How much does GoCardless cost?

GoCardless offers a free plan and paid plans starting from $20/mo for premium plan.

How good is GoCardless?

GoCardless has a Lunoo score of 8.0/10. This score is based on features, user satisfaction, and overall quality.

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GoCardless

8.0

Very Good

Free Plan • From $20/mo for premium plan

update Last updated: Mar 5, 2026

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description GoCardless Overview

GoCardless specializes in recurring bank payments (direct debit) with a focus on B2B subscriptions and invoices. It enables businesses to collect payments directly from customer bank accounts at a lower cost than cards. It targets companies with recurring revenue models, especially in B2B. Fees are typically 1% + $0.30 (capped).

It ranks for its expertise in bank-to-bank payments, offering high success rates for large transactions and lower failure rates than cards. Its integration with major accounting software like Xero makes it ideal for automating invoice collections.

recommend Best for: Ideal for B2B businesses with recurring revenue models looking to collect payments directly from customer bank accounts.

info GoCardless Specifications

Api	Yes, REST API available
Platform	Web and mobile apps
Languages	English, German, French, Spanish
Integrations	ERP systems, accounting software, CRM tools

balance GoCardless Pros & Cons

thumb_up Pros

check Low transaction fees compared to credit cards
check Simplified recurring payment setup for B2B businesses
check Enhanced customer experience with direct bank payments
check Comprehensive fraud protection measures

thumb_down Cons

close Limited international support outside Europe and the UK
close Higher onboarding process complexity
close Less flexible than some card-based solutions
close Dependent on customers maintaining sufficient funds in their accounts

help GoCardless FAQ

What are the transaction fees for GoCardless?

GoCardless offers competitive transaction fees, typically lower than credit cards, but varies based on the country and payment amount.

Is there a free plan available with GoCardless?

Yes, GoCardless offers a freemium model with a free plan for small businesses up to a certain transaction volume.

How does GoCardless handle recurring payments?

GoCardless automates the process of collecting recurring payments from customers' bank accounts, making it easier and more efficient for B2B subscriptions.

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8.0

Very Good

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Why this score

GoCardless scores 8.0/10 due to its low transaction fees, simplified recurring payment setup, and comprehensive fraud protection measures. However, it faces limitations such as higher onboarding complexity and limited international support outside Europe and the UK.

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