--- title: "Direct Debit for Invoices: ACH, Bacs, SEPA, BECS and PAD | Paidnice" description: "Collect invoices by direct debit in six schemes through Stripe: ACH, Bacs, SEPA, BECS, NZ bank debit and Canadian PAD. No Paidnice fee, on every plan." url: https://www.paidnice.com/direct-debit --- ★★★★★160+This app is a game changer!Lesley B. # Direct debit for invoices, in every customer’s own bank scheme Let customers pay from their bank account through Stripe, in six schemes, **with no Paidnice fee on any plan.** Try it FreeBook a Demo 2025WINNER2026WINNERXero App of the Year2025 Global · 2026 NZ Read all 160+ reviews ## Trusted with over $1,200,000,000 collected on time across 1,070,000 invoices since 2022. and counting ## Get paid by bank debit, wherever your customers bank Paidnice puts bank debit on the portal and in every reminder, then follows each debit until the money is in your ledger. ### Offer the scheme your customer knows Customers see the bank debit for their country and currency, by the name their bank uses. ### Pay one invoice or the whole balance From the portal, a customer ticks the invoices to pay, or pays everything due, in one bank debit. ### See every debit, including the ones that fail The Payments page lists every attempt: pending, failed, waiting on the customer, or paid but not yet in your ledger. ### A failed debit goes back into your chasing The invoice stays open in Xero or QuickBooks, so your reminders, late fees and escalations carry on. ### No Paidnice fee, on every plan Paidnice adds nothing to a bank debit. Pass on a processing fee if you choose, set apart from the card fee. ### Each payment lands in your ledger Paidnice records the payment against the invoice in Xero or QuickBooks, with the Stripe fee and any surcharge. ## Direct debit schemes in Paidnice All six run through Stripe. Turn on the ones your customers use. | Scheme | Where | Currency | Also called | | --- | --- | --- | --- | | ACH Direct Debit | United States | USD | ACH debit, bank transfer pull | | Bacs Direct Debit | United Kingdom | GBP | Direct Debit | | SEPA Direct Debit | Euro area | EUR | SEPA Core | | BECS Direct Debit | Australia | AUD | Direct debit | | NZ bank debit | New Zealand | NZD | BECS NZ, direct debit | | Pre-authorized debit | Canada | CAD | PAD, ACSS debit | Stripe sets the processing fees and clearing times for each scheme. > It’s the debt collection system I’ve been looking for, for the last 15 years. Tyler Caskey Partner, The Bean Counters Said on the Accounting Apps Podcast 2025WINNER2026WINNER Xero App of the Year2025 Global · 2026 NZ 2026FINALIST Innovation App of the YearGlobal finalist 2026 ## Everything you expect from great accounts receivable software Paidnice has everything your business needs to run a best-in-class receivables process, from the first reminder to the money landing in your account. ### Chase automatically Send Reminders Automate email and SMS with powerful reminders, from your own domain. Automate Statements Schedule automatic statement sends each month. AI Reply Handling Paidnice reads every reply and drafts the next step for your approval. ### Enforce your terms Late Fees & Interest Automatically apply and send late fees and interest. Prompt Payment Discounts Encourage early payment with automated discounts. Escalate, Make & Track Calls Escalate and assign overdue invoices for manual follow up. Shared Inbox & Team Activity Every email and SMS reply in one inbox, and what each person got done. ### Get paid, and see it coming Customer Payment Portal Self-service hub for your customers' payment and billing needs. Create Payment Plans Flexible payment terms with automatic installment reminders. Direct Debit ACH, Bacs, SEPA, BECS, NZ and Canadian bank debit through Stripe. AR Insights & Reports Measure Days Sales Outstanding and other critical KPIs. [See all features →](https://www.paidnice.com/features) Bookkeeping & AccountingNew Zealand ## Outstanding invoices down from $60,000 to $24,000 > “For the cost of the subscription versus money in your bank, it’s definitely a no-brainer.” Haley ReynersFounder, My Two Cents Read My Two Cents’s story → Outstanding invoicesBefore$60,000 owedNow$24,000Payment delaysBefore45+ daysNowUnder 25 daysThe processBeforeManual follow-upNow90% automated ## Works with the software you already run Paidnice connects to your ledger, payment providers, CRM and team chat, **so every invoice is chased, paid and recorded without manual data entry.** See all integrations → NewConnect to Claude or ChatGPT via MCP Claude ChatGPT ## Direct debit questions Which direct debit schemes does Paidnice support? Six, all through Stripe: ACH Direct Debit in the United States, Bacs Direct Debit in the United Kingdom, SEPA Direct Debit in the euro area, BECS Direct Debit in Australia, bank debit in New Zealand and pre-authorized debit (PAD) in Canada. Does Paidnice charge a fee for direct debit? No. Paidnice adds no fee to a direct debit payment, on any plan. Stripe charges its own processing fee, and you can pass a processing fee on to the customer, set separately for direct debit and for card. Which plans include direct debit? Every plan, including Essentials. [See pricing](https://www.paidnice.com/pricing). Do I need a Stripe account? Yes. Connect Stripe to Paidnice and turn on the bank debit methods you want in Stripe. [See the Stripe integration](https://www.paidnice.com/integrations/stripe). What happens when a direct debit fails? The Payments page shows the failed debit and the reason. The invoice stays open in Xero or QuickBooks, so your reminders and escalations carry on as for any unpaid invoice. Why does a direct debit show as pending? Bank debits take a few working days to clear. Paidnice shows the debit as pending until Stripe confirms it, then records the payment in your ledger. Does the payment go into Xero or QuickBooks? Yes. Paidnice records each collected payment against the invoice in Xero or QuickBooks Online, and writes the Stripe fees and any surcharge to the ledger too. Can customers pay several invoices by direct debit at once? Yes. On the [customer portal](https://www.paidnice.com/customer-payment-portal) a customer can tick several invoices or pay the whole balance in one bank debit. Can a payment plan be collected by direct debit? Yes. Customers save their bank details once with Stripe Autopay, and each installment is collected on its date. Payment plans are on Pro and above. [See payment plans](https://www.paidnice.com/create-payment-plans). ## Meet the team that built Paidnice Book a call with the founders to learn more about how Paidnice can help you take the pain away from getting paid. Book a CallChat with us Great hands on experience. Ashley helped us through everything.Janet X.App Marketplace160+I’ve contacted support a few times, and Denym has always replied with really detailed and thoughtful explanations, even taking the time to jump on a video call to help.Jon M.App Marketplace160+So happy with the service provided by Ashley at Paidnice. The best service I have had from anyone in years.Anna H.App Marketplace160+Very simple to set up and the few questions we had were quickly and expertly dealt with by Denym. It has already made a huge difference to our debtor days and has massively helped.Jenny M.App Marketplace160+ ## Related features Customer payment portalCustomers see every open invoice and pay in one place.Payment plansSplit an invoice into installments and collect each one.Email and SMS remindersAutomated reminders by email and SMS, each with a link to pay. ## Get paid straight from your customer’s bank Connect Xero or QuickBooks and Stripe, turn on bank debit, and Paidnice adds it to every reminder. Try it FreeBook a Demo [Rated 5 stars, 160+ reviews](https://www.paidnice.com/reviews) · [App of the Year](https://www.paidnice.com/blog/winner-xero-global-app-awards-2026)