GoCardless Direct Debit integration for CiviCRM: will this extension handle 5 year memberships?
I think thats perfectly possible within GoCardless. You would need to setup a plan for each of the differing membership collection periods you would like to collect for in order to use it as a traditional Direct Debit. FYI a Direct Debit is a UK equivelant of SEPA with some technical differences i.e. UK bank accounts only etc.