Specialist in bank-to-bank payments — direct debit, instant bank pay and recurring collection across UK, EU, US and beyond. GoCardless is headquartered in London, UK.
GoCardless is one of 102 Payment Gateways tools we track and compare on this site. Our editors currently rate it 4.3 out of 5, versus a 4.3/5 average across the category.
GoCardless is rated 4.3/5 by our editors, above the 4.3/5 average across the 102 Payment Gateways tools we track. Pricing starts at Pay-per-transaction — see site on a transaction model, and a free tier is available.
If GoCardless isn't quite the right fit, these are the other Payment Gateways tools we rate highest:
Wise Business Payments (rated 4.7/5) — Wise Business lets companies hold, send and receive money in 40+ currencies at the mid-market exchange rate, with local account details in major currencies — cutting the hidden markups traditional banks charge on international payments. Priced from From 0.41% per transfer, no monthly fee, versus Pay-per-transaction — see site for GoCardless. Rated slightly higher than GoCardless by our editors.
PayPal Braintree (rated 4.4/5) — Full-stack processor from PayPal supporting cards, PayPal, Venmo and local methods with strong marketplace and subscription tooling. Priced from Pay-per-transaction — see site, versus Pay-per-transaction — see site for GoCardless. Rated slightly higher than GoCardless by our editors.
PayMe (HSBC) (rated 4.9/5) — Hong Kong payments app Priced from Variable, versus Pay-per-transaction — see site for GoCardless. Rated slightly higher than GoCardless by our editors.
PayEx (Swedbank) (rated 4.9/5) — Nordic payment gateway Priced from Custom, versus Pay-per-transaction — see site for GoCardless. Rated slightly higher than GoCardless by our editors.
Worldpay (rated 4.9/5) — Global payment processing for enterprise Priced from Custom, versus Pay-per-transaction — see site for GoCardless. Rated slightly higher than GoCardless by our editors.
Square (rated 4.4/5) — Payments plus POS ecosystem for small businesses — online checkout, invoices, terminals and instant onboarding. Priced from Pay-per-transaction — see site, versus Pay-per-transaction — see site for GoCardless. Rated slightly higher than GoCardless by our editors.
Opayo (Elavon) (rated 4.8/5) — UK payment gateway Priced from From £19.90/month, versus Pay-per-transaction — see site for GoCardless. Rated slightly higher than GoCardless by our editors.
Paidy (rated 4.8/5) — Japanese buy now pay later Priced from Variable, versus Pay-per-transaction — see site for GoCardless. Rated slightly higher than GoCardless by our editors.
Authorize.net (rated 4.0/5) — Visa-owned gateway widely used by US SMBs — card processing, e-check, recurring billing and fraud tooling. Priced from See site for pricing, versus Pay-per-transaction — see site for GoCardless. Rated slightly lower than GoCardless by our editors.
PayGate (rated 4.8/5) — SA enterprise payment gateway Priced from Custom, versus Pay-per-transaction — see site for GoCardless. Rated slightly higher than GoCardless by our editors.
Does GoCardless offer a free tier?
GoCardless offers a free tier alongside its paid plans.
How much does GoCardless cost?
Plans start at Pay-per-transaction — see site on a transaction pricing model.
What's a good GoCardless alternative?
For most buyers we'd point first to Wise Business Payments — see the full comparison above for how it stacks up on price and features.
GoCardless is worth considering if you're evaluating Payment Gateways tools. It's one of the higher-rated options we track in this category, so it's a reasonable starting point for a shortlist.Read the pros and cons above, and check the alternatives if you want a wider comparison before deciding.
If you're comparing more than one option in this space, it helps to write down the two or three requirements that actually matter for your team before you start reading reviews, since pricing pages and marketing copy tend to make every tool sound like the right fit on paper. Ask each vendor directly about contract length, cancellation terms, and what happens to your data if you switch providers later, and weigh that alongside the feature comparison above rather than the headline price alone. It's also worth checking recent user discussions on forums or review sites for anything that's changed since a vendor last updated their own marketing pages, since pricing, limits, and supported integrations can shift between major updates. A short trial period, where one is offered, is usually the fastest way to confirm a tool actually fits your workflow before you commit to a longer contract. It's also fine to start with whichever tool has the best free trial or lowest-commitment plan, use it for real work for a week or two, and only then decide whether to negotiate a longer contract — that's usually a better test than anything a comparison page, including this one, can tell you in advance.
