GoCardless Partnership — Primoro (Dental SaaS Platform)

Context

This document describes the agreed approach for Primoro to integrate GoCardless as the direct debit payment provider within its dental practice management SaaS platform. Primoro is a purpose-built SaaS product targeting UK dental practices, and GoCardless has been identified as the preferred partner for subscription and direct debit transaction processing within the platform's care plan membership module.

Key Points

• Primoro is a SaaS platform for dental practices, built by the owner of Foxbury Dental (South Leicestershire). Foxbury Dental will serve as the pilot / MVP site.
• The platform is mobile-first and includes a white-labelled patient-facing mobile app branded to each practice.
• The care plan subscription module — covering routine care, hygiene plans, and optionally treatment plans (e.g. orthodontics, fillings) — is the primary integration point for GoCardless. This module is not included in the initial MVP but is the first post-MVP module planned.
• Subscription amounts per patient range from approximately £10–£250 per month. Foxbury Dental currently processes approximately £10,000/month in subscription revenue via GoCardless.
• Primoro's growth target is to onboard 3,000 dental practices within 2–3 years. There are approximately 12,500 dental practices in the UK.
• The intended GoCardless use case is direct debit only — card payments are explicitly excluded. GoCardless's Instant Bank Pay (open banking, one-off payments) was noted as a complementary capability that could substitute for card-based ad hoc payments at lower cost.
• The platform intends to position Primoro as the top-level GoCardless merchant, with individual dental practices as sub-customers — analogous to the IEC++ model already agreed with DNA Payments for in-person/card-not-present transactions.
• DNA Payments has been separately engaged (contact: Lee) for in-person and over-the-phone payments within the platform, with a preferential rate agreed. GoCardless and DNA Payments are intended to operate in parallel within Primoro.
• The current GoCardless API connection exists under the Foxbury Dental account (direct-to-customer). The architecture needs to be re-platformed so that Primoro is the partner account and Foxbury Dental becomes a sub-customer/tenant.
• Primoro may have a legacy GoCardless account under a former company name, which can be renamed and reconfigured for use as the Primoro partner account rather than creating a net-new account.
• GoCardless's API is a single build across all schemes; international expansion (outside UK) can be enabled by turning on additional countries without rebuilding.
• GoCardless has no minimum partner size requirement.

Decisions

• Payment method — Direct debit via GoCardless only; no card payments within the subscription module.
• Integration approach — Primoro will integrate GoCardless via the open API; development will begin in Sandbox before moving to production.
• Account structure — A Primoro-level GoCardless account will be created (or existing legacy account renamed) to act as the partner/top-level merchant; Foxbury Dental and future practices will sit beneath it as sub-customers.
• Revenue share — GoCardless will pay Primoro 10% of all GoCardless fees processed through the integration, with no hidden fees. This is the standard partner revenue share.
• Commercial agreement — GoCardless standard partner Terms & Conditions apply; these are accepted at the point of integration submission for review.

Open Items

• Primoro's GoCardless API integration has not yet been built; this is confirmed as the outstanding critical path item for the care plan module. (status: open)
• Preferred rate negotiation with GoCardless (analogous to the preferential rate secured with DNA Payments) has not been formally confirmed — Harry indicated an expectation that scale would be reflected commercially. (status: open)
• Technical certification / demo of the integration must be completed before GoCardless approves the partnership; requirements to be shared by GoCardless post-meeting. (status: open)
• GoCardless solutions engineer Luke to be looped in for technical questions during integration build. (status: open)
• Primoro website launch is imminent but not yet live; MVP screenshots and demos are available for sharing with GoCardless if needed. (status: open)

Related Modules

• care-plan-subscription-module
• payment-integrations
• partner-onboarding

Source

Derived from meeting transcript (partner acquisition call between Primoro / Foxbury Dental and GoCardless partner acquisition team) on 2026-05-12.