Mucka + GoCardless
Paid by bank in minutes, and the monthly cover collects itself
Link your own GoCardless account and every invoice gets a Pay by bank transfer button: the customer approves it in their banking app and the money arrives in minutes, for no more than £4. The same connection collects your service plan Direct Debits every month and chases the ones that fail.
No card needed. Unlimited for 14 days. Cancel any time.
Paid in minutes
The customer picks their bank and approves it in their banking app. No card and no sort code to type.
No chargebacks
The customer pushes the money from their own bank, so it cannot be charged back, and their bank details never touch me.
Collected every month
Service plan Direct Debits go out on their own and the invoice is raised against each one.
A big job for £4, not £45
Switch Pay by Bank on and every invoice carries a Pay by bank transfer button, beside the card button or on its own. GoCardless’s standard fee is 1% and 20p, never more than £4 a payment, and I add nothing on top, so a £3,000 boiler swap costs about £4 to collect instead of £45 on a card. Turn cards off on a big job, or on anything over a figure you set, and the bank button stays on. The invoice marks itself paid and goes across to Xero, QuickBooks or FreeAgent like any other payment.
- Approved in the customer’s own banking app, in minutes
- 1% and 20p, capped at £4, with nothing added by me
- Stays on when you turn cards off on a big job
The plan page does the signing up for you
Every plan has a page of its own that you send the customer: what is covered, what it costs, your terms, and their right to cancel within fourteen days. They agree by typing their name, which is recorded with the date, and set the Direct Debit up on GoCardless’s own secure page in the same sitting. You are not chasing a signature and you never handle anybody’s bank details.
- Cover, price, terms and the 14 day cancellation right on one page
- Agreed by typing their name, recorded with the date
- The mandate set up on GoCardless’s own secure page
A bounced payment is not a cancelled customer
Most software cancels the cover the day a payment fails, or never chases it at all, and neither is right. A homeowner whose boiler packs in the week their payment bounced, who then finds out they were not covered, is a complaint that costs you a great deal more than the payment did. I keep the cover running while I chase, and the Service Plans page shows the split between people who chose to leave and people you lost to a failed payment.
- Cover keeps running while the payment is chased
- Churn split between people who left and payments that failed
- Monthly recurring income and twelve month retention on one page
Connected in a couple of minutes
- 1 Open Settings, then Money, then Getting paid, and link your own GoCardless account
- 2 Switch on Pay by Bank and your next invoice carries the button
- 3 Selling service plans? Build your tiers and send a customer their plan page to set the Direct Debit up
Works alongside
Payments Stripe
A Pay button on every invoice, and a QR code at the door. Card, Apple Pay and Google Pay.
Payments SumUp
Already take cards with SumUp? The Pay button on your invoices sends the money into your SumUp account.
Accounting Xero
Two-way sync for invoices, payments and contacts, plus one-tap import of your existing clients.
Connect GoCardless
Try everything free for 14 days. No card needed, cancel any time. Connect GoCardless on day one and the syncing starts straight away.
£29/month for a solo owner, £39 per user per month for teams of 2 or more. Subbies are free. Cancel any time.
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