# GoCardless Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is GoCardless the right Recurring Billing solution for you? Explore 86 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/156081/GoCardless/reviews/ --- GoCardless 4 (86) [View alternatives](https://www.capterra.com/p/156081/GoCardless/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated July 21st, 2026 # Reviews of GoCardless Ease of use 4.0 Customer Service 3.4 ## Pros and Cons in Reviews EB Emma B Financial ControllerNon-Profit Organization Management, 51 - 200 employeesUsed the software for: More than 2 years. “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.“ March 9, 2026 Edward K App Integration SpecialistComputer Software, Self-employedUsed the software for: More than 2 years. “This makes development, testing and debugging tiresome.“ October 30, 2025 RO Richard O Founder and DirectorComputer Software, 2 - 10 employeesUsed the software for: 1-2 years. “It is seamlessly integrated with Quickbooks to automate customer payments every month“ November 4, 2025 JC Joseph C Operations ManagerFinancial Services, 2 - 10 employeesUsed the software for: 6-12 months. “We stopped using GoCardless because the fees were to expensive for low value payments.“ December 27, 2024 TR Tamara R IT and AMS AssistantNon-Profit Organization Management, 11 - 50 employeesUsed the software for: 6-12 months. “It seems quite seamless in it's use of processing direct debits and refunds, especially from how we used to do direct debits.“ July 11, 2025 JM Jim M OwnerComputer Software, Self-employedUsed the software for: Less than 6 months. “Their support is slow, opaque, and unprofessional.“ October 2, 2025 LT Luke T Director and TutorEducation Management, Self-employedUsed the software for: Less than 6 months. “Having the automated payments and being able to take one-off payments using DD is so useful.“ June 9, 2025 JC Joseph C Operations ManagerFinancial Services, 2 - 10 employeesUsed the software for: 6-12 months. “We are based in NZ and it was very hard to contact them.“ December 27, 2024 ## Showing most helpful reviews Showing 1-25 of 86 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Ludovic B. CEO Sports Used the software for: 2+ years ### "Easy way to win time" December 6, 2022 4.0 Great, just for little payments the charges update had changed our way to work with that. For the rest, we love it. Pros with team-up integration i win so much time. recurrent memberships payments.So easy way to develop payment in our boxes. Cons possibility to decrease charges for little payment. 0,20centimes for little payment is so big. in the past we used for so much payment now it's too expensive for little payment. 0,20cent add-on has been living like an horrible news for us.. We need to use stripe now for that. Alternatives considered [BnC (Bank On Cloud)](https://www.capterra.com/p/173583/BnC/)[Zoho CRM](https://www.capterra.com/p/155928/Zoho-CRM/)[Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing GoCardless in the past, little payment great without the 0,20cent add-on and connected with teamup (we use it from 8 years now) Review Source LT Luke T. Director and Tutor Education Management Used the software for: Less than 6 months ### "Excellent payment portal where I don't need to lift a finger" June 9, 2025 5.0 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 RO Richard O. Founder and Director Computer Software Used the software for: 1-2 years ### "Average service at a reasonable price" November 4, 2025 2.0 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 EB Emma B. Financial Controller Non-Profit Organization Management Used the software for: 2+ years ### "A useful platform for collecting payments easily. " March 9, 2026 5.0 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 TS Tom S. Director Information Technology and Services Used the software for: 2+ years ### "Useful for collecting subscription payments from customers" July 25, 2025 4.0 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 JM Jim M. Owner Computer Software Used the software for: Less than 6 months ### "Avoid - Unreliable and Opaque" October 2, 2025 1.0 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/) Reason 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 Edward K. App Integration Specialist Computer Software Used the software for: 2+ years ### "The goto option for Direct Debits. Shame the dev tools are lacking and the pricing is on the high side." October 30, 2025 4.0 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 AS Adewale S. HIO Health, Wellness and Fitness Used the software for: 2+ years ### "Easy to use over the web" January 16, 2026 5.0 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 AS Andreia S. admissions associate Education Management Used the software for: 2+ years ### "Simplifying payments and payment plans." April 30, 2025 5.0 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 TR Tamara R. IT and AMS Assistant Non-Profit Organization Management Used the software for: 6-12 months ### "Good so far! " July 11, 2025 4.0 