GoCardless
Cloud-based direct bank payment platform for recurring billing, invoices, and one-off collections.
- EU-owned
GoCardless is a UK-based SaaS payment processing platform that enables businesses to collect payments directly from customer bank accounts via Direct Debit, one-off instant payments, and installments. It serves 100,000+ businesses globally from SMEs to enterprises, offering lower fees than card payments and automated payment recovery features.
GoCardless is a UK-based SaaS payment processing platform that enables businesses to collect payments directly from customer bank accounts via Direct Debit, one-off instant payments, and installments. It serves 100,000+ businesses globally from SMEs to enterprises, offering lower fees than card payments and automated payment recovery features.
Highlights
- ✓Lower transaction costs than card payments (1-1.4% + 20p vs typical 2-3% card fees)
- ✓Automated recovery of failed payments with Success+ achieving up to 70% recovery rate
- ✓Integrates with 350+ business systems including accounting software (Xero, QuickBooks)
- ✓Supports payments from 30+ countries with built-in FX services and no setup fees
- Data location
- Unknown
- Pricing
- Paid
- EU-owned
- Yes
- Self-hostable
- No
Good for
- SaaS companies and subscription services automating recurring Direct Debit collections to reduce admin overhead and late payment chasing
- Service-based businesses collecting one-off invoice payments directly from customer bank accounts at lower cost than card processors
- B2B platforms offering installment payment options to customers, splitting costs into manageable monthly payments
A European alternative to
Frequently asked questions
- Is GoCardless EU-owned and GDPR-native?
- GoCardless — European-owned: Yes; GDPR-native: No; self-hostable: No; data stored in: Unknown.
- How much does GoCardless cost?
- Pricing model: Paid. Check GoCardless's own site for current plans and numbers.
- What are European alternatives to GoCardless?
- Compare GDPR-native European alternatives to GoCardless — where each one is built, owned and hosted.
More European tools
- AlgunaUnified monetization engine consolidating pricing, billing, and revenue operations for modern SaaS and FinTech.
- BrightPayCloud payroll software built for UK and Ireland compliance.
- Cezanne HRCloud HR and payroll software that keeps people connected, wherever they work.
- DebtViewCloud-based debt collection software with automated multi-channel customer contact and flexible customization.
- FlexysEnterprise debt collection platform automating workflows to collect more while improving outcomes and reducing risk.
- FreeAgentCloud bookkeeping and accounting software with integrated payroll and direct HMRC tax filing for UK small businesses.