GoCardless
🇬🇧 GB · from 1% + 20p per transaction (capped at £4 domestic, £4 international)
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
2 of 9 criteria verified with evidence, last checked 2026-08-08. Every ✓ links to its source.
- Data Processing Agreement (DPA)not verified
- Trust center / security pagenot verified
- EU data residencynot verified
- Public sub-processor listnot verified
- Evidence →ISO 27001Certified since 2016, audited annually by British Assessment Bureau
GoCardless holds ISO 27001 certification for information security across all services and products.
- SOC 2not verified
- BSI C5not verified
- TISAXnot verified
- Evidence →German-language support
German language support is available in the dashboard.
Verified means: the claim was publicly documented at the linked source on the check date. The vendor's own information prevails.
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
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.