Guides
Bank Payments
Overview Setting up mandates
Direct Debit Mandates Verified Mandates PayTo Agreements and Payments Build a client to create mandates offline Supporting mandates set up outside of your product Importing Mandates Blocking mandatesRecurring payments
Taking Subscription payments Taking Instalment payments Variable Recurring PaymentsCombining one-off and recurring payments
Take a first Instant Payment with mandate
 set upSend money
Introduction to Outbound Payments Payment Account API request signing Send an outbound payment
Adding a new recipient Initiate an outbound payment Approve an outbound payment Cancel an outbound paymentOptimise and increase revenue
Prevent fraud with Protect+ Retain customers with fallbacks Reduced failed payments with Success+ Tutorials
Taking Direct Debit payments using Billing Requests and Custom Payment Pages Handling tax Handling Customer Notifications GoCardless Embed
Introduction Creating a creditor Adding a creditor bank account OptionalSetting a scheme identifer OptionalSetting up mandates / collecting payments
Billing Request with Actions: Setting up a Direct Debit mandate Collecting a Direct Debit payment Billing Request with Actions: Taking an Instant Bank Payment Billing Request with Actions Dual Flow: Taking an Instant Bank Payment and setting up a Direct Debit mandateCollecting a Direct Debit payment
After calling the Billing Request with Actions we will now use the mandate ID (MD123) from the API response in order to create a Debit Debit payment.
For this reason we'll now call the Payments API.
1POST https://api.gocardless.com/payments HTTP/1.1
2Content-Type: application/json
3{
4 "payments": {
5 "amount": 123,
6 "currency": "GBP",
7 "reference": "Wine Box",
8 "charge_date": "2026-12-31",
9 "links": {
10 "mandate": "MD123"
11 },
12 "metadata": {
13 "internal_order_number": "ID123"
14 },
15 }
16}
17
18HTTP/1.1 201 Created
19Location: /payments/PM123
20Content-Type: application/json
21{
22 "payments": {
23 "id": "PM123",
24 "scheme": "bacs"
25 ...
26 "charge_date": "2026-12-31",
27 "amount": 123,
28 ...
29 "status": "pending_submission",
30 ...
31 "links": {
32 "mandate": "MD123",
33 "creditor": "CR123"
34 },
35 ...
36 }
37}Note that the amount needs to be provided in the lowest denomination for the currency (e.g. pence in GBP, cents in EUR).
You can decide to either provide a charge_date (needs to be later than the next_possible_charge_date, as described here), or let GoCardless create the payment as soon as possible.
You would then be able to see the date that the payment will be taken by looking at the charge_date in the response.