GoCardless and QuickBooks Online Integration

The Client

GoCardless is a global fintech leader in direct debit and open banking payment solutions, enabling businesses to collect recurring and one-time payments directly from customer bank accounts in over 30 countries.

To expand within the QuickBooks ecosystem, GoCardless partnered with Satva Solutions to develop a multi-tenant middleware integration app connecting QuickBooks Online (QBO) and GoCardless.

The app was designed for launch on the QuickBooks App Store, initially targeting merchants in Australia, the USA, and France, with global expansion to follow.

The Challenges

Before the integration, QuickBooks users managing payments through GoCardless faced recurring inefficiencies:

• Manual reconciliation of invoices, payments, and refunds
• Separate management of mandates and customer data
• No real-time synchronization between GoCardless and QuickBooks

GoCardless needed a secure, automated integration that could:

• Sync invoices, payments, and refunds in real time
• Handle multi-currency and multi-region payment schemes (BECS, SEPA, BACS)
• Support OAuth-based onboarding and multi-tenant architecture for scalability

The Solution

Satva Solutions designed and developed a QuickBooks Online GoCardless Integration App, built for automation, compliance, and performance.

Key Highlights

1. Merchant Onboarding

   • Secure OAuth 2.0 and Intuit SSO-based authentication
   • Auto-login experience through the QuickBooks App Store
   • Multi-user support with secure token management

2. Payments & Mandates

   • Create Direct Debit and Instant Bank Payment (IBP) mandates directly within QuickBooks
   • Real-time updates for mandates: Active, Pending, Failed, or Cancelled
   • Automated email notifications and prefilled payment links

3. Automation & Reconciliation

   • Auto-sync of QuickBooks invoices with GoCardless payments
   • Automated posting of payouts, fees, and FX adjustments
   • Configurable clearing and fee accounts with drill-down reporting

4. Refunds & Error Handling

   • Full and partial refund support
   • Intelligent retry and validation logic to prevent duplicates

5. Security & Compliance

   • TLS 1.2+ encryption, idempotency keys, and GDPR-aligned data handling
   • OWASP Top-10 threat mitigation with audit logging

Results and Impacts

• 100% automation in invoice-to-payment and reconciliation workflows.
• 60% reduction in manual accounting time for merchants.
• Real-time visibility into mandates, payments, and refunds within QuickBooks.
• Multi-region readiness for BECS, SEPA, and BACS payment schemes.
• Officially positioned GoCardless as a certified QuickBooks App Store Partner.

Conclusion

The GoCardless QuickBooks Online Integration revolutionized payment and reconciliation automation for businesses worldwide.

By connecting two of the world’s most trusted financial platforms, Satva Solutions helped GoCardless deliver a secure, compliant, and intelligent app that enables merchants to collect payments automatically, reconcile instantly, and stay globally compliant all within QuickBooks Online.