The initial visual of a spreadsheet turning red indicating failed payments.

The ad opens with a laptop displaying a payment collection spreadsheet in a gym setting. The spreadsheet rows turn red, indicating failed payments. The scene then shifts to graphics showing declining payment success rates for card payments, followed by higher rates for direct bank payments. A phone screen shows a payment confirmation. The ad concludes with a close-up of dumbbells and towels, with the GoCardless logo and tagline.