--- title: "GoCardless Reviews, Pros and Cons - 2026 Software Advice" description: "Reviews of GoCardless. Learn how real users rate this software's ease-of-use, functionality, overall quality and customer support. Talk to our advisors to see if GoCardless is a good fit for you!" source_url: "https://www.softwareadvice.com/accounting/gocardless-profile/reviews/" page_type: "reviews" language: "en" --- 1 million+ businesses helped. Get advice Get Free Advice [Home](https://www.softwareadvice.com/) / [Recurring Billing Software](https://www.softwareadvice.com/accounting/recurring-billing-comparison/) / [GoCardless](https://www.softwareadvice.com/accounting/gocardless-profile/) / GoCardless Reviews Software Advice offers objective insights based on verified user reviews and independent product and market research. When our advisors match you to a software provider, we may earn a referral fee. [Overview](https://www.softwareadvice.com/accounting/gocardless-profile/) Reviews [Alternatives](https://www.softwareadvice.com/accounting/gocardless-profile/alternatives/) # GoCardless User Reviews ## Reviews summary - Overall rating: 4.0/5 - Total reviews: 88 ### Secondary ratings - Ease of use: 4.0/5 - Customer support: 3.5/5 - Value for money: 3.9/5 - Functionality: 4.0/5 ### Rating distribution - 5 stars: 50 reviews (57%) - 4 stars: 19 reviews (22%) - 3 stars: 3 reviews (3%) - 2 stars: 3 reviews (3%) - 1 star: 13 reviews (15%) ### Most mentioned pros - GoCardless sends regular emails with pay-out information, including the customer detail breakdown and fee amount deducted to allow for quick reconciliation, and quickly transfers money into our bank account with no issues. - GoCardless integrates with both our accounting and fundraising software, ensuring the 2 systems are synced. - 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. ### Most mentioned 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. - The lack of developer tools to simulate events. ## GoCardless customer reviews Showing reviews 1-25 of 88 (page 1). ### Best Solution On The Market - Overall rating: 5/5 - Reviewer: John G. - Verified reviewer: Yes - Industry: Health, Wellness and Fitness - Company size: 2-10 employees - Product usage: Used weekly for more than 2 years - Reviewed: July 2021 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. 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: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### 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. --- ### Excellent payment portal where I don't need to lift a finger - Overall rating: 5/5 - Reviewer: Luke T. - Verified reviewer: Yes - Industry: Education Management - Company size: Self-Employed - Product usage: Used weekly for less than 6 months - Reviewed: June 2025 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. 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: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 4/5 #### 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. --- ### NEVER Use This Service - They are the WORST! - Overall rating: 1/5 - Reviewer: Dustin S. - Verified reviewer: Yes - Industry: Financial Services - Company size: 2-10 employees - Product usage: Used monthly for less than 2 years - Reviewed: December 2024 - Review source details: This review was submitted organically. No incentive was offered 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: 5/5 - Value for money: 1/5 - Customer support: 1/5 - Functionality: 5/5 #### Pros The provide of their service, which they have broken. #### Cons Everything about actually working with them. --- ### Great little system for handling direct debit payments - Overall rating: 5/5 - Reviewer: Jane G. - Verified reviewer: Yes - Industry: Health, Wellness and Fitness - Company size: 2-10 employees - Product usage: Used daily for less than 2 years - Reviewed: April 2022 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. 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: 5/5 - Value for money: 4/5 - Functionality: 5/5 #### 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. --- ### GoCardless for WooCommerce & Xero Payments - Overall rating: 4/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Design - Company size: Self-Employed - Product usage: Used monthly for less than 2 years - Reviewed: April 2022 - Review source details: This review was submitted organically. No incentive was offered 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: 5/5 - Value for money: 5/5 - Functionality: 4/5 #### 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. --- ### Excellent direct debit solution for vendors - Overall rating: 5/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Management Consulting - Company size: 2-10 employees - Product usage: Used weekly for more than 2 years - Reviewed: May 2023 - Review source details: This review was submitted organically. No incentive was offered 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: 5/5 - Value for money: 5/5 - Functionality: 4/5 #### 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. --- ### Gocardless - Be able to add a payment choice for your customers - Overall rating: 5/5 - Reviewer: STANISLAS O. - Verified reviewer: Yes - Industry: Human Resources - Company size: 51-200 employees - Product usage: Used weekly for more than 2 years - Reviewed: January 2024 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. 