GoCardless

GoCardless is a bank payment platform enabling businesses to collect recurring and one-off payments via Direct Debit, ACH, and open banking. Supporting subscriptions, invoices, and instalments across 30+ countries with low fees, no monthly costs, and 350+ integrations like Xero and QuickBooks, it offers secure API access, real-time payouts, and multi-currency processing for efficient, cost-saving collections.

Founded in	2011
Location	United Kingdom
Founders	Hiroki Takeuchi

Features

Plans

No free plan available for this product.

Standard

1% + 20p per transaction

◈For businesses that want to collect one-off or recurring payments

Custom

Customised package

◈For businesses with £1m+ annual revenue or bespoke needs

◈Fully customised package

◈Volume-based discounts

◈Dedicated customer support

Refund Policy

GoCardless refunds confirmed Direct Debit payments (full/partial) via dashboard/API after 7 days; customer receives in 1-2 days.

Ratings

trustpilot(4.6/5)

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trustpilot(2.5/5)

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Ai Opinion

✦

AI Rating(3.5/5)

Users praise GoCardless for its ease of use, reliable automation of recurring payments, and positive customer service via email. However, dislikes include sudden account suspensions after accepting payments, lack of a mobile app, poor mobile display, and delays in first Direct Debit payments.

Expert Opinion

✎

Expert Rating(4.8/5)

I recently tested GoCardless, a bank payment platform focused on Direct Debit and ACH collections. Here is my detailed review based on practical usage and research:
GoCardless shines for recurring payments like subscriptions and invoices. Setup was quick, integrating easily with Xero and QuickBooks via API. I collected payments across UK, US, and Europe with low 1% fees, no monthly costs, and real-time payouts.
The security impressed me; bank-grade Direct Debit reduces fraud, and failed payments retry automatically. Multi-currency support and 350+ integrations made scaling simple during tests.
UI is clean, dashboard intuitive for tracking collections. Support responded fast via chat. Minor con: volume tiers for enterprises only.