Oliver POS doesn't have a partnership with GoCardless. It supports GoCardless the same way any WooCommerce store does — through GoCardless's official WooCommerce plugin, opened inside Oliver's in-POS browser view at the counter. The cashier rings the sale, Oliver opens GoCardless's hosted mandate or Instant Bank Pay page, the customer authorises the debit from their bank, and the order writes back. For subscriptions, accounts, and any business that wants to skip card fees on regular billing, GoCardless at the counter is the in-store onboarding step.
What GoCardless is, exactly
GoCardless is a bank-to-bank payment provider headquartered in the UK. It runs payments across Bacs Direct Debit (UK), SEPA Direct Debit (Eurozone), Autogiro (Sweden), Betalingsservice (Denmark), PAD (Canada), Becs (Australia and New Zealand), and ACH Debit (US). Instead of routing through the card networks, GoCardless pulls funds directly from the customer's bank account against a one-time mandate that the customer authorises at first use.
Two distinct products matter at a POS counter. The first is recurring direct debit — the customer signs a mandate once, and the merchant can debit them on a schedule (monthly, weekly, annually, ad hoc) without re-prompting. The second is Instant Bank Pay, GoCardless's open-banking-powered one-off payment, which clears in seconds and works the way customers expect a card payment to work. Both flow through the same WooCommerce plugin and both open inside Oliver's in-POS browser view from the cashier's checkout screen.
How Oliver POS opens GoCardless at the counter
The cashier scans or selects items in Oliver's register, taps Checkout, and picks GoCardless from the payment method list. Oliver opens GoCardless's hosted page inside an in-POS browser view — a focused, kiosk-style webview locked to that sale.
For a recurring sign-up (membership, subscription box, monthly plan, lease), GoCardless renders a mandate authorisation page. The customer enters their name, address, and bank details (or signs in via open banking where available), authorises the debit, and the mandate is saved. The first charge fires on the schedule defined in WooCommerce. For an Instant Bank Pay one-off (a furniture invoice, a service deposit, a large basket where the merchant wants to avoid the card fee), the customer authenticates with their bank via open banking and the funds clear immediately. Either way, Oliver writes the WooCommerce order on confirmation, the GoCardless WooCommerce POS flow completes, and the receipt prints.
The GoCardless WooCommerce plugin — what Oliver rides on
The integration is built on the official GoCardless for WooCommerce plugin, maintained by GoCardless. It installs from WordPress.org, connects to a GoCardless merchant account via OAuth, and adds GoCardless as a standard WooCommerce payment method — including support for WooCommerce Subscriptions and WooCommerce Memberships if those plugins are present.
The plugin handles mandate creation, recurring charge scheduling, retry logic on failed debits, refund flows, and webhook events back to WooCommerce. Oliver only intermediates the in-store step: when the cashier picks GoCardless at the counter, Oliver loads the already-configured GoCardless page inside the in-POS browser view, and the customer signs the mandate or authorises the Instant Bank Pay there.
Why GoCardless is a good fit (and what to know)
GoCardless is the right tool whenever the relationship is recurring or the ticket is large enough that card fees matter. Memberships (gyms, clubs, co-working), subscriptions (coffee, beauty, supplements, magazines), staged invoices (custom furniture, bespoke joinery, contract work), school and class fees, and tradesperson invoicing — these are the GoCardless-shaped problems. Per-transaction costs sit well below standard card fees, often a low fixed fee plus a small percentage capped at a few pounds or euros, which is meaningful on a £200 monthly subscription or a £3,000 invoice.
What to know: bank debits are slower than cards. A standard Bacs or SEPA debit takes a few business days to clear; the merchant takes settlement risk for that window unless they're using Instant Bank Pay (which clears in seconds via open banking and is the closest GoCardless gets to a card-equivalent experience). GoCardless is also strongest in markets where direct debit is a culturally normal payment method — the UK, Germany, France, the Nordics, Australia. In markets where consumers don't expect to give bank details (most of the US, for example), card and wallet options usually convert better.
What this is NOT
Oliver doesn't partner with GoCardless. No co-marketing, no rev-share, no special rate, no preferred-merchant status. Oliver doesn't charge a markup on GoCardless transactions — the merchant pays GoCardless's published rate on the GoCardless agreement, and Oliver takes nothing on top. GoCardless is the bank-debit processor; the WooCommerce store remains the merchant of record on the goods. Oliver is the Point of Sale software that opens GoCardless's hosted page at the counter, and that is the full extent of the integration.
Setup in 4 steps
- Sign up with GoCardless in your country and complete the underwriting and bank verification.
- Install GoCardless for WooCommerce and connect to your GoCardless account via OAuth. Enable Instant Bank Pay if you want the one-off open-banking flow alongside mandates.
- Add GoCardless as a payment method inside Oliver's POS settings so it appears on the register checkout screen.
- Run a test sale in GoCardless's sandbox, confirm the in-POS browser view loads GoCardless's mandate or Instant Bank Pay page, then switch to live mode and run a small live transaction to verify the order writes back to WooCommerce correctly.
FAQ
Does Oliver POS partner with GoCardless?
No. The GoCardless WooCommerce POS integration runs through GoCardless's official WooCommerce plugin, which Oliver opens in an in-POS browser view at the counter. There is no contractual or commercial relationship between Oliver and GoCardless.
Does Oliver charge a markup on GoCardless?
No. The merchant pays GoCardless's published rate directly under the GoCardless merchant agreement, and Oliver adds nothing on top.
How fast does the money arrive?
Standard Bacs and SEPA direct debits take a few business days. Instant Bank Pay — GoCardless's open-banking one-off — clears in seconds and is the right choice when a customer expects card-like speed at the counter.
Does GoCardless work for subscriptions?
Yes. The plugin integrates with WooCommerce Subscriptions and WooCommerce Memberships, so a mandate signed in-store at the counter can power monthly billing afterwards without further customer involvement.
Oliver POS works with whichever WooCommerce-compatible gateway your store already runs. Browse the gateway list on /payments/, see the full integrations page, read the product details, compare plans on /pricing/, and try Oliver POS free for 30 days at /demo/.