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MOCO + SepaHeld
SepaHeld automates the collection of outstanding invoices via GoCardless.
The integration connects MOCO with SepaHeld: new and updated invoices are transferred automatically, eligible invoices are collected by SEPA Direct Debit on the due date, and payments are then matched via MOCO’s bank reconciliation. This means you get paid on time – without manual chasing and without maintaining data twice.
Benefits of the SEPA Direct Debit Integration
Collect invoices automatically on the due date
SepaHeld detects new and updated invoices from MOCO and checks whether the payment term stored in SepaHeld is included in the invoice footer. If it is, the invoice amount is collected on the due date by SEPA Direct Debit via GoCardless.
The payout is then made by GoCardless to your bank account. This turns an outstanding invoice into a predictable incoming payment – without anyone having to wait for bank transfers or send payment reminders.
The payout is then made by GoCardless to your bank account. This turns an outstanding invoice into a predictable incoming payment – without anyone having to wait for bank transfers or send payment reminders.
Digital SEPA mandates without paperwork
If there is not yet a valid SEPA mandate for a client, SepaHeld requests one digitally when needed. The mandates are managed in SepaHeld or GoCardless and matched to the relevant payment.
No printing, no retyping, and no chasing missing signatures. IBAN details are validated from the outset.
No printing, no retyping, and no chasing missing signatures. IBAN details are validated from the outset.
Transfer MOCO invoices automatically
New and updated invoices are transferred automatically from MOCO to SepaHeld via API and webhook. The following, among other things, are synchronised:
- Invoice amounts and due dates
- Client and contact details
- the invoice footer text
- Invoice and payment status
- Creation, editing, and deletion of invoices
This keeps MOCO and SepaHeld in sync – without manual transfer and without duplicate maintenance.
Reconcile incoming payments in MOCO
The collection itself runs via SepaHeld and GoCardless. As soon as the payout reaches your bank account, it is matched in MOCO to the relevant invoice via bank reconciliation or payment reconciliation.
This sets the invoice to “paid” in MOCO. SepaHeld does not post the invoice back directly and does not use a clearing account – reconciliation happens where the money actually arrives: in MOCO.
This sets the invoice to “paid” in MOCO. SepaHeld does not post the invoice back directly and does not use a clearing account – reconciliation happens where the money actually arrives: in MOCO.
Less time spent chasing, more predictable cash flow
Invoices are collected automatically on the agreed date. This reduces outstanding items and takes the pressure off payment monitoring. If a direct debit is returned, SepaHeld informs you straight away.
That leaves more time for your projects – and less time chasing payments.
That leaves more time for your projects – and less time chasing payments.
Who Is SepaHeld with MOCO Relevant For?
The integration is particularly suitable for:
- Agencies, service providers, and freelancers with project-based invoicing
- SMEs in the DACH region with recurring invoices or series invoices
- Teams that want to manage SEPA Direct Debits and mandates digitally
- anyone who wants to organise invoice collection and payment reconciliation without manual handovers
More than €437 million has already been collected by direct debit via SepaHeld. More than 1,000 companies and freelancers use the solution.
Typical Use Case
An agency creates its project-based invoices in MOCO as usual. The payment term configured for SepaHeld is stored in the invoice footer.
SepaHeld automatically detects the new invoice and transfers it. If there is not yet a valid SEPA mandate, it is requested digitally from the client. On the due date, SepaHeld collects the invoice amount via GoCardless.
As soon as the GoCardless payout reaches the agency’s bank account, the agency reconciles the incoming payment in MOCO. The invoice is then also marked as “paid” in MOCO.
One process, two systems – and significantly less manual work.
SepaHeld automatically detects the new invoice and transfers it. If there is not yet a valid SEPA mandate, it is requested digitally from the client. On the due date, SepaHeld collects the invoice amount via GoCardless.
As soon as the GoCardless payout reaches the agency’s bank account, the agency reconciles the incoming payment in MOCO. The invoice is then also marked as “paid” in MOCO.
One process, two systems – and significantly less manual work.
Set Up the Connection
- In MOCO, open Settings → Extensions → API Key.
- Create an API key with full access and unlimited validity.
- Open SepaHeld and switch to the MOCO tab.
- Click “Connect”.
- Enter your MOCO subdomain and the API key, and confirm the connection.
After that, new and updated invoices are synchronised automatically.
Support
Support for the integration and direct debit collection is provided by SepaHeld.
Client Feedback
“The digital mandate was a turning point for us: the client clicks once, and we have a valid, verified SEPA mandate. No retyping, no chasing missing signatures, and no lost forms in the filing cabinet.” — Bernd Schneider
About SepaHeld
SepaHeld automates SEPA Direct Debit collection. The solution connects accounting and ERP systems with GoCardless, requests digital mandates, collects outstanding invoices automatically, and supports payment reconciliation.
More than 1,000 companies and freelancers use SepaHeld. The total direct debit volume collected to date is over €437 million.
Find out more about SepaHeld
More than 1,000 companies and freelancers use SepaHeld. The total direct debit volume collected to date is over €437 million.
Find out more about SepaHeld
