CartModules: GoCardless

Accept direct debit and bank payments across the UK, Europe, Nordics, Australia, New Zealand, Canada and the US.

Overview

GoCardless is a global leader in direct debit and bank payment processing, trusted by over 85,000 businesses worldwide. This addon integrates GoCardless with your CS-Cart or Multi-Vendor store using the modern Billing Request Flow, giving your customers a seamless, secure way to pay directly from their bank account.

Direct debit payments typically have lower fees than card payments and higher success rates for recurring transactions. With GoCardless, you can accept payments in 8 currencies across 30+ countries.

Key Features

Billing Request Flow

Uses GoCardless's modern redirect-based payment flow. Customers authorize payments on a secure, hosted page and return to your store.

8 Currencies Supported

Accept payments in GBP, EUR, SEK, DKK, AUD, NZD, CAD and USD. Automatically sends the correct currency to GoCardless.

Real-Time Webhooks

Automatic order status updates via GoCardless webhooks with HMAC-SHA256 signature verification for security.

Sandbox & Live Modes

Switch between test and production environments with a single dropdown. Test your integration risk-free before going live.

Secure by Design

PCI SAQ A compliant (no card data handled). SSL verification on all API calls. Sensitive data masked in logs.

Idempotent Callbacks

Duplicate webhook events and customer return actions are handled gracefully. No double-processing of orders.

Supported Regions & Payment Schemes

How It Works

1. Customer selects GoCardless at checkout
   Your customer chooses GoCardless as their payment method and places the order.
2. Redirect to GoCardless
   The addon creates a billing request and redirects the customer to GoCardless's secure hosted payment page.
3. Customer authorizes payment
   The customer selects their bank, enters their details, and authorizes the direct debit mandate and payment.
4. Return to your store
   After authorization, the customer is redirected back to your store. The addon confirms the billing request and updates the order status.
5. Asynchronous status updates
   GoCardless sends webhook notifications as the payment progresses (submitted, confirmed, paid out). Order status is updated automatically.

Configuration

Setup takes just a few minutes:

• Enter your GoCardless Access Token
• Enter your Webhook Secret
• Select Test or Live mode
• Copy the webhook URL into your GoCardless dashboard
• Optionally configure order status mapping

The addon displays your webhook URL directly in the settings panel for easy copy-paste into the GoCardless dashboard.

Order Status Mapping

Requirements

• CS-Cart or Multi-Vendor 4.x
• PHP 7.1 or higher
• GoCardless account (sandbox or live)
• SSL certificate on your store domain

Compatibility

Ready to accept direct debit payments?

Install CartModules: GoCardless and start accepting bank payments from customers across the UK, Europe and beyond.