You set up a Direct Debit mandate with your customer once. From then on you collect payments against that mandate - one-off or on a recurring subscription - and each payment posts automatically into Opera as a receipt, correctly allocated and referenced.
You are always in control. Nothing is collected without a mandate the customer has authorised, and you decide the amount and date of every collection. Payments run against batches you review, and the app keeps a full audit trail of what was collected and posted.
Per-company settings - each company is configured and isolated separately.
Review-before-post - you see what is going to Opera before it is committed.
Session locking - stops two people or two tabs writing conflicting entries at once.
Reference matching - every payment carries a reference tying it back to the bank line and the posted Opera entry.
Full posting integrity - correct nominal, VAT and customer allocation.
Payments are handled by GoCardless, an FCA-regulated, bank-grade payments provider trusted by tens of thousands of businesses. We do not store card or bank credentials - collection runs through GoCardless's secure infrastructure, and the app only writes the accounting result back into your own Opera system.
Yes - GoCardless charges a small fee per collection. Set that against getting paid on the due date instead of chasing for weeks: the hours your team no longer loses to reminders, the cashflow you can finally plan around, and the invoices that actually get paid rather than written off. For most businesses the value of fast, predictable payment comfortably outweighs the fee.
Yes. OperaAI connects to your GoCardless account via their API and syncs payments, mandates and subscriptions into Opera.
No. It is purpose-built for Opera 3 and Opera SQL SE, posting exactly as a careful bookkeeper would: right nominal codes, right VAT, right customer account. The reference-matching means your bank reconciliation lines up cleanly too.
No. They authorise a Direct Debit mandate once - a simple, familiar process they have done with utilities and subscriptions countless times. After that it is hands-off for them and for you.
Direct Debit fails far less often than card payments. When a payment does need attention it is surfaced clearly with the GoCardless failure reason, so your team can act quickly rather than finding out weeks later at reconciliation.
Yes. Set up subscriptions with the frequency and amount you choose, and each collection posts into Opera automatically - ideal for retainers, memberships, service plans or any regular billing.
No. It works with your existing Opera setup and posts into the accounts you already use. Your month-end process gets shorter, not different.
Works with Opera 3 & Opera SQL SE