# Page 2 | GoCardless Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 2 - 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 April 21st, 2026 # Page 2 - Reviews of GoCardless ## Showing most helpful reviews Showing 26-50 of 86 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use SR Simon R. CEO Computer Software Used the software for: 1-2 years ### "Gocardless" April 24, 2025 4.0 Très satisfait, c'est un outil que j'utilise au quotidien et qui m'apporte un service apprécié Pros Super simple d'utilisation et intégré avec mon CRM, je gère les paiement ponctuels et récurrents en quelques clics Cons La recherche de client est très fastidieuse, je n'ai pas trouvé de barre de recherche par nom Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing GoCardless Plus simple à utiliser et meilleure intégration avec mon CRM 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 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 SD Salvador D. diercteur Management Consulting Used the software for: Less than 6 months ### "ATTENTION ESCROQUERIE" November 8, 2024 1.0 Client ou victime chez eux depuis très peu. Après avoir prélevé les sommes chez nos clients, notre compte a été désactivé. Aucun paiement sur notre compte, aucun remboursement aux clients. Je leur ai écrit plusieurs mails tous sans réponse Un dépôt de plainte est en cours à leur encontre pour escroquerie et visiblement ce n'est pas la seule plainte. Pros aucun c'est une escroquerie, prélève l'argent sur les comptes des clients puis deviennent injoingnable Cons après avoir prélevé les sommes de nos clients. Aucun paiement sur notre compte, aucun remboursement aux clients. Aucun moyen de les joindre. 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 MD Mark D. CEO Computer Software Used the software for: 1-2 years ### "Reliable and cheaper alternative to credit card payments " November 10, 2024 5.0 Good, it just works and you can rely on it. Pros So much cheaper than credit card payments. Cons I would like to integrate it more with my financial system. Review Source DS Dustin S. CEO Financial Services Used the software for: 1-2 years ### "NEVER Use This Service - They are the WORST!" December 4, 2024 1.0 I HATE this business!! They are the absolute worst. They allow you accept payments from customers, and THEN they suspend your account. The "Account Review" team can ONLY be reached by email and then NEVER respond. They have over $40,000 of my funds and have holding my account hostage for over two weeks and counting... Pros The provide of their service, which they have broken. Cons Everything about actually working with them. 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 SN Sohrab N. Director Information Services Used the software for: 6-12 months ### "Warning - DO Not USE GoCardless with Xero. Userless Software,and they block your account immediately" October 1, 2021 1.0 total SCAM Pros SCAM - total fake and useless software as they s Cons You should first verify customer, and accept applications before offering service and half way then deactivate our accounts. SCAM , shame on your GoCardless.. I hope our invoice gets heard by your team and hopefully you change your processes. Reason for choosing GoCardless Xero has no alternative, so in discussion to either offer alternative or take them both to dispute. We will write our feedbacks to lawyers for feedback Review Source LG Luigi G. Imprenditore Public Relations and Communications Used the software for: 6-12 months ### "Incasso ssd facile" February 23, 2023 3.0 Tuto sommato buona. Ma l'assistenza lascia molto a desiderare. Pros È una delle poche piattaforme a offrire l'incasso degli addebiti diretti. Credo sia il suo più grande pregio. Cons Il processo di registrazione è lento e macchinoso e non è detto che ti approvino in poco tempo. Decisamente da rivedere tutto l'onboarding. Reason for choosing GoCardless Per la gestione degli addebiti SEPA Review Source JG Jane G. Founder Health, Wellness and Fitness Used the software for: 1-2 years ### "Great little system for handling direct debit payments" April 23, 2022 5.0 The big benefit is that it just deals with all the payments behind the scenes and saves me so much time. I only have to get involved on the rare occasions that a payment fails or something unusual occurs, and then it flags this up for me. Pros It’s really easy to setup, and it’s really easy for my customers to setup their payments, even though many of them are not very IT savvy. I love that this software just gets on with the job of dealing with my customer payments and I rarely have to get involved! Cons The only thing I noticed it was missing was the ability to take payment in all currencies. We have used it for sterling, euro and Australian dollar payments. We would have used it for Japanese yen too had the facility been there. Alternatives considered [Worldpay for Enterprise](https://www.capterra.com/p/165694/Virtual-Terminal/)[Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing GoCardless GoCardless was far simpler to setup, less expensive and it matched our business processes best. It also integrates with our main business system, TeamUp. 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 Owner Design Used the software for: 1-2 years ### "GoCardless for WooCommerce & Xero Payments" April 22, 2022 4.0 Overall, I am happy with GoCardless. At first I just offered it on my Xero invoices, but since moving my invoicing and subscriptions to WooCommerce, I have implemented it on there too. I found my Xero connection wouldn't stay connected after I had it linked to WooCommerce though - not sure if thats a fault, or intentional. Pros I now offer GoCardless as an alternative to Stripe for my website recurring payments (subscriptions). Many clients prefer paying from their bank account over a credit card, and I am happy to have an auto billing option that provides that service to them. Cons It seems to take a while for payments to clear in my account. Just be mindful of this before implementing - if you thought Stripe was slow, GoCardless is slower. Factor that into your decision. Alternatives considered [MYFUNDBOX](https://www.capterra.com/p/194113/MYFUNDBOX/)[Billforward](https://www.capterra.com/p/196970/Billforward/)[Chargebee](https://www.capterra.com/p/131433/Chargebee/) Reason for choosing GoCardless Chargebee had high fees, and I tried both Billforward.io & My Fund Box but wasn't a fan of their interface or general settings, especially in relation to Australian GST requirements (tax invoices) and integrations, etc. