Debit Success vs GoCardless Bank Account Data

Debit Success provides recurring payment services for businesses and software providers. It collects authorized payments from customers’ credit cards or bank accounts, with schedules available weekly, fortnightly, every four weeks, monthly, quarterly or ad hoc. When a payment reverses, a three-phase follow-up can involve SMS, phone, email and letters, and payment catch-up arrangements are available. Clients can receive automated daily and weekly reports or use an online portal. Reporting covers reversal rates by day, payment type and frequency, as well as sales trends by day, week and month. The billing system integrates with Xplor Clubware, PerfectMind and Xplor Education. Its web service can connect to an application, software or website and supports one-off and recurring schedules, customer detail updates, payment suspension, real-time payments, and retrieval of account status, call notes and transaction history. Business owners can use a self-service portal to run reports, manage members and update payment and contact details. Debit Success states that it is Level I PCI DSS compliant, independently certified and externally audited. Pricing is available on request.

GoCardless Bank Account Data is an API for businesses that need account details and transaction data from connected bank accounts. It connects through bank PSD2 APIs and can return account holder names, account identifiers, IBANs, transaction dates, counterparties, descriptions and amounts, plus current and available balances. It can retrieve up to 24 months of transaction history, with continuous access lasting up to 90 days. Data refreshes on demand, and responses use JSON. To connect, an end user chooses a supported financial institution, accepts a GoCardless-hosted consent screen and authenticates through the institution. API requests use an authorization token created with a Bank Account Data portal user secret. GoCardless provides a quickstart guide and instructions for importing the API schema into Postman. Availability is limited to EEA countries subject to PSD2 where GoCardless operates as an authorized AISP. Banks may restrict requests to as few as four calls per account per day. Account verification is available only to paying customers; new accounts are unverified by default. The service is paid, with pricing on request, and is available via API and web.