GoCardless 2026: Benefits, Features & Pricing

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Overview
Pricing and Plans
Features
Integrations
User Reviews

Overview

GoCardless

4.0

(85)

Pricing

Starting at £50.00 per month

About GoCardless

GoCardless is a leader in bank payments, including bank debit, real-time payments, and open banking. We believe bank payments are the best way for businesses to pay and get paid.

We put you in control. Reducing complexity, cost, and friction in the payment process. Our platform brings Direct Debit into the digital age, building the best system for collecting recurring and one-off payments. Businesses of all sizes use GoCardless to collect and send payments confidently and securely—without the chasing, stress, or hidden fees.

Over 100,000 businesses around the world trust us to power their payments, processing over $130 billion each year. Our clients range from small businesses to household names such as Box, TripAdvisor, Virgin, and The Guardian. You can collect and send payments across multiple countries and currencies, with support for a range of Direct Debit schemes across the UK and Europe.

We help our customers face their payment challenges head-on. Our platform offers key features like automatically recovering failed payments with Success+, challenging chargebacks, and fighting fraud. We connect to over 2,500 banks, facilitating the adoption of open banking payments and da...

GoCardless Screenshots

GoCardless Pricing and Plans

Starting price: £50.00 per month

Free Trial

Free Version

Standard

£0.00

per month

Plan includes:

Authorised by the Financial Conduct Authority
Collect One-off Payments Seamlessly With Instant Bank Pay
Collect Payments From International Customers
Collect Recurring and Variable Payments With Bank Debit
Custom Integration or Dashboard
Invite Customers to Setup Online
Iso27001 Certified for Information Security Management
Move Existing Customers to Gocardless
Optimise Your Payments With Success+
Payment Page With Your Logo

Plus

£50.00

per user, per month

Plan includes:

Add Brand Colours to Gocardless Payment Pages & Emails
Authorised by the Financial Conduct Authority
Collect One-off Payments Seamlessly With Instant Bank Pay
Collect Payments From International Customers
Collect Recurring and Variable Payments With Bank Debit
Custom Integration or Dashboard
Extra Customisation Options on Your Payment Page
Invite Customers to Setup Online
Invite Customers to Setup Over the Phone or in Person
Iso27001 Certified for Information Security Management

Pro

£200.00

per user, per month

Plan includes:

Add Brand Colours to Gocardless Payment Pages & Emails
Authorised by the Financial Conduct Authority
Collect One-off Payments Seamlessly With Instant Bank Pay
Collect Payments From International Customers
Collect Recurring and Variable Payments With Bank Debit
Custom Email Notification
Custom Integration or Dashboard
Custom Payment Pages
Extra Customisation Options on Your Payment Page
Invite Customers to Setup Online

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GoCardless Features

Popular features found in Recurring Billing
Bank Reconciliation
Billing & Invoicing
Contact Database
Deferred Billing
Dunning Management
Invoice Processing
Multi-Currency
Multi-Period Recurring Billing
Multiple Payment Options
Payment Processing
PCI Compliance
Refund Management
Reporting & Statistics
Revenue Recognition
Self Service Portal
Subscription Management
Tax Calculation
Third-Party Integrations
More features of GoCardless
Accounting Integration
Alerts/Notifications
API
Customizable Branding
Data Security
Electronic Payments
Invoice Creation
Invoice History
Online Invoicing
Online Payments
Payment Gateway Integration
Payment Reconciliation
Project Billing
Projections
Recurring Invoicing
Recurring/Subscription Billing
Reporting/Analytics
Search/Filter
Status Tracking
Transaction History

GoCardless Integrations

Xero

Integration rated 4.4 from 13 reviews

QuickBooks Online Advanced

Sage CRM

Zuora

GoCardless User Reviews

Overall Rating

4.0

Ratings Breakdown

55%

22%

15%

Secondary Ratings

Ease of Use

4.0

Value for money

3.8

Customer support

3.4

Functionality

4.0

John G.

Verified reviewer

Health, Wellness and Fitness

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed July 2021

Best Solution On The Market

Ou experience has been very positive. The platform is super easy to use. GoCardless is our main payments gateway and we will be sticking with them.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Very easy to get started with GoCardless. And super easy to either add payment requests manually or import them. They are by far the easiest payment solution platform I have come across.

Cons:

The direct debit signup is hosted on their side. With the free tier, you get a link to a dedicated page where customers can submit their details. Recently we have updated our onboarding process and to integrate a seamless customer experience (i.e. the customer not being navigated to a GoCardless page) we need to subscribe to their Pro tier which is very expensive. Very disappointed with this feature not being available to at least the Plus tier.

Jane G.

Verified reviewer

Health, Wellness and Fitness

2-10 employees

Used daily for less than 2 years

Review source

Reviewed April 2022

Great little system for handling direct debit payments

The big benefit is that it just deals with all the payments behind the scenes and saves me so much time. I only have to get involved on the rare occasions that a payment fails or something unusual occurs, and then it flags this up for me.

Ratings Breakdown

Ease of use

Value for money

Functionality

Pros:

It’s really easy to setup, and it’s really easy for my customers to setup their payments, even though many of them are not very IT savvy. I love that this software just gets on with the job of dealing with my customer payments and I rarely have to get involved!

Cons:

The only thing I noticed it was missing was the ability to take payment in all currencies. We have used it for sterling, euro and Australian dollar payments. We would have used it for Japanese yen too had the facility been there.

