💳 BACS Direct Debit Integration

Automated Client Retainer Invoicing with GoCardless Direct Debit

Stop wasting hours chasing unpaid invoices. Set up automated Direct Debit mandates and pull retainer payments straight from client bank accounts on the 1st of every month.

TrueLayer FCA Open Banking
GoCardless BACS Direct Debit
HMRC MTD-Ready VAT
£4.00 Capped
Max Processing Fee

Save £100+ on every £5,000 invoice compared to 2.5% card fees

< 1%
Payment Failures

Direct bank debit eliminates expired, lost, or maxed-out credit cards

100%
Collection Automation

Funds pulled automatically on the invoice due date

Interactive Fee & Time Savings Calculator

Calculate Your Agency's Exact Savings

See how much your UK agency saves by switching from credit cards (Stripe) to GoCardless Direct Debit & AI Bookkeeping.

£20,000
£3,000/mo£50,000/mo£100,000+/mo
8 Clients
1 Client20 Clients40+ Clients
Annual Fee Savings
£3,936

£328 saved every month

Time Reclaimed
14 Hours

Saved per month on invoice chasing

Fee Comparison
Stripe (Cards):£362/mo
GoCardless BACS:£34/mo
Fee Reduction:~91% Lower
* Transparent calculation based on official published rates: GoCardless UK BACS Direct Debit (1.0% + 20p, strictly capped at £4.00 max) vs Stripe UK/Intl card processing (1.5%–2.5% + 20p).
Zero setup fees
14-day free trial
Claim Your £3,936 Savings Today

Why UK Agencies & Consultancies Choose Finviva

Autonomous financial operations built to solve the exact bottlenecks of UK service businesses.

Huge Fee Savings vs. Stripe

Credit cards take £75–£125 on a £5,000 invoice. GoCardless Direct Debit takes 1% capped at £4.00 maximum.

Zero-Touch Monthly Retainer Pulls

Clients authorize once; every month Finviva generates the invoice and pulls the exact amount on the due date.

Automated Payout Reconciliation

When GoCardless sends a lump-sum payout to your bank, Finviva automatically reconciles all invoices and fees.

The Smartest Way to Bill B2B Clients in the UK

Designed for agencies, consultants, and service businesses charging £500 to £20,000/month.

BACS Approved

One-Time Mandate Authorization

Send clients a secure hosted link to input their Sort Code & Account Number in 30 seconds.

Auto-Reconciliation

Automated Invoice Marking

As soon as GoCardless confirms settlement, Finviva marks invoices as PAID with zero manual data entry.

Instant Cash Visibility

Predictable Monthly Cashflow

Know exactly when funds will clear and eliminate 30-day payment delays.

Frequently Asked Questions

Everything you need to know about setting up UK accounting, Open Banking, and Direct Debit retainers.

Q: Why is Direct Debit better than credit cards for agency invoices?

Credit cards expire every few years, have transaction limits, and cost 1.5% to 2.5% in processing fees. Direct Debit connects directly to the client’s bank account, never expires, and fees are capped at £4.00 max.

Q: How do my clients set up a Direct Debit?

Finviva sends them a secure GoCardless authorization link where they enter their UK bank sort code and account number once. That’s it.

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14-day free trial. Instant setup with Barclays, Monzo, Revolut & GoCardless. Cancel anytime.