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: 5/5 - Value for money: 3/5 - Customer support: 5/5 - Functionality: 5/5 #### 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. --- ### Great for recurring payments - Overall rating: 5/5 - Reviewer: Ben H. - Verified reviewer: Yes - Industry: Design - Company size: 2-10 employees - Product usage: Used monthly for more than 2 years - Reviewed: February 2023 - Review source details: This review was submitted organically. No incentive was offered 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: 4/5 - Functionality: 4/5 #### 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. --- ### Great Software to Save on Merchant Fees - Overall rating: 4/5 - Reviewer: Bill B. - Verified reviewer: Yes - Industry: Marketing and Advertising - Company size: 2-10 employees - Product usage: Used monthly for less than 6 months - Reviewed: August 2021 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. So far so good, it's been very helpful in saving money in the business. #### Ratings breakdown - Ease of use: 4/5 - Customer support: 4/5 - Functionality: 4/5 #### 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. --- ### Good value easy to use Direct Debit software - Overall rating: 5/5 - Reviewer: John J. - Verified reviewer: Yes - Industry: Accounting - Company size: 2-10 employees - Product usage: Used daily for more than 2 years - Reviewed: September 2022 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. The automated collection of payments has streamlined the accounts and credit control function #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros This was easy to set up and integrate with Xero and has worked well #### Cons For the client it would be good to make it clearer what each payment was for - our old system made our name clear and the reference but some clients seem to get confused with GoCardless - minor issue --- ### A great option for a small business to take monthly payments - Overall rating: 5/5 - Reviewer: Jake M. - Verified reviewer: Yes - Industry: Health, Wellness and Fitness - Company size: 2-10 employees - Product usage: Used monthly for more than 2 years - Reviewed: April 2025 - Review source details: This review was submitted organically. No incentive was offered Great, not had any issues with them since using them for over 2 years. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 4/5 - Customer support: 3/5 - Functionality: 5/5 #### 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. --- ### GoCardless - Direct Debits - Overall rating: 4/5 - Reviewer: Joseph C. - Verified reviewer: Yes - Industry: Financial Services - Company size: 2-10 employees - Product usage: Used weekly for less than 12 months - Reviewed: December 2024 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. Go Cardless were very hard to deal with, especially when we set up a dedicated truct account to recieve inbound payments. It was very hard to get GoCardless to recognise this account, even though it was specifically just for payments that were to be made via Go Cardless. #### Ratings breakdown - Ease of use: 4/5 - Value for money: 2/5 - Customer support: 2/5 - Functionality: 4/5 #### Pros It provided a solution that allowed our customers to authorise Direct Debit payments for recurring payment amounts. #### Cons We are based in NZ and it was very hard to contact them. We stopped using GoCardless because the fees were to expensive for low value payments. It is actually possible to direct debit money from a persons account without obtaining their permission. --- ### Reliable and cheaper alternative to credit card payments - Overall rating: 5/5 - Reviewer: Mark d. - Verified reviewer: Yes - Industry: Computer Software - Company size: 11-50 employees - Product usage: Used weekly for less than 2 years - Reviewed: November 2024 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. Good, it just works and you can rely on it. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros So much cheaper than credit card payments. #### Cons I would like to integrate it more with my financial system. --- ### Go Cardless - A fantastic solution - Overall rating: 5/5 - Reviewer: Elliot C. - Verified reviewer: Yes - Industry: Accounting - Company size: 11-50 employees - Product usage: Used daily for more than 2 years - Reviewed: July 2023 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. Game changing! This has made our debt collection process so much more efficient and so easy to rectify any payment issues. We no longer have issues of overpaid or underpaid amounts as this collects as necessary on invoice due dates.. