KalplexCompliance centre
Kalplex sends instructions; GoCardless moves the money. That split is what keeps Kalplex outside payment regulation and keeps your funds with a licensed institution.
- 01
Shopper's bank
The debit is taken from the shopper's account under the mandate they signed with you.
- 02
GoCardless
GoCardless, a regulated payment institution, collects the payment through your GoCardless account.
- 03
Your bank account
GoCardless pays the money out to the bank account you registered with it.
- 04
Kalplex
Receives status updates only — and invoices you separately for its subscription and fees.
| Party | Role | Regulated as |
|---|---|---|
| You, the merchant | Creditor: gives the time to pay, owns the receivable | Merchant (outside CCD2 if the conditions hold) |
| GoCardless | Collects debits and pays out under your account | Payment institution |
| Kalplex | Software: mandates, scheduling, risk rules, dunning | Not a payment or credit provider |
GoCardless Ltd is authorised by the UK Financial Conduct Authority (registration 597190). In the EEA your agreement may be with another GoCardless group company — see your GoCardless terms.
This is general information, not legal advice
CCD2 is a directive: each EU country writes its own law to implement it, and details differ. Before you launch, get a written opinion from a lawyer in your first target country.
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