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 JM Jake M. Director of Operations Health, Wellness and Fitness Used the software for: 2+ years ### "A great option for a small business to take monthly payments" April 8, 2025 5.0 Great, not had any issues with them since using them for over 2 years. Pros Makes it easy to remove add members Direct debits details and assess what is coming in. Makes it very clear around how much of a fee Gocardless take too, very transparent Cons We had a switch of business name where communication could have been better but it was thorough which is good. Review Source SP Smit P. Business Analyst Computer Software Used the software for: 6-12 months ### "BA Review of GoCardless" December 13, 2024 4.0 Pros Easy to integrate and good pricing for mobile payment. Cons Although the company has good scalability options, sometimes it doesn’t work properly with high load of payments. Although it is very rare. Review Source CM Carolyne M. Company Director Health, Wellness and Fitness Used the software for: 1-2 years ### "Best Recurring Revenue Software" August 2, 2024 5.0 Seamless. After some admin to set it up to suit my business, it ran on it's own. I never needed to think of it again. Pros Easy to set up, integrated with my website, took payments on time and paid to me on a following date. This solved a major headache for me. Cons I honestly can't think of anything. Any mistakes were on my part and were rectified quickly. Review Source JJ John J. Business Director Information Technology and Services Used the software for: 1-2 years ### "Go Cardless has given my business the tools to be able to exceed customer retention." September 18, 2017 5.0 With passing a substantial amount of money through the Go Cardless system, I find the interest fee is barely noticeable in the overall scheme. I've saved countless man hours in using the system by no longer chasing customers for regular payments and leaving it to Go Cardless to manage that for me. My customers are a lot happier too as they know each payment is taken securely If integrated with the correct Accounting Software, you can also use the same authorization from the customer to take one-off payments meaning that customers with an active authorization don't have to worry about carrying a card or cash, I just hit take payment. Customer-managed payments have never been this easy at such a competitive rate! Pros The ability to take regular payments from a customer in different frequencies sets this company apart from the competition. Previously, I had to send invoices and chase customers for payments. All that is now a thing of the past. I can agree on a date and amount with my customers and let the direct debits sort the rest out. No massive fee's for setting up and once approved by the customer, they sort the rest. The interest on transactions is extremely competitive meaning that I can work out exactly what I will get before I have even begun to discuss dates for taking payments. Go Cardless also ties into my Accounting Software meaning that I can manage my Go Cardless transactions straight from the system meaning that each invoice payment is authorised, managed and cleared at the click of a button. Cons No virtual terminal makes it difficult to take immediate payments over the phone. I would also be better to reduce the time it takes to have the money reach the business account, but it's not necessarily a negative because when you begin to take regular revenue, you barely notice the waiting period. The customer support on setting up was somewhat tricky. After back and forth communication, my very first payment was stuck in the system for a lot longer than expected. This was nearly two years ago so as far as I can hope, the signing up process is a lot more streamlined now. Review Source VR Verified Reviewer CEO Online Media Used the software for: 2+ years ### "THINK VERY CAREFULLY BEFORE YOU USE THIS COMPANY." March 15, 2019 1.0 It recently came to our attention that GoCardless had implemented something on their customer sign-up forms for customers to state that their bank account required multiple signatories. Hundreds of our customers had either mistakenly chosen this option or they had become aware of a loophole with the GoCardless payment system. It transpired that selecting the 'multiple signatory option' meant GoCardless were supposed to request additional information from customers prior to being able to collect payments. However, in our case, GoCardless incorrectly informed us that they were able to take payments even though the customers had not completed the additional process required by GoCardless. Consequently GoCardless kept informing us that payments had been collected when this was not the case. Hundreds of our customers were able to enjoy using our service without paying us anything due to the GoCardless error. The issue caused us a loss of over £22,0000. We brought the flaw to the attention of GoCardless who admitted the issue but have refused to compensate us or apologise for this serious error. Pros I have been using GoCardless for