# GoCardless Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about GoCardless Software - reviews, pricing plans, popular comparisons to other Recurring Billing products and more. Source: https://www.capterra.com/p/156081/GoCardless --- # GoCardless Software Review 2026: Features, Integrations, Pros & Cons Last updated on June 3, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) GoCardless ## What is GoCardless? Get paid on time, every time. GoCardless is bringing Direct Debit into the digital age, building the best system for taking recurring payments. We enable organisations to take recurring payments however and whenever they want to. We process 3 billion worth of transactions a year for more than 50,000 organisations: from accountancy firms to tech start-ups and global subscription businesses. ## What is GoCardless used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[Recurring Billing](https://www.capterra.com/recurring-billing-software/)[Billing and Invoicing](https://www.capterra.com/billing-and-invoicing-software/) Recognitions Shortlist Top alternative Featured Overall rating Based on 86 user reviews Reviews sentiment Positive 78% Neutral 3% Negative 19% ### Starting price Free trial not available Capterra Shortlist charts the highest-rated and most popular products... - Payment Processing / 2026 - Recurring Billing / 2025 Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for GoCardless?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=http://www.gocardless.com&name=GoCardless) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### GoCardless 4.0 (86) VS. [4.6 (3,346)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.0 (84) Ease Of Use 4.5 (26,400) Value For Money 3.8 (72) Value For Money 4.3 (20,256) Customer Service 3.4 (69) Customer Service 4.2 (20,510) ## GoCardless alternatives [4.1 (129)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Starting price $99.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 77% of reviewers rated it above 4 stars [4.2 (402)](https://www.capterra.com/p/184673/Melio/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 83% of reviewers rated it above 4 stars [4.5 (4,516)](https://www.capterra.com/p/142390/FreshBooks/reviews/) Starting price $21.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 92% of reviewers rated it above 4 stars Highest Rated [4.7 (680)](https://www.capterra.com/p/162588/HoneyBook/reviews/) Starting price $36.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/156081/GoCardless/alternatives/) ## FAQs about GoCardless Overview ### What problems does GoCardless solve? GoCardless solves late invoice payments, manual payment chasing, and time-consuming reconciliation by automating direct debit collections for recurring and one-off billing. Finance teams, accountants, subscription businesses, and small business owners use it to reduce admin, lower transaction costs, improve cash flow visibility, and sync payments with tools like Xero, Sage, and QuickBooks. Answer based on 69 reviews Overview ### Which roles and teams benefit most from GoCardless? GoCardless is most used by business owners, directors, and CEOs who need predictable cash flow and less time spent chasing payments. Finance and accounting teams use it to automate recurring collections, reconciliation, and invoicing, while office and operations managers streamline admin workflows, customer billing, and payment follow-up. Answer based on 84 reviews Overview ### What company size and industries is GoCardless built for? GoCardless is built primarily for small businesses collecting one-off or recurring payments, with 94% of reviewers from small companies. It is used most in Computer Software and Health, Wellness and Fitness, each at 12%, followed by Accounting at 10%, with payment processing as the main use case at 47%. Answer based on 86 reviews Features and Usability ### What are the key features of GoCardless? GoCardless offers core payment features like payment processing, Direct Debit, recurring or subscription billing, and one-off bank payments. Differentiating features include accounting integrations with Xero and QuickBooks, payment reconciliation, failed payment retries, customer signup links, and an API for connecting billing workflows to other systems. Answer based on 69 reviews Integrations ### Which third-party tools and platforms does GoCardless integrate with? GoCardless integrates with Xero, TeamUp, QuickBooks Online Advanced, WooCommerce, WHMCS, Pennylane, Sage 50 Accounting, and catalog-listed tools such as KashFlow, Sage CRM, and Zuora. With over 10 integrations represented here, its connections span accounting, membership management, ecommerce, billing, and CRM workflows. Answer based on 24 reviews Getting Started and Support ### What training and onboarding options does GoCardless offer? GoCardless provides webinars and documentation for training and onboarding. Webinars support guided learning in a live or scheduled format, while documentation gives teams written reference material for self-paced review and step-by-step guidance on product features and setup. Answer based on 1 reviews Getting Started and Support ### What customer support options does GoCardless offer, and how do users rate the experience? GoCardless offers email/help desk, FAQ/forum, knowledge base, phone support, 24/7 live representative support, and chat. User experience with support is mixed: some describe helpful setup assistance and smooth issue resolution, but many report slow responses, repeated back-and-forth, canned replies, and frustrating delays when account or payment problems occur. Answer based on 31 reviews Ease of use ### Is GoCardless easy to use for collecting payments? GoCardless makes payment collection simple for many small businesses, startups, and finance teams with a clean dashboard and low learning curve. It handles recurring direct debit and one-off payments clearly, though some users find payment tracking confusing, testing tools limited, and account support harder to reach when issues arise. Answer based on 25 reviews ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Payment Processing 4.3 (41) 65.85% of 41 reviewers that rated this feature as important or highly important With this capability, you can process payments quickly and automatically, with low fees and easy reconciliation. Users think payment handling is straightforward, integrates well with