GoCardless
Pay per useDirect debit and bank payment platform for collecting recurring payments globally.
What does this tool do?
GoCardless is a specialized payment platform focused on facilitating direct bank-to-bank payments, particularly for recurring billing and invoicing. The platform enables businesses to automatically collect payments via ACH Pull, which eliminates card processing fees and provides a more streamlined payment collection method. By integrating with over 350 accounting and business platforms, GoCardless allows companies to automate payment collection, reduce manual administrative work, and improve cash flow through faster, more secure bank payment processing.
AI analysis from Feb 17, 2026
Key Features
- One-off payment collection
- Recurring billing automation
- Installment payment splitting
- Advanced fraud protection (Protect+ add-on)
- Payment recovery system (Success+ add-on)
- Comprehensive payment status tracking
- Global payment capabilities
Use Cases
- 1Subscription-based businesses collecting recurring monthly fees
- 2Freelancers and service providers managing client invoicing
- 3SaaS companies processing automated software subscription payments
- 4Nonprofits collecting membership or donation payments
- 5Small to enterprise businesses wanting to reduce payment processing costs
Pros & Cons
Advantages
- No card processing fees, reducing overall payment collection expenses
- Automated payment reconciliation with 350+ software integrations
- Faster payment processing (as little as 2 days)
Limitations
- Limited to bank/ACH payments, not supporting credit card transactions
- Requires customers to share bank account details
- Potential complexity for businesses used to traditional payment methods
Pricing Details
Pricing details not publicly available. Requires contacting sales for specific pricing information.
Who is this for?
Small to enterprise businesses across various industries seeking efficient, low-cost recurring payment solutions, particularly those with subscription or invoice-based revenue models