GoCardless Programming Tutorial: Integrating with GoCardless for Automated Payments186

GoCardless is a leading global provider of Automated Payment Solutions, making it easy for businesses to collect recurring payments from customers. This tutorial will guide you through the process of integrating with GoCardless's API to automate your payment processes.

Step 1: Create a GoCardless Account

Before you can start using GoCardless, you need to create an account. You can do this by visiting the GoCardless website and clicking on the "Get Started" button. Once you have created an account, you will need to provide some basic information about your business, including your business name, address, and contact information.

Step 2: Generate API Credentials

Once you have created a GoCardless account, you will need to generate API credentials. These credentials will allow you to access GoCardless's API and automate your payment processes. To generate API credentials, log in to your GoCardless account and click on the "Developers" tab. Then, click on the "Generate API Credentials" button.

Step 3: Install the GoCardless Gem

The GoCardless gem is a Ruby library that makes it easy to integrate with GoCardless's API. To install the GoCardless gem, open your terminal window and type the following command:```
gem install gocardless
```

Step 4: Configure the GoCardless Client

Once you have installed the GoCardless gem, you need to configure the GoCardless client. To do this, create a new Ruby file and add the following code:```ruby
require "gocardless"
client = GoCardless::(
access_token: "YOUR_ACCESS_TOKEN"
)
```
Be sure to replace "YOUR_ACCESS_TOKEN" with the access token that you generated in Step 2.

Step 5: Create a New Mandate

A mandate is a legally binding agreement between you and your customer that authorizes you to collect payments from their bank account. To create a new mandate, you can use the following code:```ruby
mandate = client.create_mandate(
params: {
name: "John Doe",
email: "@",
interval: "monthly",
amount: 1000,
currency: "GBP",
redirect_uri: "/mandate_confirmation"
}
)
```
The `params` hash can include additional information about the mandate, such as the customer's address and phone number.

Step 6: Confirm the Mandate

Once you have created a mandate, you need to confirm it with the customer. To do this, you can redirect the customer to the mandate confirmation page. The customer will need to provide their bank account details and sign the mandate.

Step 7: Collect Payments

Once the mandate has been confirmed, you can start collecting payments. To collect a payment, you can use the following code:```ruby
payment = client.create_payment(
params: {
amount: 1000,
currency: "GBP",
mandate_id: "MD1234567890"
}
)
```
The `params` hash can include additional information about the payment, such as the payment description and the date of the payment.

Step 8: Handle Webhooks

Webhooks are a way for GoCardless to notify you of events that occur in your account. For example, GoCardless can send you a webhook when a payment is collected or when a mandate is canceled. To handle webhooks, you can create a new Ruby file and add the following code:```ruby
require "gocardless"
client = GoCardless::(
access_token: "YOUR_ACCESS_TOKEN"
)
(:payment_created) do |payment|
# Do something with the payment
end
```
Be sure to replace "YOUR_ACCESS_TOKEN" with the access token that you generated in Step 2.

Conclusion

This tutorial has provided you with a basic overview of how to integrate with GoCardless's API. By following these steps, you can automate your payment processes and improve your business's efficiency.

2025-02-24

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