Xero, and reduces manual effort, but some mention delays or issues with international transfers. Recurring/Subscription Billing 4.4 (34) 55.88% of 34 reviewers that rated this feature as important or highly important GoCardless offers simple recurring billing setup, making it easy for you and your customers to manage monthly payments. Reviewers appreciate seamless integration with tools like Xero and TeamUp, reduced admin work, and clear notifications, though some report occasional integration issues. Online Payments 4.1 (35) 62.86% of 35 reviewers that rated this feature as important or highly important Accept and process online payment transactions Billing & Invoicing 4.0 (25) 44.00% of 25 reviewers that rated this feature as important or highly important Create, manage, and send invoices or bills to customers Electronic Payments 4.2 (23) 65.22% of 23 reviewers that rated this feature as important or highly important Electronically collect payments for goods or services Accounting Integration 4.3 (18) 61.11% of 18 reviewers that rated this feature as important or highly important Integrate with a third-party accounting system GoCardless 23 features Integrate with a third-party accounting system Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges Application programming interface that allows for integration with other systems/databases Create, manage, and send invoices or bills to customers Add customized logos and colors to align with company branding Protect sensitive data for digital privacy Electronically collect payments for goods or services Create invoices from scratch or have recurring invoices Store and view prior invoices for each account/client Manage and handle various international currencies Create, send, and view electronic invoices Accept and process online payment transactions Integration with payment gateways to facilitate online transactions With this capability, you can process payments quickly and automatically, with low fees and easy reconciliation. Users think payment handling is straightforward, integrates well with Xero, and reduces manual effort, but some mention delays or issues with international transfers. Reconcile payments with corresponding invoices or orders for accounting purposes Business model that bills clients an amount based on the project/task/job performed Estimate or forecast of a future scenario based on the study of present trends Generate recurring invoices GoCardless offers simple recurring billing setup, making it easy for you and your customers to manage monthly payments. Reviewers appreciate seamless integration with tools like Xero and TeamUp, reduced admin work, and clear notifications, though some report occasional integration issues. View and track pertinent metrics to find patterns and gain insights from data Search and filter data across systems to locate required information by entering keywords or certain criteria Track the status over time for a request, process, asset, or transaction Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Get Advice We can help you find the software with the features you need. Features 4.0 (84) 4.0 Based on 84 reviews ## Pricing Value for money 3.8 (72) ### Starting price Free trial not available [View all Pricing Plans](https://www.capterra.com/p/156081/GoCardless/pricing/) Value for money 3.8 (72) 3.8 Based on 72 reviews ## Integrations [ Xero](https://www.capterra.com/p/120109/Xero/)[ QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[ Sage CRM](https://www.capterra.com/p/227247/Sage-CRM/)[ Zuora](https://www.capterra.com/p/84232/Z-Billing/) Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 3.4 (69) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 3.4 (69) 3.4 Based on 69 reviews ## User reviews Overall rating 4.0 Based on 86 reviews Filter by rating 5(48) 4(19) 3(3) 2(3) 1(13) Mentioned topic Sorted by most recent EB Emma B. Financial Controller Non-Profit Organization Management ### "A useful platform for collecting payments easily. " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 March 9, 2026 My overall experience with GoCardless is a positive one, it is a useful platform that integrates with our systems and allows for the smooth day-to-day running of our organisation. We therefore have no plans to stop using GoCardless, even after a tech audit. Pros My favourite feature about GoCardless is the easy way you can collect and process payments. It captures all information required for auditing and has the option to process refunds if requested by the customer. GoCardless sends regular emails with pay-out information, including the customer detail breakdown and fee amount deducted to allow for quick reconciliation, and quickly transfers money into our bank account with no issues. GoCardless integrates with both our accounting and fundraising software, ensuring the 2 systems are synced. It has a user-friendly interface and is easy to navigate. It is cloud-based and has two-step authentication. There is no big learning curve to use GoCardless. GoCardless communicates well through regular emails. Cons The thing I like least about GoCardless is the slow customer service for when bugs arise, although I do not need to seek support often, and usually operation is smooth. Fees can also be quite high on small transactions, but all the various payment collection software we use charge fees and are similar. We also pay a monthly charge, which we do not do with our platforms. However, the benefits out-weigh the fees, and we have used GoCardless for many years. The monthly charge allows us to use our custom branding, which is a must for brand awareness. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AS Adewale S. HIO Health, Wellness and Fitness ### "Easy to use over the web" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 8/10 January 16, 2026 Overall, GoCardless has been an excellent platform for international payment. I think the application has really be helpful especially for start-ups. Pros GoCardless is simply amazing. I have used it at several times. I thinks it processes payments well over the web and interoprates well with various applictions Cons GoCardless had been working well for me anytime it's need. Initially, international transaction was hectic but this has be fixed over time. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. RO Richard O. Founder and Director Computer Software ### "Average service at a reasonable price" 2.0 Overall Rating 2.0 2.