What it is
GoCardless collects payments directly from bank accounts using Direct Debit schemes and open banking, with tools for recurring billing and failed-payment retries. Fees are per transaction.
Who it suits
Subscription and invoice-based businesses that want lower-cost bank payments instead of cards.
How it charges
Per-transaction pricing with a percentage and cap per payment, lower than cards for most amounts. Higher plans add features such as payment-failure recovery and lower unit rates.
Getting started
Sign up online, verify the business and connect your billing or accounting software. Customers authorise a Direct Debit mandate once; you then collect on schedule.
At a glance
- Pricing
- Per transaction
- In-person
- No
- Subscriptions
- Yes
- Marketplace payouts
- No
- Headquarters
- London
- Founded
- 2011
Strengths
- Cheaper than cards for recurring payments
- Automatic retries for failed collections
- Integrates with major accounting and billing tools
Watch for
- Bank payments only
- Settlement slower than cards
Readers ask2 questions answered
Why use Direct Debit instead of cards?
Bank payments cost less per transaction, do not expire like cards, and suit recurring billing. Settlement is slower than cards.
Does GoCardless work outside the UK?
Yes. It supports SEPA, ACH, BECS and other schemes across Europe, the US, Australia and more.
How it comparesIts standing in 1 comparison
Best for recurring bank payments
- Pricing
- Per transaction 4 of them share this
- In-person
- No 1 provider in this comparison
- Subscriptions
- Yes 4 of them share this
- Marketplace payouts
- No 3 of them share this
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