GoCardless

Name: GoCardless
Brand: GoCardless

Bank payment platform for collecting recurring and one-off payments via Direct Debit.

softwarePayment Processingpayment-processingdirect-debitrecurring-billing

Visit Website

Our Verdict

Best for

Subscription and recurring-billing businesses wanting lower-cost bank payments over cards.

Skip if

You need fast one-time card checkout rather than recurring bank debit collection.

What is GoCardless?

GoCardless is a payment processing platform that enables businesses to collect and send payments through bank transfers and Direct Debit rather than relying solely on cards. It is trusted by more than 100,000 businesses and supports recurring billing, one-off payment collection, and outbound payouts across more than 30 countries. The platform emphasizes lower costs than card payments, reporting bank payments as roughly 49 percent cheaper, and offers features like Success+ for automatically retrying failed payments and Protect+ for fraud prevention and chargeback management. GoCardless integrates with more than 350 apps and provides API access for custom payment workflows, serving subscription businesses, e-commerce platforms, and enterprises with recurring billing needs.

SpecificationsAI-estimated

open source❌ No

api available✅ Yes

support optionsAccount support for business customers

key integrations350+ apps including accounting and billing platforms

Key Features of GoCardless

Collect recurring payments through Direct Debit across 30-plus countries.

Process one-off bank transfers with same or next-day settlement in supported regions.

Automatically retry failed payments through the Success+ feature to recover lost revenue.

Block fraudulent transactions and manage chargebacks with Protect+.

Send outbound payouts to suppliers or partners through the same platform.

Support multi-currency collection across GBP, EUR, USD, AUD, NZD, CAD, SEK, and DKK.

Connect to 350-plus third-party apps for billing and accounting workflows.

Build custom payment flows using the GoCardless API.

Use Cases for GoCardless

SaaS subscription billing

A SaaS company collects recurring monthly subscription payments via Direct Debit.

Utility and energy billing

An energy provider collects regular bank payments from residential customers.

Nonprofit recurring donations

A nonprofit sets up recurring donor payments through bank transfer.

B2B invoice collection

A B2B business automates collection of recurring invoice payments from clients.

Pros & Cons of GoCardless

Pros

Bank payments generally cost less than card processing fees
High first-time Direct Debit success rate reported at 97.3 percent
Automated failed-payment recovery through Success+
Wide country and currency coverage for recurring billing

Cons

Pricing is not published and requires contacting sales
Direct Debit settlement is generally slower than card payments
Best suited to recurring/subscription use cases rather than one-time retail checkout

Frequently Asked Questions

What payment method does GoCardless use?

It primarily processes payments through Direct Debit and bank transfers rather than card networks.

Does GoCardless handle failed payments?

Yes, the Success+ feature automatically retries failed payments to recover revenue.

How many countries does it support?

GoCardless supports payment collection across more than 30 countries.

Is pricing published?

No, specific pricing is not shown publicly and requires contacting the company.

Pricing Overview

View full pricing →

Contact for Pricing

Detailed plans are not listed. Visit the official website for pricing information.

Reviews & Ratings0.0

Write a Review See all reviews →

No reviews yet. Be the first to write one!

Top Alternatives & Similar Software

View all alternatives & similar software→

Mollie

AI-suggested

Mollie is a payment processing platform serving more than 250,000 businesses across Europe, combining online payments, in-person card acceptance, subscriptions, financing, and reconciliation in a single dashboard. Its Standard plan has no monthly fee, so merchants only pay per successful transaction, while a Volume plan with IC++ pricing and a dedicated account manager is available for businesses processing over 100,000 euros a month. Mollie supports a wide range of local and international payment methods, including Visa, Mastercard, PayPal, iDEAL, Bancontact, SEPA transfers and direct debit, and buy-now-pay-later providers like Klarna. For in-person sales it offers Tap Terminal, Mobile Terminal, and Fixed Terminal hardware alongside pay-as-you-go or subscription-based in-person pricing.

Compare with GoCardless