--- title: "GoCardless Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is GoCardless the right Recurring Billing solution for you? Explore 87 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 (87) [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 3.5 ## 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 87 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 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 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 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 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 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 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 TS Tracy S. Insurance agent Insurance Used the software for: Less than 6 months ### "GoCardless" September 2, 2025 5.0 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 KM Katie M. Head of School Education Management Used the software for: 6-12 months ### "Minimal Transaction Fees for Reliable Payment Processing" September 30, 2024 5.0 Pros The minimal transaction fees. This was the only way we were able to afford to start accepting online payments for tuition/fees right off the bat. Cons Some of the banking terminology is perhaps unique to Britain, or at least very different from what's commonly used in the U.S., so there's a small learning curve to figuring out how transactions are processing. Review Source RS Rod S. Case Manager Legal Services Used the software for: 1-2 years ### "Excellent Product " September 17, 2024 5.0 Excellent system for regular payments to one supplier. Pros Simplicity and straightforward notification before and after payments. Cons Many emails generated for one transaction but it is required. Review Source HH Helen H. Head of Theatre Performing Arts Used the software for: 6-12 months ### "GoCardless " January 9, 2024 5.0 My overall experience with GoCardless is incredibly positive and I would definately recommend anyone using this to make their life easier collecting payments from customers. Pros I'm really impressed at how GoCardless has enabled me to seamlessly take payments automatically from my customers, cutting down on my admin time. Cons There isn't really anything about it that i don't like. Review Source AW Amanda W. Office Manager Information Technology and Services Used the software for: 2+ years ### "GoCardless Makes Life Easier" April 21, 2023 5.0 We have been able to encourage more of our clients to sign up to this payment system as it is easy and straightforward for them to manage. It has lessened the admin for both us and them. Pros The integration of Sage with this payment system is paramount to our business. Clients are encouraged to sign up to this which enables us to manage our cash flow more effectrively. Cons To date I have not come across any features that I have not liked or used. Review Source KS Karen S. Finance Officer Food & Beverages Used the software for: 2+ years ### "Food Connects Inc." July 11, 2023 5.0 Love it for the most part. Pros The Ease of use and Reporting is exceptional. Cons It looked at the balance due to early and did not consider credits applied. Reason for choosing GoCardless Highly recommended by Xero, and the representative I spoke to was extremely knowledgeable. Review Source ME Mbiuki E. Procurement Officer Transportation/Trucking/Railroad Used the software for: 1-2 years ### "GoCardless: A Great and Must-Have Payment Management and Processing Solution" April 30, 2024 5.0 Pros GoCardless has been an amazing tool that makes payment processing smooth. It is accurate to use and reliable. Cons GoCardless is so amazing. I haven't experienced issues with GoCardless. Review Source VR Verified Reviewer Designer Design Used the software for: 6-12 months ### "A good start in the subscription business" May 30, 2021 5.0 Pros I use GOCARDLESS to process my clients' monthly subscriptions. Through the SEPA direct debit mandate (EU), the fees can be collected automatically and fully automated from the account. The payment is made a few days later minus a fee, which in my opinion is very low. The UI is very modern and makes it easy to use. With the various integrations GOCARDLESS can be integrated into existing systems or via API/Webhook into own software. Setting up a direct debit mandate is very easy for the end user, as this is done entirely online with a link provided beforehand. Cons I would like to see more customization options in the free plan. Some of my customers are confused (even if I explain it to them before) because GOCARDLESS always appears on the debits instead of my company's name. Also, filling out a direct debit mandate on paper is only available in the paid version, but I think this is an important option and should therefore be available to all users. There are many users who are skeptical about being able to grant a direct debit mandate online without a signature. A mobile app would be very desirable, as the website is not mobile-optimized and I would like to be able to access the data on the go. Review Source SK Sonya K. Office Manager Accounting Used the software for: 6-12 months ### "A bit clunky" May 5, 2022 3.0 It suited our purposes but tracking payments was not easy. Also help desk not always that helpful. Pros GoCardless has a higher than average monthly recurring which is good if you have large recurring invoices. Other similar products have limits which do not always fit in when you have clients who have higher monthly fees. Cons It was very clunky and difficult to follow the payments. Very confusing. Reason for choosing GoCardless The higher monthly recurring debit limit Review Source VR Verified Reviewer Manager Information Technology and Services Used the software for: 2+ years ### "Cardless payment with amazing possibility" May 31, 2022 4.0 Can be improved greatly Pros It reduced the stress and issues encountered in Card payment processing. Cons Pricing with premium privileges are a bit on the high side. Review Source VR Verified Reviewer Owner Computer Software Used the software for: Less than 6 months ### "Not really international " August 30, 2022 1.0 They operate on a European business day, so that makes customer service a pain. Deciding on GoCardless was a huge mistake. Pros The "receive" payments very well and setting up your customers payments to be processed by GoCardless is fairly easy. Cons It is all but impossible to get your money once GoCardless has processed the payment. Your bank had better be part of the European Union. American banks don't have the "right" documents and they "hold" your money until they believe that your American Bank exists. They are not truly ready for international operations as of 8/20/2022. Review Source SL Simon L. Director Information Technology and Services Used the software for: 2+ years ### "The release from having reliable cashflow" November 12, 2022 5.0 We love GoCardless, never a problem, always works. Pros It just works, no stress, no bother. Payments are collected and processed automatically giving a dependable reliable cashflow with minimal administration. Cons As we don't use the branded option sometimes customers do not recognise the initial invitation to sign up the Direct debit as being from us. Review Source RH Robert H. Managing Director Education Management Used the software for: 6-12 months ### "Great for Gaining payment on time" October 2, 2018 5.0 Great experience I love using it. Pros I Love using this software, as I struggled getting my clients to pay their invoices on time, now I get them to sign up to this, allowing me to take a Monthly or a weekly direct debit. Cons Slightly time consuming to use, having to manly enter details on to the system each month. Review Source KH Karina H. Teacher Education Management Used the software for: Less than 6 months ### "Direct Debits made easy" February 23, 2023 5.0 This has allowed us to improve customer drop off and reduce our transaction costs. Win, win! Pros Using direct debit instead of recurring credit card charges makes you look more professional, is cheaper, and has less customer drop off. The control panel is pretty easy to use too! Cons It's not super easy for my customers to self administer their account. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) cost 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.