Information on bank statement references

The reference format as shown on customer bank statements varies between Direct Debit schemes and will differ depending on the GoCardless package the business you’re paying is signed up to.

Sometimes, certain banks may not show the full reference provided and instead simply use “GoCardless LTD”.

The reference shown on your bank statement will also match the reference used in the notification emails we send you to inform you of upcoming payments. For more information on notifications please see here.

Customer bank statement references

This is a guide to the references shown on customer (payer) bank statements for payments collected through GoCardless.

Please note: This is a guide only. Whilst these are the references provided to banks when collecting payment from customers' bank accounts, we cannot guarantee that the same reference will appear on your bank statement in its entirety.

For Standard payer references, Merchant name refers to what the merchant has entered for this in their account. Sometimes, this may be a shortened version of their trading name.

Scheme

Scheme region (customer location)

Standard payer references

ACH

United States

GC: [Merchant name]

Reference field = [GoCardless random string]

Individual identification = [GoCardless random string] + [payment reference]

Autogiro

Sweden

G [Merchant name]-[unique reference]

Bacs

United Kingdom

GOCARDLESS-[Merchant name]-[Mandate reference]

BECS

Australia

GOCARDLESS-[Merchant name]-[Mandate reference]-[Payment reference]

BECS NZ

New Zealand

GOCARDLESS

Reference field = [Payment reference]

Particulars field = [merchant name]

Code field = [unique reference]

Betalingsservice

Denmark

(BS) GOCARDLESS-[Payment reference]

PAD

Canada

GoCardless

SEPA

Eurozone

GOCARDLESS-[Mandate reference]-[Payment reference]