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros We are able to receive payments via DD which means monthly invoices are settled on time every time. The integration with Xero has removed so much of the manual input when reconciling the debtors accounts. #### Cons Nothing to report, I think the software is fantastic --- ### Excellent way of getting paid quickly by direct debit - Overall rating: 5/5 - Reviewer: Daniel J. - Verified reviewer: Yes - Industry: Accounting - Company size: 2-10 employees - Product usage: Used weekly for more than 2 years - Reviewed: October 2022 - Review source details: This review was submitted organically. No incentive was offered Excellent experience overall, highly recommended. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros It was very easy to set up and integrate with QuickBooks and Xero. It collects payments for us successfully for many years. It does automatically try to collect failed payments without extra charges for that. Price wise it is a better solution than e.g. Stripe or PayPal, expecially for higher amounts, as the fee is capped in GoCardless. #### Cons There was quite a substantial price increase some time ago, but still, it is very cost-effective. The money could have arrive in our bank account quicker. #### Reasons for choosing GoCardless The seamless setup and integration with QuickBooks and low fees. --- ### GoCardless Is an Incredible Payment Processing Solution - Overall rating: 5/5 - Reviewer: Clinton A. - Verified reviewer: Yes - Industry: Machinery - Company size: 1001-5000 employees - Product usage: Used daily for less than 2 years - Reviewed: April 2024 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros GoCardless has been a reliable and easy to use payment processing software. I like the efficiency of GoCardless. #### Cons GoCardless makes work easier for us. I like the flawlessness of GoCardless. --- ### Monthly subscription - Overall rating: 5/5 - Reviewer: Sophie D. - Verified reviewer: Yes - Industry: Health, Wellness and Fitness - Company size: 2-10 employees - Product usage: Used daily for less than 12 months - Reviewed: November 2022 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. Easy to use and simple to integrate into software. Competitive rates with other similar providers. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 4/5 - Customer support: 4/5 - Functionality: 4/5 #### Pros Integrates well with my membership platform TeamUp. Takes monthly and one time payments, shows payments taken and processed and invoices to both parties #### Cons So far it does what I need. The only thing I struggled to find was overall monthly intake. While I get an email each month it would be good to get a projected on the dashboard. #### Reasons for choosing GoCardless Percentage cost was less --- ### Thank yourself later - Overall rating: 4/5 - Reviewer: Andrew T. - Verified reviewer: Yes - Industry: Performing Arts - Company size: 2-10 employees - Product usage: Used monthly for less than 2 years - Reviewed: January 2023 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. Excellent. Talk about it to anyone I know who’s got it setting up their own venture. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Never having to worry, plan or stress about monthly fees or subscriptions. Once customers are set up on a direct debit your whole business Is far more efficient. #### Cons On the very odd occasion we’ve had a customers DD’s taken twice for the same month. Fair play to the team though, it’s back with the customer typically within 24-48 hours. --- ### GoCardless is a good payment system for direct debits. - Overall rating: 4/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Education Management - Company size: 11-50 employees - Product usage: Used daily for less than 12 months - Reviewed: April 2019 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. My overall experience with GoCardless has been very good, once you setup your payments and know what you're doing, you can pretty much leave it and it will do most of the work for you. