Overview
GoCardless is a London-based provider of bank debit and instant bank payments, founded in 2011. It collects one-off and recurring payments account to account, and is built for subscriptions, memberships and B2B invoices. The company states more than 85,000 customers and integrations with 350+ billing and ERP systems.
Methods - direct debit (Bacs, SEPA, ACH, PAD, BECS): the customer consents once and the merchant pulls payments on schedule; - Instant Bank Pay (open banking): a one-off payment straight from the customer's bank, without a card.
Success+ AI retry and Protect+ fraud tools are listed.
Coverage More than 30 countries, including the United Kingdom, the EU, the United States, Canada, Australia and New Zealand. Target verticals are SaaS, utilities, financial services, B2B and memberships.
UK pricing - Standard: 1% + GBP 0.20; - Advanced: 1.25% + GBP 0.20; - Pro: 1.4% + GBP 0.20.
Fee caps apply, and international payments and other countries have their own terms. Enterprise pricing is separate.
For partners The programme targets software platforms and integrators: a partner embeds bank payments into its product and earns revenue on successful transactions, with a listing in the partner directory and a dedicated manager.
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