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.
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).
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.
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.
Why people leave GoCardless
Dashed reasons are sourced facts; the rest are opinions. Vendors can dispute.
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Ranked alternatives
Ordered by Alt Score. Click any score to see the breakdown.
PayPal's enterprise/developer payment gateway (formerly standalone Braintree).
Feature comparison
How GoCardless compares with its alternatives, feature by feature.
| Payment processors checklist | GoCardless | Stripe | Adyen | Mollie | Square | Checkout.com |
|---|---|---|---|---|---|---|
| Pricing model | ||||||
| Starts at | ||||||
| License | ||||||
| Platforms | ||||||
| Hosted checkout / payment links | ||||||
| Recurring billing & subscriptions | ||||||
| In-person / POS payments | ||||||
| Local payment methods (wallets, bank debit) | ||||||
| Multi-currency settlement | ||||||
| Marketplace / split payments | ||||||
| Built-in fraud & risk tools | ||||||
| Dispute / chargeback management | ||||||
| Sales-tax calculation add-on | ||||||
| PCI DSS Level 1 | ||||||
| Developer API & SDKs | ||||||
| Interchange++ / cost-plus pricing | ||||||
| Instant / fast payouts |
Every fact and feature listed for GoCardless is verified against its own pages. Each alternative is sourced on its own page.
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Platforms Web verified 2026-07-12
set up, pause, edit, schedule or cancel all your payments in your dashboard easily
https://gocardless.com/pricing -
Pricing model Usage-based verified 2026-07-12
1% + 20p per transaction
https://gocardless.com/pricing -
Starts at 1% + GBP 0.20 per transaction verified 2026-07-12
1% + 20p per transaction
https://gocardless.com/pricing -
License Proprietary verified 2026-07-12
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.
https://gocardless.com/legal/general-terms-self-serve-english-law-uk-and-row -
Status active verified 2026-07-12
datePublished":"2025-12-17T17:14:20.503Z""
https://gocardless.com/blog/mtd-for-landlords-compliance-2026 -
Hosted checkout / payment links Yes verified 2026-07-12
Send a payment link. Customer pays from their bank. You get instant confirmation.
https://gocardless.com/solutions/one-off-payments -
Recurring billing & subscriptions Yes verified 2026-07-12
Subscription and memberships Automate recurring billing
https://gocardless.com/solutions/subscription-payments -
In-person / POS payments No verified 2026-07-12
You can collect one-off, regular or variable Direct Debit payments with our simple online tool or the API.
https://gocardless.com/faq/merchants/how-it-works -
Local payment methods (wallets, bank debit) Yes verified 2026-07-12
Flexible Direct Debit setup Let your customers set up Direct Debits online, on paper, or over the phone.
https://gocardless.com/pricing -
Multi-currency settlement Yes verified 2026-07-12
Collect payments from 30+ countries into one bank account, and settle it all in your home currency.
https://gocardless.com/solutions/reduce-international-barriers -
Built-in fraud & risk tools Yes verified 2026-07-12
Discover how GoCardless Protect+ proactively identifies fraudulent payers and prevents fraud, all while protecting the experience of your genuine payers.
https://gocardless.com/solutions/protect-plus -
Dispute / chargeback management No verified 2026-07-12
Dispute resolution takes place outside of the Direct Debit scheme.
https://gocardless.com/faq/merchants/direct-debit -
Developer API & SDKs Yes verified 2026-07-12
GoCardless Ruby GoCardless Python GoCardless Java GoCardless PHP GoCardless .NET GoCardless Node.js GoCardless Go GoCardless Android GoCardless Pro iOS
https://developer.gocardless.com/developer-tools/client-libraries/ -
Interchange++ / cost-plus pricing No verified 2026-07-12
1% + 20p per transaction
https://gocardless.com/pricing -
Instant / fast payouts Yes verified 2026-07-12
Payments land in your account the same day that your customer is charged
https://gocardless.com/solutions/same-day-settlement