# Alternatives to GoCardless

Bank debit and recurring payment collection

GoCardless ranks #11 of 13 in Payment processors, with an Alt Score of 59. It is proprietary and available on the web. 10 of 13 checklist rows are verified against a public source.

Source: https://altcatalog.com/alternatives/gocardless/
Category: Payment processors

## Overview

- **Who it's for**: Businesses that need to collect recurring or one-off payments directly from customer bank accounts, from small merchants to large enterprises (used by 75,000+ companies).
- **What you get**: Bank-to-bank payment collection via direct debit, covering one-off charges and automated recurring billing for subscriptions, membership fees, and installment plans, without card transaction fees.
- **How it works**: Businesses connect through GoCardless's API or one of 350+ pre-built integrations with billing and accounting platforms, then track payments and customers from a dashboard with automatic reconciliation.

## Profile

- **License**: Proprietary (verified 2026-07-12)
- **Pricing model**: Usage-based (verified 2026-07-12)
- **Starts at**: 1% + GBP 0.20 per transaction (verified 2026-07-12)
- **Platforms**: Web
- **Status**: active (verified 2026-07-12)

## Ranked alternatives

| # | App | Alt Score | Licence | Platforms |
|---|-----|-----------|---------|-----------|
| 1 | [Stripe](https://altcatalog.com/alternatives/stripe.md) | 96 | Proprietary | Web, iOS, Android |
| 2 | [Adyen](https://altcatalog.com/alternatives/adyen.md) | 93 | Proprietary | Web, iOS, Android |
| 3 | [Mollie](https://altcatalog.com/alternatives/mollie.md) | 93 | Proprietary | Web, iOS, Android |
| 4 | [Square](https://altcatalog.com/alternatives/square.md) | 89 | Proprietary | Web, iOS, Android |
| 5 | [Checkout.com](https://altcatalog.com/alternatives/checkout-com.md) | 86 | Proprietary | Web, iOS, Android |
| 6 | [PayPal](https://altcatalog.com/alternatives/paypal.md) | 86 | Proprietary | Web, iOS, Android, Browser extension |
| 7 | [Braintree (PayPal)](https://altcatalog.com/alternatives/braintree.md) | 83 | Proprietary | Web, iOS, Android |
| 8 | [Helcim](https://altcatalog.com/alternatives/helcim.md) | 83 | Proprietary | Web, iOS, Android, Windows |
| 9 | [Razorpay](https://altcatalog.com/alternatives/razorpay.md) | 79 | Proprietary | Web, iOS, Android |
| 10 | [Worldpay](https://altcatalog.com/alternatives/worldpay.md) | 79 | Proprietary | Web, iOS, Android |
| 11 | [Amazon Pay](https://altcatalog.com/alternatives/amazon-pay.md) | 55 | Proprietary | Web |
| 12 | [Authorize.net](https://altcatalog.com/alternatives/authorize-net.md) | 55 | Proprietary | Web, iOS, Android |

Alt Score = Verified coverage (90%) + Visibility (10%). See https://altcatalog.com/how-alt-score-works/

## Feature comparison

Legend: Yes / No / Partial / ? (not verified).

| Payment processors checklist | GoCardless | Stripe | Adyen | Mollie | Square | Checkout.com |
|---|---|---|---|---|---|---|
| Pricing model | Usage-based | Usage-based | Usage-based | Usage-based | Usage-based | Usage-based |
| Starts at | 1% + GBP 0.20 per transaction | 2.9% + $0.30 per transaction | $0.13 + Interchange++ + 0.60% per transaction (cards) | EUR 0.32 per transaction (iDEAL) | 2.9% + $0.30 per transaction | ? |
| License | Proprietary | Proprietary | Proprietary | Proprietary | Proprietary | Proprietary |
| Platforms | Web | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android |
| Hosted checkout / payment links | Yes | Yes | Yes | Yes | Yes | Yes |
| Recurring billing & subscriptions | Yes | Yes | Yes | Yes | Yes | Yes |
| In-person / POS payments | No | Yes | Yes | Yes | Yes | ? |
| Local payment methods (wallets, bank debit) | Yes | Yes | Yes | Yes | Yes | Yes |
| Multi-currency settlement | Yes | Yes | Yes | Yes | No | Yes |
| Marketplace / split payments | ? | Yes | Yes | Yes | Yes | Yes |
| Built-in fraud & risk tools | Yes | Yes | Yes | Yes | Yes | Yes |
| Dispute / chargeback management | No | Yes | Yes | Yes | Yes | Yes |
| Sales-tax calculation add-on | ? | Yes | ? | ? | Yes | ? |
| PCI DSS Level 1 | ? | Yes | Yes | Yes | Yes | Yes |
| Developer API & SDKs | Yes | Yes | Yes | Yes | Yes | Yes |
| Interchange++ / cost-plus pricing | No | Partial | Yes | Yes | Partial | Yes |
| Instant / fast payouts | Yes | Yes | Yes | Yes | Yes | Yes |

