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 8.1/10. This score is based on AI-powered analysis of category fit, feature coverage, pricing signals, public reception, and recency.

Where does GoCardless rank on Lunoo?

GoCardless is ranked #13 in Lunoo's Best Payment Processor rankings with a score of 7.7/10.

Is GoCardless worth it in 2026?

GoCardless scores 8.1/10 in the Payment Processor category on Lunoo. Compare it with alternatives to find the best fit for your needs.

What are the best alternatives to GoCardless?

Visit lunoo.com/alternatives/gocardless to see top-ranked competitors with objective AI-powered scores and side-by-side comparisons.

How does GoCardless compare to competitors?

Lunoo provides objective, AI-powered comparisons. Use the comparison tool to see GoCardless side-by-side with any alternative.

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GoCardless

7.68

Good

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Payment Processor B2B Invoicing Direct Debit Recurring Payment Low Fee Bank Payment Subscription

Free Plan • From $20/mo for premium plan

language

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.

insights Ranking position

GoCardless ranks #13 of 29 in the Payment Processor ranking, behind QuickBooks Payments, ahead of Authorize.Net.

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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