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 3.0 3.0 Likelihood to Recommend 2/10 November 4, 2025 It has been very up and down. The customer support team are genuinely helpful but it is limitations in the product offering that let them down. Pros The direct debit with Quickbooks, when it works. It is seamlessly integrated with Quickbooks to automate customer payments every month Cons When the direct debit integrated services between Gocardless and Quickbooks doesnt work, which happened for 50% of out customer base and was very hard to restore. Also, Gocardless cant collect payments from Poland where some of our customers are based. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Edward K. App Integration Specialist Computer Software ### "The goto option for Direct Debits. Shame the dev tools are lacking and the pricing is on the high side." 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 3.0 3.0 Customer Service 3.0 3.0 Likelihood to Recommend 6/10 October 30, 2025 Pros Simplicity and focus. While other platforms can get distracted and try to offer everything, GoCardless have focussed on and are a near authority on making Direct Debits available to the masses. Cons The lack of developer tools to simulate events. A sandbox environment is available, but it's not possible to fast forward through time to test payments as they progress from submission to payout. This makes development, testing and debugging tiresome. The pricing is also on the high side. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JM Jim M. Owner Computer Software ### "Avoid - Unreliable and Opaque" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 October 2, 2025 GoCardless wasted weeks of my time and disrupted my business. I was fully verified, then abruptly shut down without appeal or transparency. Meanwhile, Stripe, PayPal, Wells Fargo, and Capital One onboarded me with far less hassle. GoCardless is unreliable, unprofessional, and cannot be trusted as a payment processor. I will be filing complaints with U.S. regulators. Pros Nothing at all. They created problems instead of solving them and added unnecessary delays to my business. I never got any benefit from using this service. Cons Everything. They demanded excessive documents no other U.S. bank or processor required, cited UK and Canadian rules instead of U.S. law, made me get an attorney letter just to approve my account, and then deactivated me two weeks later with no explanation other than “security reasons.” Their support is slow, opaque, and unprofessional. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reasons for choosing GoCardless Went with Stripe, as well, for multi-currency support. Also went with PayPal, who will now be my non-USD processor. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. TS Tracy S. Insurance agent Insurance ### "GoCardless" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 September 2, 2025 Pros I love how it is organized and the different features you can easily use. It’s a very productive and affordable software to use. Cons I have no dislikes on this software. I would recommend this software to others for business and personal use. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. TS Tom S. Director Information Technology and Services ### "Useful for collecting subscription payments from customers" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 9/10 July 25, 2025 Handy platform for ensuring prompt payments from customers - instead of relying on them to make manual payments. Reduces the chances of missed payments. Pros Once a customer is signed up for Direct Debit, it is easy to take payments from them. Subscriptions can be bundled into templates, and changing them is straightforward. Cons Can take a few days from the payment submission date to actually receiving the funds in your account. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. TR Tamara R. IT and AMS Assistant Non-Profit Organization Management ### "Good so far! " 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 July 11, 2025 Our experience with it is going well so far, it seems to work well with imis and it tracks the information without any glitches, so at the moment we have no complaints. Pros It seems quite seamless in it's use of processing direct debits and refunds, especially from how we used to do direct debits. It also seems to work well with iMIS. Cons At the moment we haven't encountered many issues in the 10 months we've been using it, it seems to be quite easy to use and allows us to move towards being paperless. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. LT Luke T. Director and Tutor Education Management ### "Excellent payment portal where I don't need to lift a finger" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 June 9, 2025 Really really pleased with this service. I was debating whether just to control my own payments once the interest free period is over, but the charges are minimal and it's worth the peace of mind and time saving. Pros GoCardless is so easy to use and doesn't over-complicate things by adding unnecessary features or settings. The dashboard is user-friendly and it doesn't take long to get your head around it. Having the automated payments and being able to take one-off payments using DD is so useful. The interest-free period was extremely generous too. Cons I would quite like to have more autonomy on designing how the customer payment request looks/is designed. Getting paid out does take a bit of time, but not terrible. Switched from [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) I wanted direct debit functions and a more streamlined platform. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AS Andreia S. admissions associate Education Management ### "Simplifying payments and payment plans." 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 30, 2025 Super positive, stress free and reliable Pros Intuitive and the fact you can schedule payments Cons It doesn't work for American bank accounts, for instance Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/156081/GoCardless/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Popular comparisons [PayPal vs GoCardless](https://www.capterra.com/compare/156081-207944/GoCardless-vs-PayPal) [Stripe vs GoCardless](https://www.capterra.com/compare/123889-156081/Stripe-vs-GoCardless)