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I have spoken to Go Cardless, and they confirm this is a Xero programming matter and if Xero wanted to, they could reasonably easily modify this set up, because Go Cardless already sends the various payment status calls to Xero.

So, I propose Xero could give us a "switch" toggle choice in the Go Cardless > Xero integration set up screen page:

Choose when you would like Xero to mark invoices paid:
1) Mark paid on the Due Date;
2) Mark paid when Go Cardless payment status reaches "Confirmed"

That way, it would satisfy most users. As the data is already coming from Go Cardless, this should be a fairly straightforward change for Xero developers to implement!

If you set up a connection between Xero and Go Cardless, Xero marks invoices as "paid" on the due date, without any actual confirmation of a successful payment from Go Cardless.

So even if Go Cardless subsequently fails to fetch the payment - Xero has still marked it as paid and you will not get any notification.

That is generally very bad practice to tell a customer their invoice has been paid when it has not. For example, the customer account doesn't have enough money in it and then the funds collection fails. The invoice is still marked as paid in Xero.

This should be rectified to only mark Direct Debit invoices in Xero as paid once the Go Cardless payment status reaches "Confirmed".

This is an important issue that needs to be addressed with the Go Cardless integration. Having invoices marked as paid for several weeks - when in reality they have not been paid - significantly impacts on credit control

Major problem is the current GoCardless integration are not bank feed and are only holding account where the transactions and statement lines are only created by the integration

GoCardless needs full bank feed support like Stripe or Paypal or Tyro or eWay.

yes it completely throws off the balances when a customer makes the bank reverse a DD charge, in the end the only way round this is to reverse the original invoice and recreate it afresh although payment history is lost doing this.