Bank statement charge
What is GOCARDLESS LTD on my bank statement?
Who charged you
A business that collects Direct Debits through GoCardless
GOCARDLESS LTD means you paid a business or organisation that collects its Direct Debits through GoCardless, a UK payment company. The payment is usually a membership, class, club, school or subscription fee, and the business's name is often in the reference.
How it can show on a statement
GOCARDLESS LTDGOCARDLESS LTD [BUSINESS NAME]-[MANDATE REFERENCE]GOCARDLESS-[BUSINESS NAME]-[MANDATE REFERENCE]GOCARDLESS LTD, FIRST PAYMENT
3 more ways it shows
GOCARDLESS LTD, INITIAL PAYMENTGC re [BUSINESS NAME]-[MANDATE REFERENCE]-[PAYMENT REFERENCE]GC: [BUSINESS NAME]
Find out what it was
- 1
Open the payment in your banking app and read the full reference: it usually holds the start of the business name and, after a dash, your mandate reference.
- 2
Search your inbox and spam folder for GoCardless emails: one arrives when a Direct Debit or a regular payment plan is set up, naming the business, the amount and how often it is taken, and one-off payments get a notice a few days before.
- 3
Open the Direct Debit list in your banking app, find the GoCardless mandate and note the date it was set up, then match it to anything you joined or ordered online around then.
- 4
Compare the amount and date with memberships, classes and subscriptions in your household, including any paid from a joint account.
- 5
Still a charge you did not agree to? File your complaint here. We write it with you and send it to the business, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “GOCARDLESS LTD”?
GoCardless collects the money under its own name, so your bank shows GOCARDLESS LTD instead of the business you pay. The reference after it holds the business name, often cut short and without spaces, and your mandate reference, joined by dashes.
Some banking apps hide the reference and show only GoCardless Ltd, and businesses on GoCardless's larger plans can show their own name instead, so the same Direct Debit can look different from bank to bank.
Why you might see this charge
- A monthly membership or class fee, such as a gym, sports club, swimming or dance school.
- A subscription or service you signed up to online, for example business software, a local service such as waste collection or cleaning, or a membership body.
- The first payment of a new Direct Debit; banks often add FIRST PAYMENT or INITIAL PAYMENT to the line.
- A one-off amount taken under an existing Direct Debit, such as an annual fee, an extra session or a balance due.
- A Direct Debit someone else in the household set up on a shared or joint account.
Is GOCARDLESS LTD legit?
Real: GoCardless Ltd is an authorised UK payment company, and a GOCARDLESS LTD line means a business used it to collect a Direct Debit from your account. The business you pay is named in the reference, not GoCardless.
Be wary of any message that asks you to re-enter bank details through a link to stop a GoCardless payment. Check the Direct Debit in your own banking app instead.
Other charges people look up
| On your statement | Who charged you | What it usually is |
|---|---|---|
| WINRED* | WinRed | WINRED* is WinRed, the online donation platform that processes contributions for Republican campaigns and organizations. |
| ZETTLE | Zettle | ZETTLE means you paid a small business that takes cards with Zettle, PayPal's card reader and till app, now called… |
| PAYPAL * | PayPal | PAYPAL * means you paid a business through PayPal, or a business took your card payment through PayPal. |
| TST* | Toast | TST* means you paid a restaurant, bar or cafe that uses Toast, a checkout and payment system built for restaurants. |
| SUMUP | SumUp | SUMUP means you paid a small business that takes cards with a SumUp card reader or payment link. |
| BLUESNAP | BlueSnap | BLUESNAP or BLS* on a statement means an online business took your payment through BlueSnap, a payment company that is… |
| ANE* | Anedot | ANE* means Anedot, a donation platform and payment processor that churches, nonprofits, schools and political… |
| VTSUP.COM | Verotel | VTSUP.COM is the statement name of Verotel, an Amsterdam payment company that bills for thousands of websites, many of… |
Questions about GOCARDLESS LTD
What is a GoCardless Direct Debit?
It is a Direct Debit that a business or organisation collects through GoCardless, a UK payment company. It is set up when someone signs up to a membership or service, and the business's name is usually in the reference.
How do I find out who a GoCardless payment is to?
Read the full reference in your banking app: it usually starts with the business name. Your inbox should also hold a GoCardless email from when the Direct Debit was set up, naming the business.
Is GoCardless safe?
Yes, GoCardless is an authorised UK payment company that many gyms, clubs and service providers use. The money goes to the business that set up the Direct Debit.
What can I do about a GoCardless payment I did not agree to?
File a complaint on Complain.biz. We write it with you and send it to the business, so you do not have to chase it yourself.
Based on
- GoCardless Support: Why is GoCardless on my bank statement?
- GoCardless Payer Support: Frequently asked questions
- GoCardless Hub: Customer bank statement references
- GoCardless: Payment lookup (Seen GoCardless on your bank statement?)
- GoCardless blog: What do customers see when they use GoCardless?
- Emma: How GoCardless appears on your bank statement