## Sources

Sources for GoCardless. Each alternative is sourced on its own page.

- **Platforms**: Web — <https://gocardless.com/pricing> (verified 2026-07-12)
  - Quote: “set up, pause, edit, schedule or cancel all your payments in your dashboard easily”
- **Pricing model**: Usage-based — <https://gocardless.com/pricing> (verified 2026-07-12)
  - Quote: “1% + 20p per transaction”
- **Starts at**: 1% + GBP 0.20 per transaction — <https://gocardless.com/pricing> (verified 2026-07-12)
  - Quote: “1% + 20p per transaction”
- **License**: Proprietary — <https://gocardless.com/legal/general-terms-self-serve-english-law-uk-and-row> (verified 2026-07-12)
  - Quote: “GoCardless grants you a non-exclusive, non-transferable licence to use the API and the API Data for the purpose of accessing the Dashboard and your GoCardless Account and using the Services.”
- **Status**: active — <https://gocardless.com/blog/mtd-for-landlords-compliance-2026> (verified 2026-07-12)
  - Note: datePublished":"2025-12-17T17:14:20.503Z""
- **Hosted checkout / payment links**: Yes — <https://gocardless.com/solutions/one-off-payments> (verified 2026-07-12)
  - Quote: “Send a payment link. Customer pays from their bank. You get instant confirmation.”
- **Recurring billing & subscriptions**: Yes — <https://gocardless.com/solutions/subscription-payments> (verified 2026-07-12)
  - Quote: “Subscription and memberships Automate recurring billing”
- **In-person / POS payments**: No — <https://gocardless.com/faq/merchants/how-it-works> (verified 2026-07-12)
  - Quote: “You can collect one-off, regular or variable Direct Debit payments with our simple online tool or the API.”
- **Local payment methods (wallets, bank debit)**: Yes — <https://gocardless.com/pricing> (verified 2026-07-12)
  - Quote: “Flexible Direct Debit setup Let your customers set up Direct Debits online, on paper, or over the phone.”
- **Multi-currency settlement**: Yes — <https://gocardless.com/solutions/reduce-international-barriers> (verified 2026-07-12)
  - Quote: “Collect payments from 30+ countries into one bank account, and settle it all in your home currency.”
- **Built-in fraud & risk tools**: Yes — <https://gocardless.com/solutions/protect-plus> (verified 2026-07-12)
  - Quote: “Discover how GoCardless Protect+ proactively identifies fraudulent payers and prevents fraud, all while protecting the experience of your genuine payers.”
- **Dispute / chargeback management**: No — <https://gocardless.com/faq/merchants/direct-debit> (verified 2026-07-12)
  - Quote: “Dispute resolution takes place outside of the Direct Debit scheme.”
- **Developer API & SDKs**: Yes — <https://developer.gocardless.com/developer-tools/client-libraries/> (verified 2026-07-12)
  - Quote: “GoCardless Ruby GoCardless Python GoCardless Java GoCardless PHP GoCardless .NET GoCardless Node.js GoCardless Go GoCardless Android GoCardless Pro iOS”
- **Interchange++ / cost-plus pricing**: No — <https://gocardless.com/pricing> (verified 2026-07-12)
  - Quote: “1% + 20p per transaction”
- **Instant / fast payouts**: Yes — <https://gocardless.com/solutions/same-day-settlement> (verified 2026-07-12)
  - Quote: “Payments land in your account the same day that your customer is charged”

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Ranked by verified data, never by who paid. https://altcatalog.com/trust/