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 4/5 #### Pros -Easy to use -Very cheap -Rarely any technical issues -Never experienced downtime -Good customer support -Links with Quickbooks #### Cons The only con i'd have for GoCardless is that a few of my customers mandates didn't go through properly although they were completed all fine. This meant they had to catch up on the payments they missed however this was a very minor problem. --- ### Robbed by GoCardless - Overall rating: 1/5 - Reviewer: Mark P. - Verified reviewer: Yes - Industry: Construction - Company size: 2-10 employees - Product usage: Used daily for less than 6 months - Reviewed: December 2023 - Review source details: This review was submitted organically. No incentive was offered Nightmare! Stay away if you are in the USA. #### Ratings breakdown - Ease of use: 1/5 - Value for money: 1/5 - Customer support: 1/5 - Functionality: 1/5 #### Pros Nice looking website but they have horrible customer service and cancel your account after collecting money for you and won’t give it to you or give it back! #### Cons They reverse their “verification”of your account after you collect a payment. They won’t say why. They won’t talk to you. They have horrible customer service and cancel your account after collecting money for you and won’t give it to you or give it back! --- ### The best EFT Option via API - Overall rating: 5/5 - Reviewer: Joseph L. - Verified reviewer: Yes - Industry: Information Technology and Services - Company size: 11-50 employees - Product usage: Used daily for less than 6 months - Reviewed: November 2019 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. Overall, our experience with GoCardless has been fantastic. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 4/5 - Functionality: 3/5 #### Pros Offers an amazing, simple API to hook into for electronic transactions via EFT/ACH. Really fast setup and seamless documentation. #### Cons I would have liked to use GoCardless as a one stop shop: i.e. having both Direct Debit and Credit Card functionality. Right now, with the lack of credit card access, we're forced to segment our payments APIs to different providers. --- ### GoCardless Review - Overall rating: 5/5 - Reviewer: Sarah M. - Verified reviewer: Yes - Industry: Telecommunications - Company size: 11-50 employees - Product usage: Used monthly for more than 2 years - Reviewed: April 2023 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. Overall, I’ve enjoyed using GoCardless and it has made my job easier. #### Ratings breakdown - Ease of use: 4/5 - Customer support: 3/5 - Functionality: 4/5 #### Pros Quickly and easily collect invoices through the click of a button. Similar when setting up direct debit mandates - all very quick and simple. #### Cons I would prefer the filtering options to be a bit better. Doing high volume collections (which need to be done manually rather than set to collect on due date) can be frustrating having to collect in stages and then having to scroll through to the next batch --- ### The release from having reliable cashflow - Overall rating: 5/5 - Reviewer: Simon L. - Verified reviewer: Yes - Industry: Information Technology and Services - Company size: Self-Employed - Product usage: Used monthly for more than 2 years - Reviewed: November 2022 - Review source details: This review was submitted organically. No incentive was offered We love GoCardless, never a problem, always works. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Functionality: 5/5 #### Pros It just works, no stress, no bother. Payments are collected and processed automatically giving a dependable reliable cashflow with minimal administration. #### Cons As we don't use the branded option sometimes customers do not recognise the initial invitation to sign up the Direct debit as being from us. --- ### Great for Gaining payment on time - Overall rating: 5/5 - Reviewer: Robert H. - Industry: Education Management - Company size: 2-10 employees - Product usage: Used daily for less than 12 months - Reviewed: October 2018 - Review source details: This review was submitted organically. No incentive was offered Great experience I love using it. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I Love using this software, as I struggled getting my clients to pay their invoices on time, now I get them to sign up to this, allowing me to take a Monthly or a weekly direct debit. #### Cons Slightly time consuming to use, having to manly enter details on to the system each month. --- ### Direct Debits made easy - Overall rating: 5/5 - Reviewer: Karina H. - Verified reviewer: Yes - Industry: Education Management - Company size: 2-10 employees - Product usage: Used weekly for less than 6 months - Reviewed: February 2023 - Review source details: This review was submitted organically. No incentive was offered This has allowed us to improve customer drop off and reduce our transaction costs. Win, win! #### Ratings breakdown - Ease of use: 3/5 - Customer support: 3/5 - Functionality: 5/5 #### Pros Using direct debit instead of recurring credit card charges makes you look more professional, is cheaper, and has less customer drop off. The control panel is pretty easy to use too! #### Cons It's not super easy for my customers to self administer their account. #### Reasons for switching to GoCardless cost ## More reviews [Next reviews](https://www.softwareadvice.com/accounting/gocardless-profile/reviews/?page=2) --- GoCardless Reviews, Pros and Cons - 2026 Software Advice