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Xoro has integrated the GoCardless ACH Payments to make the Payment process easier and faster.
With the Direct Debit payments service, Customers can be prompted to authorize cardless payments with the help of a mandate. After the mandate has been set, you can directly collect payments from the customer(s) on an ongoing basis without the Customer having to do anything on their end.
To set up a mandate for GoCardless ACH Payments, follow these steps:
In the “Manage Direct Debit Payment Services”, click on Connect to GOCARDLESS.
Add the Service Name and click on Connect.
Fill in the details to Sign In to GoCardless and Connect the accounts.
After connecting with GoCardless, the next step is to set up the customer in the system for GoCardless payment services. Here is a step-by-step guide on how to set up customers for Direct Debit service with GoCardless:
Go to the Customer Centre and open the Customer for whom you want to set up the Direct Debit service.
Within the Customer details, navigate to the Payments tab. Here, select Interac Debit as the Default Payment Method and click on Update to save the changes.
Next, go to Options > Send Direct Debit Setup Request. This action will trigger an email request to the customer, asking them to authorize the Direct Debit service.
You can also send the Direct Debit Setup Request to bulk Customers from the Customer Centre. To do that, select the Customers in the Customer Centre and then go to Options > Send Direct Debit Setup Request(s).
In the next phase of the process, customers will need to follow a few simple steps to set up their direct debit payment details.
The Customer will receive an email containing a link to “Start Setup”.
By clicking on the link, they will be directed to the mandate form where they can input their personal information, bank details, and contact information.
When filling out the mandate form, customers will need to input their personal details first. Click "Continue" after filling in the details.
In the next step, you need to fill in the Bank details, including the Transit number, Institution number, and Account number.
After filling in the details, click on “Set up this Pre-Authorized Debit”.
Your Direct Debit mandate is now set up.
Once the setup is complete, a new entry with a unique ID will be generated for that mandate in the “Customer Direct Deposit Centre” for the Customer.
Next, go to the Customer module and navigate to the Payments tab. Select the Bank Ref# as the Payment Direct Debit Account and enable the Auto Process Payment option to ensure automatic payment on the Due Date.
Please Note: For every Customer, the mandate needs to be set up only once.
When you choose the Auto Process Direct Debit option and make a transaction for a Customer, the payment will be debited automatically from the Customer's account.
For example, when you are making an Invoice Payment, the Auto Process Direct Debit option will be populated, along with the Payment Direct Debit Account on the top-right corner of the Customer Name.
A transaction for the Invoice Payment is created on the Go Cardless account.
The Status of the Payment can be seen in the GoCardless interface, Invoice Payment Centre, and Payment Process Logs module.
In the Invoice Payment Centre and Payment Process Log module, you can view the status of the payment and payment reference. Here, the ‘Payment Ref’ column reflects the Payment Direct Debit Account of the Customer.
The status of the Payment will automatically change as per the status in the GoCardless interface.
