GoCardless launches US debit payments solution

I recently did a very small integration with GoCardless: just a one-page registration form that then redirected out to them to capture direct debit details.<p>I was very pleasantly surprised that I, as an individual developer, was able to access all their documentation and sign up for a Sandbox API key very quickly and painlessly. I didn’t have to tie to the the real company account in any way (which I was still waiting on details for at the time).<p>It’s disappointing how rare it can be to not have to jump through any hoops.

Been using GoCardless for a couple years now they have been great.<p>The API is simple enough and does exactly what one would expect, Stripe used to be like this but right now is a complete clusterf&quot;#%k, they have so many &quot;products&quot; that they&#x27;ve become the quintessential example of feature creep.<p>I have the idea that the US is the Mecca of credit cards, how widespread is the usage of Direct Debit in the US?

Hey folks, here is our blog post with the launch announcement which contains some more details about ACH uptake in the US and its benefits: <a href="https:&#x2F;&#x2F;gocardless.com&#x2F;blog&#x2F;introducing-us-payments-with-gocardless&#x2F;" rel="nofollow">https:&#x2F;&#x2F;gocardless.com&#x2F;blog&#x2F;introducing-us-payments-with-goc...</a>

Is there UPI[1] equivalent in the USA? You can basically transfer from any bank to any bank account without Netanking or even internet<p>[1] <a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Unified_Payments_Interface" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Unified_Payments_Interface</a>

Isn’t ACH slow though? I have personally used ACH to transfer between personal bank accounts and it usually takes 2-3 days for each transaction to complete.<p>Also a 1% transaction fee for something that takes 2-3 days to process seems very high. Companies already have a business checking account, why can’t I use that account to process the ACH transactions?<p>If US banks got their head out of their ass they could leverage their existing ACH infrastructure and include it as a low cost way to process transactions (static fee of a few cents).