What is GoCardless used for?

GoCardless is a bank-to-bank payments platform for collecting one-off and recurring payments by direct debit and Pay by Bank. It is a good fit for subscription businesses collecting recurring payments, companies reducing card fees and chargebacks, and finance teams syncing payments with accounting software.

How much does GoCardless cost?

GoCardless is a paid product with no free plan. No setup or monthly fees for most users; fees are taken per transaction at 1% + 20p (Standard), 1.25% + 20p (Advanced) or 1.4% + 20p (Pro). Custom plans are negotiated with sales.

Is GoCardless open source?

No. GoCardless is proprietary (closed-source) software and can't be self-hosted. In the Finance & Accounting category, open-source options include Lago, Hyperswitch and Polar.

What are some alternatives to GoCardless?

GoCardless competes with Stripe, Mollie and Adyen.

GoCardless: features, pricing and alternatives

About GoCardless

GoCardless is a payments company built around bank-to-bank transfers rather than cards. Businesses use it to collect one-off payments, invoice payments and recurring payments such as subscriptions and installments directly from customers' bank accounts, which the vendor positions as a way to avoid high card fees and failed card payments.

The platform covers one-off, recurring and outbound payments, plus a newer Pay by Bank option with instant confirmation. Add-ons include Success+ for recovering failed payments, Protect+ for fraud protection, and a financing option through Pipe. It connects to accounting and billing tools such as Xero, QuickBooks and Zuora through a large set of integrations, and offers APIs for custom builds.

The company serves both small businesses and enterprises and lists work on payments made by AI agents. It is a hosted commercial service and publishes pricing on a separate page. Documentation for developers and support articles are available, along with a guide to direct debit for businesses new to the method.

Key features

Direct debit and Pay by Bank collection
Recurring payments for subscriptions and installments
Outbound payments to suppliers and partners
Integrations with Xero, QuickBooks and Zuora
Failed-payment recovery and fraud add-ons
APIs for custom integrations

Good fit for

→Subscription businesses collecting recurring payments
→Companies reducing card fees and chargebacks
→Finance teams syncing payments with accounting software

Tags: direct-debit; recurring-payments; bank-payments; pay-by-bank; payments; subscriptions; fintech

GoCardless: questions and answers

What is GoCardless used for?: GoCardless is a bank-to-bank payments platform for collecting one-off and recurring payments by direct debit and Pay by Bank. It is a good fit for subscription businesses collecting recurring payments, companies reducing card fees and chargebacks, and finance teams syncing payments with accounting software.
How much does GoCardless cost?: GoCardless is a paid product with no free plan. No setup or monthly fees for most users; fees are taken per transaction at 1% + 20p (Standard), 1.25% + 20p (Advanced) or 1.4% + 20p (Pro). Custom plans are negotiated with sales.
Is GoCardless open source?: No. GoCardless is proprietary (closed-source) software and can't be self-hosted. In the Finance & Accounting category, open-source options include Lago, Hyperswitch and Polar.
What are some alternatives to GoCardless?: GoCardless competes with Stripe, Mollie and Adyen.