GoCardless 2026: Benefits, Features & Pricing

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On this page

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

Ludovic B.

Verified reviewer

Sports

2-10 employees

Used daily for more than 2 years

Review source

Reviewed December 2022

Easy way to win time

Great, just for little payments the charges update had changed our way to work with that. For the rest, we love it.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

with team-up integration i win so much time. recurrent memberships payments.So easy way to develop payment in our boxes.

Cons:

possibility to decrease charges for little payment. 0,20centimes for little payment is so big. in the past we used for so much payment now it's too expensive for little payment. 0,20cent add-on has been living like an horrible news for us.. We need to use stripe now for that.

Reasons for choosing GoCardless

in the past, little payment great without the 0,20cent add-on and connected with teamup (we use it from 8 years now)

Luke T.

Verified reviewer

Education Management

Self-Employed

Used weekly for less than 6 months

Review source

Reviewed June 2025

Excellent payment portal where I don't need to lift a finger

Really really pleased with this service. I was debating whether just to control my own payments once the interest free period is over, but the charges are minimal and it's worth the peace of mind and time saving.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

GoCardless is so easy to use and doesn't over-complicate things by adding unnecessary features or settings. The dashboard is user-friendly and it doesn't take long to get your head around it. Having the automated payments and being able to take one-off payments using DD is so useful. The interest-free period was extremely generous too.

Cons:

I would quite like to have more autonomy on designing how the customer payment request looks/is designed. Getting paid out does take a bit of time, but not terrible.

Reasons for switching to GoCardless

I wanted direct debit functions and a more streamlined platform.

Adewale S.

Verified reviewer

Health, Wellness and Fitness

Self-Employed

Used monthly for more than 2 years

Review source

Reviewed January 2026

Easy to use over the web

Overall, GoCardless has been an excellent platform for international payment. I think the application has really be helpful especially for start-ups.

Ratings Breakdown

Ease of use

Functionality

Pros:

GoCardless is simply amazing. I have used it at several times. I thinks it processes payments well over the web and interoprates well with various applictions

Cons:

GoCardless had been working well for me anytime it's need. Initially, international transaction was hectic but this has be fixed over time.

Richard O.

Verified reviewer

Computer Software

2-10 employees

Used daily for less than 2 years

Review source

Reviewed November 2025

Average service at a reasonable price

It has been very up and down. The customer support team are genuinely helpful but it is limitations in the product offering that let them down.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

The direct debit with Quickbooks, when it works. It is seamlessly integrated with Quickbooks to automate customer payments every month

Cons:

When the direct debit integrated services between Gocardless and Quickbooks doesnt work, which happened for 50% of out customer base and was very hard to restore. Also, Gocardless cant collect payments from Poland where some of our customers are based.

Tom S.

Verified reviewer

Information Technology and Services

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed July 2025

Useful for collecting subscription payments from customers

Handy platform for ensuring prompt payments from customers - instead of relying on them to make manual payments. Reduces the chances of missed payments.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Once a customer is signed up for Direct Debit, it is easy to take payments from them. Subscriptions can be bundled into templates, and changing them is straightforward.

Cons:

Can take a few days from the payment submission date to actually receiving the funds in your account.

Jim M.

Verified reviewer

Computer Software

Self-Employed

Used weekly for less than 6 months

Review source

Reviewed October 2025

Avoid - Unreliable and Opaque

GoCardless wasted weeks of my time and disrupted my business. I was fully verified, then abruptly shut down without appeal or transparency. Meanwhile, Stripe, PayPal, Wells Fargo, and Capital One onboarded me with far less hassle. GoCardless is unreliable, unprofessional, and cannot be trusted as a payment processor. I will be filing complaints with U.S. regulators.

Ratings Breakdown

Ease of use

Customer support

Functionality

Pros:

Nothing at all. They created problems instead of solving them and added unnecessary delays to my business. I never got any benefit from using this service.

Cons:

Everything. They demanded excessive documents no other U.S. bank or processor required, cited UK and Canadian rules instead of U.S. law, made me get an attorney letter just to approve my account, and then deactivated me two weeks later with no explanation other than “security reasons.” Their support is slow, opaque, and unprofessional.

Reasons for choosing GoCardless

Went with Stripe, as well, for multi-currency support. Also went with PayPal, who will now be my non-USD processor.

Edward K.

Verified reviewer

Computer Software

Self-Employed

Used monthly for more than 2 years

Review source

Reviewed October 2025

The goto option for Direct Debits. Shame the dev tools are lacking and the pricing is on the high side.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Simplicity and focus. While other platforms can get distracted and try to offer everything, GoCardless have focussed on and are a near authority on making Direct Debits available to the masses.

Cons:

The lack of developer tools to simulate events. A sandbox environment is available, but it's not possible to fast forward through time to test payments as they progress from submission to payout. This makes development, testing and debugging tiresome. The pricing is also on the high side.

Andreia S.

Verified reviewer

Education Management

51-200 employees

Used daily for more than 2 years

Review source

Reviewed April 2025

Simplifying payments and payment plans.

Super positive, stress free and reliable

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Intuitive and the fact you can schedule payments

Cons:

It doesn't work for American bank accounts, for instance

Jake M.

Verified reviewer

Health, Wellness and Fitness

2-10 employees

Used monthly for more than 2 years

Review source

Reviewed April 2025

A great option for a small business to take monthly payments

Great, not had any issues with them since using them for over 2 years.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Makes it easy to remove add members Direct debits details and assess what is coming in. Makes it very clear around how much of a fee Gocardless take too, very transparent

Cons:

We had a switch of business name where communication could have been better but it was thorough which is good.

Tamara R.

Verified reviewer

Non-Profit Organization Management

11-50 employees

Used weekly for less than 12 months

Review source

Reviewed July 2025

Good so far!

Our experience with it is going well so far, it seems to work well with imis and it tracks the information without any glitches, so at the moment we have no complaints.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

It seems quite seamless in it's use of processing direct debits and refunds, especially from how we used to do direct debits. It also seems to work well with iMIS.

Cons:

At the moment we haven't encountered many issues in the 10 months we've been using it, it seems to be quite easy to use and allows us to move towards being paperless.

Showing 1 - 10 of 85 Reviews

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