--- title: "GoCardless Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is GoCardless the right Recurring Billing solution for you? Explore 88 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/156081/GoCardless/reviews/" page_type: "reviews" language: "en" --- GoCardless 4 (88) [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 August 26th, 2026 # Reviews of GoCardless Ease of use 4.0 Customer Service 3.5 ## 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 88 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Joy C. Founder Accounting Used the software for: 2+ years ### "GoCardless - Is a Go!" August 28, 2026 5.0 Overall experience is great. I've used GoCardless for years now. I'll review other payment processors, and always decide to stay with GoCardless. Pros Very stable, easy to use, great integration with Xero Accounting. Makes creating recurring monthly invoices through Xero a breeze. Cons The Xero integration is a little tricky when a payment fails. There are a few steps you have to take to fix this within the Xero/GoCardless integration when it happens. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing GoCardless Price, ease of use, easy setup, trusted processor. 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 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 CM Cameron M. Personal trainer Health, Wellness and Fitness Used the software for: 2+ years ### "Overall a great company and very trustworthy" July 31, 2026 5.0 GoCardless has made collecting payments simple and reliable for my business. Setup was quick, payments are automated, and support has been helpful. It saves me time every month and reduces admin work. Pros Customer support has been very helpful throughout. They provided all the information my mortgage lenders needed and helped a lot when I transitioned from St to Ltd. Cons They have been amazing. Could reduce the fees especially for longstanding members who have lots of small transactions. 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 NP Nicolas P. IT Manager Information Technology and Services Used the software for: 2+ years ### "A must have for automated recurring payments" March 9, 2025 5.0 Used in company since several years, all is OK and fees are low for services Pros Good solution for automated recurring payments and instant payment with the last upgrade Cons need to have a more explicit mail when had payment issue Review Source JC Joseph C. Operations Manager Financial Services Used the software for: 6-12 months ### "GoCardless - Direct Debits" December 27, 2024 4.0 Go Cardless were very hard to deal with, especially when we set up a dedicated truct account to recieve inbound payments. It was very hard to get GoCardless to recognise this account, even though it was specifically just for payments that were to be made via Go Cardless. Pros It provided a solution that allowed our customers to authorise Direct Debit payments for recurring payment amounts. Cons We are based in NZ and it was very hard to contact them. We stopped using GoCardless because the fees were to expensive for low value payments. It is actually possible to direct debit money from a persons account without obtaining their permission. Review Source LN Lisa N. Director Accounting Used the software for: 2+ years ### "Time Saver and Really Helped Our Cashflow" October 16, 2023 5.0 It's been an overwhelmingly positive experience. Its helped to automate the invoice billing function, saving time, and costs because I'd say its at least 80% cheaper than the software provider we were using before. Our preferred payment method is BACS or GoCardless. Pros I like having a link that you can send and invite people to sign up which can be customised with your business logo. We use it on all our communications. Before, people had to download a page, print it off, sign it, and scan or post it back... this is all online, its quick and its easy for customers to sign up. Cons Sometimes the Direct Debit collected doesn't automatically allocate itself within our QBO system to the customer who paid... I think its how we set it up (yet some DO match themselves off), so I've got to figure that one out. Review Source EC Elliot C. Director Accounting Used the software for: 2+ years ### "Go Cardless - A fantastic solution" July 21, 2023 5.0 Game changing! This has made our debt collection process so much more efficient and so easy to rectify any payment issues. We no longer have issues of overpaid or underpaid amounts as this collects as necessary on invoice due dates.. Pros We are able to receive payments via DD which means monthly invoices are settled on time every time. The integration with Xero has removed so much of the manual input when reconciling the debtors accounts. Cons Nothing to report, I think the software is fantastic 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 BF Beth F. Owner/President Real Estate Used the software for: Less than 6 months ### "Don't do it! Can't get access to my money" March 27, 2023 1.0 They're customer support is on a UK delay (we're in US). No phone support. Pros Seemed like a great idea - connected via Xero / Accounting software. Huge regrets. They've collected funds via my customer invoices. But are putting me through verification hell. They should NEVER be able to access and hold funds BEFORE they've verified our business. I'm still fighting to get the $6000 they have of ours... Cons Huge regrets. They've collected funds via my customer invoices. But are putting me through verification hell. They should NEVER be able to access and hold funds BEFORE they've verified our business. I'm still fighting to get the $6000 they have of ours...We're cash flow critical small business. There's no support phone number or escalation (at least not in the US). I feel like I've been scammed. Don't recommend. Review Source MP Mark P. President Construction Used the software for: Less than 6 months ### "Robbed by GoCardless" December 20, 2023 1.0 Nightmare! Stay away if you are in the USA. Pros Nice looking website but they have horrible customer service and cancel your account after collecting money for you and won’t give it to you or give it back! Cons They reverse their “verification”of your account after you collect a payment. They won’t say why. They won’t talk to you. They have horrible customer service and cancel your account after collecting money for you and won’t give it to you or give it back! Review Source Joseph L. CPO Information Technology and Services Used the software for: Less than 6 months ### "The best EFT Option via API" November 17, 2019 5.0 Overall, our experience with GoCardless has been fantastic. Pros Offers an amazing, simple API to hook into for electronic transactions via EFT/ACH. Really fast setup and seamless documentation. Cons I would have liked to use GoCardless as a one stop shop: i.e. having both Direct Debit and Credit Card functionality. Right now, with the lack of credit card access, we're forced to segment our payments APIs to different providers. Review Source RW Ryan W. dev Accounting Used the software for: 6-12 months ### "Support is really poor" November 22, 2019 2.0 It seems it is not ready for market or they are really short staffed. Pros I liked that my software made is easy to integrate. Cons The support is shocking. Waited weeks and only received canned, robotic replies. Review Source MC Mark C. Owner/Director Health, Wellness and Fitness Used the software for: 1-2 years ### "GoCardless for easy payment options from customers" April 10, 2022 5.0 Pros Provides easy to set-up and easy to use options for payments from customers, online payments, direct debits and recurring payments. Easy to integrate with finance software. Cons Nothing noticed as missing and easy to integrate with finance software. Review Source SL Stacy L. Owner Accounting Used the software for: 6-12 months ### "Easy and convenient " March 29, 2022 4.0 Pros I like giving the option of clients paying through their bank accounts instead of credit card Cons Fees can be high and it takes quite a bit of time for payment to be released 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.