At Buckhill, we are excited to announce our partnership with GoCardless, a global leader in Direct Debit and Open Banking payment solutions. This collaboration integrates GoCardless into our C2MS platform via a custom-built middleware service; enabling high-performance, automated payments that serve the evolving needs of the insurance industry. 

We are proud to be taking steps towards building the infrastructure for industry-leading digital payments that are faster, smarter, and future-ready. 

As a Customer: Simplified Payments, Smarter Insurance 

Our integration with GoCardless transforms how payments are handled within the C2MS platform, making the experience seamless for Insurers, MGAs, Brokers and Policyholders.  
Here’s what it means for you: 

• Faster Onboarding & Checkout 
  Users can make initial payments instantly using Open Banking, then be auto-enrolled into Direct Debit plans for renewals or instalments 

• Fully Integrated Journey 
  From quote to payment, everything is handled inside C2MS or your connected portals - no third-party complexity or manual reconciliation 

• More Control, Less Friction 
  Payment statuses are updated in real-time via webhooks, and every event is logged to ensure transparency, auditability, and peace of mind 

• Better Experiences, Higher Retention 
  When payments “just work,” customer satisfaction goes up, along with your retention and collection success rates 

• Opportunity for Semi or Fully Automated Reconciliation 
  Reduce operational overhead by automatically matching payments to policies and quotes within C2MS. Whether fully hands-off or with light-touch review, this functionality helps finance teams save time, minimise errors, and improve cash flow visibility 

As a Partner: Co-Marketing, Revenue Growth & Shared Innovation 

This partnership evolves beyond technical integration. We’re building a true co-commercial relationship with GoCardless to drive mutual growth: 

• New Revenue Streams 
  Buckhill benefits from a revenue-sharing model, adding the possibility of recurring income tied to real customer usage, enabling us to support our GoCardless integration, meaning less expenses passed on to our customers 

• Accelerated Roadmap 
  Co-funding from GoCardless has allowed us to ship our middleware faster, with more robustness and long-term flexibility 

• Go-To-Market Alignment 
  We’re working together on website updates, joint marketing, and listing enhancements to reach a wider, well-aligned customer base 

• Recognition as an Integration Partner 
  Buckhill now appears on the official GoCardless partner directory, reinforcing our position as a key player in insurance software 

Under the Hood: The C2MS GoCardless Middleware (C2MS-GCM) 

Built using PHP 8.3, Laravel, and Filament, our middleware service is engineered for speed, maintainability, and scale. It acts as a dedicated microservice between C2MS, customer portals, and GoCardless. 

Highlights: 

• Effortless API interaction via the official GoCardless SDK 

• Asynchronous processing through Laravel events & observers 

• 100+ webhook events handled, ensuring data is always up-to-date 

Sample SDK Usage: 

php 

# SDK call to create a new Billing Request 
$this->client->billingRequests()->create(["params" => []]); 
 

Purchase Flow: Streamlined and Intelligent 

A common and critical use case - the purchase flow - now works like this: 

1. User triggers a payment via the Portal or API 

2. C2MS-GCM validates & logs the transaction, linking it to the quote 

3. Payment link is generated, allowing the user to pay instantly via Open Banking 

4. Automatic Direct Debit enrollment is triggered based on configuration 

5. Webhook-based updates keep the system in sync asynchronously

Example API Response: 

json 

{ 
  "success": true, 
  "message": "DirectDebitInitiateTransactionResource: All stages have been processed.", 
  "data": { 
    "authorisation_url": "https://pay-sandbox.gocardless.com/billing/static/flow?id=BRF0004T2EFN2TFJXTCESYAVDQQ6QAEX" 
  }, 
  "pipeline_bag": [ 
    "StoreQuoteTransaction: C2MS Quote has been stored successfully", 
    "StoreDDRTransaction: C2MS DDR transact has been stored successfully", 
    ... 
    "ProcessBillingRequest: All stages have been processed." 
  ] 
} 

Visual Journey 

Our C2MS-GCM API Documentation and integration screenshots walk through each step of the journey: 

• Payment Setup Screen: Initiating the Direct Debit process. 

• Confirmation Screen: Review and approve payment details. 

• Bank Authorisation Screen: Users verify payment via Open Banking. 

• Payment Authorisation Screen: The final step before processing. 

• Successful Payment Screen: Confirmation of a completed transaction. 

The Road Ahead 

This partnership is just the beginning of a deeper collaboration between Buckhill and GoCardless. As we continue to innovate, our goal is to provide the most seamless, efficient, and future-ready insurance solutions available. We look forward to the exciting opportunities this partnership will bring and remain committed to delivering exceptional value to our clients. 

Stay tuned for more updates as we roll out new partnerships, integrations and joint initiatives in the coming months! 



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GoCardless is a global bank payment company. Nearly 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking.

GoCardless processes US$130bn+ of payments annually across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use data and insights to improve payment success, reduce fraud and, with open banking connectivity to over 2,500 banks, help our customers make faster, more informed decisions.

We are headquartered in the UK, with additional offices in Australia, France, Ireland, Latvia and the United States. For more information, please visit www.gocardless.com and follow us on LinkedIn @GoCardless.

© 2024 GoCardless Ltd. All Rights Reserved. GoCardless is a registered trademark of GoCardless Ltd in multiple countries. Third party trademarks mentioned above are owned by their respective companies. Unless explicitly identified as such, nothing in this press release should be construed to the contrary, or as an approval, endorsement or sponsorship by any third parties of GoCardless Ltd. or any aspect of this press release.