my business since 2012. When we first started using them they were a small start-up and we had remained loyal and supportive of them for over 7 years. Cons Sadly their service today is nothing like it was in the past. Over the years there have been some issues with their service but they had generally been helpful in getting things fixed. However, they service today is absolutely shocking and I would urge anyone considering using the company to be extremely careful. Review Source VR Verified Reviewer Founder Education Management Used the software for: 6-12 months ### "Wouldn't be without it " October 14, 2022 5.0 We formally employed someone to invoice and then chase monies, with this Direct Debit facility we have all our reoccurring payments time after time - furthermore it reconciles in Xero. We have save money through this automation as we only visit the platform when we need to take on new customers. Pros We love the simplicity, we drag & dropped our branding. Set up our currencies GBP, AUD, USD, CAD, EUR and created our invoicing from Xero. Requesting the customer to subscribe is very simple and follows rules from Xero etc. This really is a great product for running Direct Debit Cons Yet to find a fault with this product - it really is a simple & easy product to use. Review Source MM Mark M. Director Non-Profit Organization Management Used the software for: 2+ years ### "Simple, effective and easy to use" August 8, 2023 5.0 Generally hassle free and does all that we need it to do. Pros It is simple to setup and use and integrates easily with so many 3rd party applications. Cons There is nothing particular to dislike about this product Review Source AR Alistair R. Director Computer Software Used the software for: 2+ years ### "Good functionality but very expensive " October 31, 2022 4.0 good software but bitter taste left now that i am locked into a three year contract with really unacceptably high rates Pros integrates well with Xero allowing total flexibility on variable direct debit collections. retry functionality for failed invoices is good although could be improved automations and integrations with the likes of zapier Cons its incredibly expensive - almost 3 times the price of someo others in the market. their claim that this is due to the advanced functions that for us are almost certainly redundant Review Source Alexander H. Director Marketing and Advertising Used the software for: 2+ years ### "Great payment processing with low fees" July 12, 2017 4.0 Cheaper payment processing. Pros Low fees, great interface design, a portal for the customer to signup, easy setup of recurring payments from a client. Cons slow activation time of direct debit mandate. Lack of proper integration with Xero accounting software. Review Source RP Ryan P. Owner Entertainment Used the software for: Less than 6 months ### "Parasite " March 22, 2023 1.0 Absolutely terrible would never recommend them not even to my worst enemy Pros Nothing they’re not worth the hassle they’re just there to steal money Cons The whole process with them as soon as I used their service they took the money from my customer and then deactivated my account Review Source RL Roi L. owner Leisure, Travel & Tourism Used the software for: 2+ years ### "Go Cardless" April 22, 2019 5.0 simple and beneficial to the business Pros easy to use, simple set up and integration to team up Cons nothing that I can think of as its cheap and user friendly Review Source SM Sarah M. Billing Analyst Telecommunications Used the software for: 2+ years ### "GoCardless Review" April 14, 2023 5.0 Overall, I’ve enjoyed using GoCardless and it has made my job easier. Pros Quickly and easily collect invoices through the click of a button. Similar when setting up direct debit mandates - all very quick and simple. Cons I would prefer the filtering options to be a bit better. Doing high volume collections (which need to be done manually rather than set to collect on due date) can be frustrating having to collect in stages and then having to scroll through to the next batch Review Source HS Heather S. Business Owner Health, Wellness and Fitness Used the software for: 2+ years ### "Zero Administration" May 15, 2022 5.0 Pros No monthly administration is involved to collect monthly payments from my clients. I can quickly download a spreadsheet of transactions for my accountant. Easily integrated with my booking software. Cons I can't customise the billing emails sent to my clients. Review Source CW Clare W. Director Health, Wellness and Fitness Used the software for: 1-2 years ### "Good efficient service " April 10, 2022 5.0 Pros It integrates easily with our CRM system Cons It would be good if it retried taking payments automatically a day or two later when payments fail Review Source CH Chris H. Personal trainer Health, Wellness and Fitness Used the software for: Less than 6 months ### "Best I've used" December 2, 2022 5.0 Pros All in one place and links to my booking software Cons Only DD no card payments but still does a good job Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.