GoCardless
🇬🇧 GB · from 1% + 20p per transaction (capped at £4 domestic, £4 international)
2.7/5· 2,903 reviews across 5 portals
UK-based payment gateway for recurring and one-off bank debit and open banking payments
Replaces
GoCardless is sought as a European alternative to:
Features
Global payments
- Collect one-off, subscription, membership, and instalment payments
- Set up, pause, edit, schedule, or cancel payments via dashboard
- Collect from 40+ countries using mid-market exchange rates (powered by Wise)
- Flexible Direct Debit setup (online, paper, or phone)
- Send instant outbound payments
Connect & customise
- 350+ pre-built integrations (Xero, QuickBooks, Zuora, Chargebee, etc.)
- API for custom integrations
- Fully customisable payment pages and email notifications
- Display your business name on bank statements
Add-ons & protection
- Success+: Automatically recover up to 70% of failed payments
- Protect+: Advanced fraud protection and chargeback challenges
- Verified Mandates: Enhanced identity checks for new customers
- Access capital via Pipe
Payment capabilities
- Recurring Pay by Bank (variable recurring payments)
- Faster checkouts with 'Remember Me' feature
- Invoicing
- Open Banking support
Pricing
- No setup costs or hidden fees
- Monthly rolling contract
- Free trial available
- Core payment collection features
- Includes Success+ for failed payment recovery
- Verified Mandates for identity checks
- No setup costs or hidden fees
- Monthly rolling contract
- Includes Protect+ for fraud protection
- All Advanced features
- No setup costs or hidden fees
- Monthly rolling contract
- Volume-based discounts
- Dedicated customer support
- Fully customised package
- Your business name on bank statements
- Fully custom checkout (not available on Standard)
Prices vary by region and transaction type. Caps apply to domestic and international payments.
EU Trust Profile
What we verified against public sources, last checked 2026-09-21. Every point links to its evidence.
- Evidence →EU data residency
Core processing for European payments is hosted on servers within the EEA.
- Evidence →European legal entity
GoCardless SAS is registered in France and provides services to EEA merchants.
- Evidence →Trust center / security page
- Evidence →ISO 27001Certified by British Assessment Bureau
- Evidence →Documented data export
Customers can export data via CSV downloads in the dashboard or the Exports API.
- Evidence →Local-language support
Support is provided in German, French, and Spanish in addition to English.
We list only what we could verify against a public source on the check date. A point that is absent was not established either way — it is not a finding against the vendor. The vendor's own information prevails.
Work at GoCardless?
This badge is free for every vendor we list and has no bearing on the order of any list. It is issued on the basis of a verified European headquarters (GB) and the compliance points we checked against public sources — the date on it is the date we last checked.
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Reviews
Recurring themes, synthesized from public reviews across portals.
What users value
- Easy setup with a user-friendly dashboard and straightforward interface
- Automated recurring payments reduce administrative workload
- Seamless integrations with Xero, QuickBooks, and Salesforce with automatic reconciliation
- Lower transaction fees than credit card payments, especially for high-value invoices
- Transparent per-transaction pricing with no setup costs
- Strong security with Verified Mandates and Protect+
- High reliability for recurring payments with low failure rates
- Compliance with SEPA and GDPR standards
Where users see room to improve
- · Slower payment processing times, up to 7 working days for first collections
- · No support for credit/debit cards, digital wallets, or buy-now-pay-later options
- · Customer service issues, including slow responses and unresolved account suspensions
Ratings across portals
Linked facts, we bring ratings from every portal together in one place.
Integrations
Feature, pricing and integration details are based on web research (as of 2026-08-08), without guarantee, errors are possible. The vendor's website prevails.