Reasons for choosing GoCardless

GoCardless was far simpler to setup, less expensive and it matched our business processes best. It also integrates with our main business system, TeamUp.

Dustin S.

Verified reviewer

Financial Services

2-10 employees

Used monthly for less than 2 years

Review source

Reviewed December 2024

NEVER Use This Service - They are the WORST!

I HATE this business!! They are the absolute worst. They allow you accept payments from customers, and THEN they suspend your account. The "Account Review" team can ONLY be reached by email and then NEVER respond. They have over $40,000 of my funds and have holding my account hostage for over two weeks and counting...

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

The provide of their service, which they have broken.

Cons:

Everything about actually working with them.

Verified

Reviewer

Design

Self-Employed

Used monthly for less than 2 years

Review source

Reviewed April 2022

GoCardless for WooCommerce & Xero Payments

Overall, I am happy with GoCardless. At first I just offered it on my Xero invoices, but since moving my invoicing and subscriptions to WooCommerce, I have implemented it on there too. I found my Xero connection wouldn't stay connected after I had it linked to WooCommerce though - not sure if thats a fault, or intentional.

Ratings Breakdown

Ease of use

Value for money

Functionality

Pros:

I now offer GoCardless as an alternative to Stripe for my website recurring payments (subscriptions). Many clients prefer paying from their bank account over a credit card, and I am happy to have an auto billing option that provides that service to them.

Cons:

It seems to take a while for payments to clear in my account. Just be mindful of this before implementing - if you thought Stripe was slow, GoCardless is slower. Factor that into your decision.

Reasons for choosing GoCardless

Chargebee had high fees, and I tried both Billforward.io & My Fund Box but wasn't a fan of their interface or general settings, especially in relation to Australian GST requirements (tax invoices) and integrations, etc.

Reasons for switching to GoCardless

The reduced fees in comparison to PayPal and even Stripe has been a welcome change though, and although it takes a while to get the cash in my bank account, for the reduced cost to accept payments this way, I am happy and will continue to use GoCardless.

Verified

Reviewer

Management Consulting

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed May 2023

Excellent direct debit solution for vendors

GoCardless is perfect for everybody that wants to start offering direct debit to clients without having to invest vast amounts of money upfront.

Ratings Breakdown

Ease of use

Value for money

Functionality

Pros:

GoCardless was very simple to setup years ago when we wanted to offer our clients the option to pay via direct debit. Forunately there is a ready made connection to Zoho Books which made the whole setup extremely easy.

Cons:

The fees are a bit higher than competitors, but that's understandable given the fact that there are no setup fees or recurring fees.

Reasons for switching to GoCardless

Didn't want to pay every month for a service I don't always use that extensively.

STANISLAS O.

Verified reviewer

Human Resources

51-200 employees

Used weekly for more than 2 years

Review source

Reviewed January 2024

Gocardless - Be able to add a payment choice for your customers

We used Gocardless since 2015, I discovered the product in 2020 and I recommend it because the product is still ramping up, more ergonomic and try to add in France the "instant direct banking" to earn efficacity an security.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

What I like in Gocardless is his reliability, we connected it to our acconting system, ours emails adress, our software and also at our internal communication. It's posible to deal with our reccuring billing but also one time payments. Success+ is also a good product of Gocardless to which automatically restarts failures.

Cons:

I'm a little bit of disappointed the time to recover the money between the billing and the money in our bank account. It's between 8 and 14 days.

Reasons for choosing GoCardless

Their documentation for engineers but also the price and the choice to not be engaged.

Ben H.

Verified reviewer

Design

2-10 employees

Used monthly for more than 2 years

Review source

Reviewed February 2023

Great for recurring payments

We get far less churn with gocardless than when we were using credit card based processors. People are more likely to leave a DD running than a CC recurring payment.

Ratings Breakdown

Ease of use

Functionality

Pros:

The low fees for direct debits, as well as the much lower churn rate, when compared to credit cards are what really make this a winner. It's set-it and forget it collection of fees, directly from customers bank accounts!

Cons:

The control panel can sometimes be confusing, and sometimes its difficult to see how many people are on a particular payment plan.

Reasons for choosing GoCardless

The low fees, and the potential to reduce churn.

Bill B.

Verified reviewer

Marketing and Advertising

2-10 employees

Used monthly for less than 6 months

Review source

Reviewed August 2021

Great Software to Save on Merchant Fees

So far so good, it's been very helpful in saving money in the business.

Ratings Breakdown

Ease of use

Customer support

Functionality

Pros:

GoCardless is excellent if you want to save tremendously on merchant fees, it's very easy to setup and you can use it instantly, send a link to your client for them to sign up and after that you can make payments or add them to a plan and everything is taken care of from there.

Cons:

Payout times are unpredictable, unlike Stripe, you can bill someone and know it will take 3 days to arrive, maybe 7 if you're still making your first few payments, however with GoCardless you don't know exactly when payment will be taken from the client unless you're using a recurring payment set for a specific day each month, also GoCardless doesn't produce invoices so you have to set it up with Quickbooks to produce invoices, which can also be a bit tedious.

Reasons for switching to GoCardless

Merchant fees, Stripe is still a great piece of software nonetheless.

Nicolas P.

Verified reviewer

Information Technology and Services

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed March 2025

A must have for automated recurring payments