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GoCardless vs Melio

Updated January 19, 2026

GoCardless vs Melio: Which is best for you?

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1 million+ businesses helped
2 million+ verified software reviews
Starting Price
£50.00

per month

$25.00

per month

Free Trial
Free Version
Screenshots
and Demo
Product Screenshot
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Product Screenshot
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Top Rated
  Features
Data Security
4.54
Transaction History
4.50
Recurring/Subscription Billing
4.36
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For Small Businesses
4.86
Dashboard
4.80
PCI Compliance
4.71
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Integrations
Xero
Xero
QuickBooks Online Advanced
QuickBooks Online Advanced
Sage CRM
Sage CRM
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QuickBooks Online Advanced
QuickBooks Online Advanced
FreshBooks
FreshBooks
QuickBooks Desktop
QuickBooks Desktop
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Pros / Cons
  • 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.
  • 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.
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  • For my type of business, where I work with different service providers and need quick, reliable payments, Melio has been a great tool.
  • more than once I didn't ACTUALLY send a payment that I thought I did, because their process involves several steps of confirmation and the last step looks like a confirmation page... but you have to actually scroll down to the bottom of the page and approve the payment one more time, before it will be sent. And the page is formatted just long enough that the button is not visible on a regularly sized browser screen, you have to scroll down to see it).
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Ease-of-Use
4/ 5
Highest performing feature
in the comparison
4.3/ 5
Value for Money
3.8/ 5
Highest performing feature
in the comparison
4.3/ 5
Customer Support
3.4/ 5
Highest performing feature
in the comparison
4/ 5
Functionality
4/ 5
Highest performing feature
in the comparison
4.1/ 5
Support Options
Email/Help Desk
FAQs/Forum
Knowledge Base
Phone Support
24/7 (Live Rep)
Chat
Email/Help Desk
FAQs/Forum
Knowledge Base
Phone Support
24/7 (Live Rep)
Chat
Training Options
In Person
Live Online
Webinars
Documentation
Videos
In Person
Live Online
Webinars
Documentation
Videos
FrontRunners
FrontRunners 2025
FrontRunners 2026
Advisor
  Recommendations
N/A
N/A
Ideal Customer Size
Small
Medium
Large
Small
Medium
Large
Deployment Options
Cloud, SaaS, Web-Based
Desktop - Mac
Desktop - Windows
Desktop - Linux
Desktop - Chromebook
On-Premise - Windows
On-Premise - Linux
Mobile - Android
Mobile - iPhone
Mobile - iPad
Cloud, SaaS, Web-Based
Desktop - Mac
Desktop - Windows
Desktop - Linux
Desktop - Chromebook
On-Premise - Windows
On-Premise - Linux
Mobile - Android
Mobile - iPhone
Mobile - iPad