# Guide: Setting up GoCardless in Zuora

To set up GoCardless payment gateways in Zuora, refer to Zuora's Knowledge Center article available at:<https://knowledgecenter.zuora.com/Billing/Billing_and_Payments/M_Payment_Gateways/Supported_Payment_Gateways/GoCardless_Gateway>

For additional insights beyond Zuora's documentation, PeakCommerce offers the following guidance:

1. To configure the GoCardless payment gateway in Zuora, you'll need an OAuth token. If you haven't set up an OAuth token yet, follow these steps:
   * Navigate to your username in the top right corner of Zuora and select Payments > Gateway Authentication.
   * Click "Create Authentication."
   * Provide a name, select GoCardless as the type, and choose "Use Gateway Test Environment" if it's for the Sandbox.
   * Upon saving, you'll be redirected to the GoCardless Merchant account login page. Log in to authenticate the token.

2. When testing bank transfers with a GoCardless gateway (not a test gateway), ensure specific requirements are met. Mandatory fields vary based on the payment method/country, and only GoCardless test bank numbers are valid. Ensure GoCardless-required fields are marked accordingly in the corresponding Hosted Page's settings to avoid payment processing issues.

   * For Direct Debit UK:
     * Account Number
     * Account Name
     * Bank/Branch Code
     * First Name
     * Last Name
     * Email
   * For SEPA:
     * Account Number (IBAN)
     * Account Name
     * First Name
     * Last Name
     * Email
     * (Country recommended but not required)
   * For ACH:
     * Routing Number
     * Account Number
     * Bank Name
     * Account Name
     * Account Type
     * Country
     * State
     * City
     * Postal Code
     * Street Address
     * Email
   * For PAD:
     * Account Number
     * Account Name
     * Branch Code
     * Bank Code
     * First Name
     * Last Name
     * Email

3. GoCardless offers basic test bank details, accessible at: <https://developer.gocardless.com/getting-started/developer-tools/test-bank-details>. Further information on required fields and test bank details per country can be found in the appendix: <https://developer.gocardless.com/api-reference/2015-07-06/#appendix-local-bank-details>.

4. Certain payment method types are exclusively available when GoCardless is set as the Default Payment Gateway on a Zuora account. For instance, PAD. You won't be able to add a PAD payment method directly in Zuora or via PeakCommerce unless GoCardless is the Default Payment Gateway on the account.


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