers
- 1Chief Operating Officer
- 2Managing Director
- 3Director of FinTech Ops
- 4Co-Founder and CEO
- 5Director of Business Systems
Client Results
- 1Up to 97.3% of payments successful on the first attempt
- 24 days (or as little as 2 days with Faster ACH) to get funds into the account
- 3Up to 59% reduction in payment admin
- 4Up to 56% lower average cost per transaction
- 5Recovered ~70% of failed payments through intelligent retries
- 6Cash flow improvements as soon as payments hit the bank
Competitive Advantages
- 1Lower costs compared with card-based payments (56% lower per-transaction costs)
- 2Faster settlement (as fast as 2 days for Faster ACH, 4 days standard)
- 3High automated reliability with retry logic and payment intelligence
- 4Extensive integrations and global reach (30+ countries, 8 currencies via FX)
- 5Strong security posture (ISO27001, GDPR-compliant)
Key Benefits
Case Studies & Success Stories
Capital on Tap – Reducing costs
By collecting payments via direct debit and pull ACH versus cards, Capital on Tap estimated savings of $10–$20 million in payments costs.
Deputy – Cash flow improvements
GoCardless helps improve cash flow by delivering payments to the bank sooner, enabling reinvestment in growth.
PremierePC – Reducing fees
Moving to GoCardless reduced payment fees by over 85%.
Excedr – Admin reduction
GoCardless reduces payment admin by 59%, enabling a smaller AR team to do the work of a larger one.
Diaper Stork – Low-cost payments
Using ACH debit reduces costs and keeps more money in the local economy.
Additional Product Information
Product Description
A payments solution that automatically pulls ACH payments from customers’ bank accounts, supports recurring and invoice payments, offers international payouts with FX, and integrates with popular accounting and billing software to automate reconciliation.
Target Market
Businesses of all sizes worldwide seeking automated, bank-to-bank payments for invoices, subscriptions, and bill payments.
Unique Value Proposition
GoCardless ACH Pull offers low-cost, fast, and secure bank debit payments with automated admin and reconciliation, plus broad global reach and extensive software integrations, enabled by a robust retry system and reliable security standards.
Technical Requirements
RESTful API integration, pre-built payment pages, localised checkout for 30+ countries, support for multiple languages/code examples, supported by Wise for FX, ISO27001 security, GDPR compliance, and compatibility with popular ERP/CRM/billing systems.
Pricing Model
Pay-as-you-go pricing available; enterprise pricing discussed with sales. Sign-up and usage without obligation mentioned on pages.
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