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/)[Stripe](https://www.capterra.com/p/123889/Stripe/) The reduced fees in comparison to PayPal and even Stripe has been a welcome change though, and although it takes a while to get the cash in my bank account, for the reduced cost to accept payments this way, I am happy and will continue to use GoCardless. 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 General Manager Management Consulting Used the software for: 2+ years ### "Excellent direct debit solution for vendors" May 28, 2023 5.0 GoCardless is perfect for everybody that wants to start offering direct debit to clients without having to invest vast amounts of money upfront. Pros GoCardless was very simple to setup years ago when we wanted to offer our clients the option to pay via direct debit. Forunately there is a ready made connection to Zoho Books which made the whole setup extremely easy. Cons The fees are a bit higher than competitors, but that's understandable given the fact that there are no setup fees or recurring fees. Alternatives considered [Mollie](https://www.capterra.com/p/195767/Mollie/) Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/)[Unzer](https://www.capterra.com/p/246129/Unzer/) Didn't want to pay every month for a service I don't always use that extensively. Review Source DJ Daniel J. Accountant Accounting Used the software for: 2+ years ### "Excellent way of getting paid quickly by direct debit" October 7, 2022 5.0 Excellent experience overall, highly recommended. Pros It was very easy to set up and integrate with QuickBooks and Xero. It collects payments for us successfully for many years. It does automatically try to collect failed payments without extra charges for that. Price wise it is a better solution than e.g. Stripe or PayPal, expecially for higher amounts, as the fee is capped in GoCardless. Cons There was quite a substantial price increase some time ago, but still, it is very cost-effective. The money could have arrive in our bank account quicker. Reason for choosing GoCardless The seamless setup and integration with QuickBooks and low fees. Review Source John G. Digital Marketing Specialist Health, Wellness and Fitness Used the software for: 2+ years ### "Best Solution On The Market" July 27, 2021 5.0 Ou experience has been very positive. The platform is super easy to use. GoCardless is our main payments gateway and we will be sticking with them. Pros Very easy to get started with GoCardless. And super easy to either add payment requests manually or import them. They are by far the easiest payment solution platform I have come across. Cons The direct debit signup is hosted on their side. With the free tier, you get a link to a dedicated page where customers can submit their details. Recently we have updated our onboarding process and to integrate a seamless customer experience (i.e. the customer not being navigated to a GoCardless page) we need to subscribe to their Pro tier which is very expensive. Very disappointed with this feature not being available to at least the Plus tier. 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 John J. Accountant Accounting Used the software for: 2+ years ### "Good value easy to use Direct Debit software" September 23, 2022 5.0 The automated collection of payments has streamlined the accounts and credit control function Pros This was easy to set up and integrate with Xero and has worked well Cons For the client it would be good to make it clearer what each payment was for - our old system made our name clear and the reference but some clients seem to get confused with GoCardless - minor issue Review Source VR Verified Reviewer Responsable de operaciones Environmental Services Used the software for: 6-12 months ### "Plataforma innovadora para gestión de pagos" August 25, 2023 4.0 Pros Nos ha permitido ahorrar mucho tiempo en las gestiones que realizábamos previamente. Se ha convertido en un proceso más sencillo. Lo hemos probado en una de nuestras sucursales y están muy contentos. Cons Mo hay nada a destacar, se lo hemos implantando y no hemos tenido problemas de momento. Review Source CA Clinton A. Human Resource Manager Machinery Used the software for: 1-2 years ### "GoCardless Is an Incredible Payment Processing Solution" April 29, 2024 5.0 Pros GoCardless has been a reliable and easy to use payment processing software. I like the efficiency of GoCardless. Cons GoCardless makes work easier for us. I like the flawlessness of GoCardless. Review Source SO STANISLAS O. Finance manager Human Resources Used the software for: 2+ years ### "Gocardless - Be able to add a payment choice for your customers" January 2, 2024 5.0 We used Gocardless since 2015, I discovered the product in 2020 and I recommend it because the product is still ramping up, more ergonomic and try to add in France the "instant direct banking" to earn efficacity an security. Pros What I like in Gocardless is his reliability, we connected it to our acconting system, ours emails adress, our software and also at our internal communication. It's posible to deal with our reccuring billing but also one time payments. Success+ is also a good product of Gocardless to which automatically restarts failures. Cons I'm a little bit of disappointed the time to recover the money between the billing and the money in our bank account. It's between 8 and 14 days. Alternatives considered [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/) Reason for choosing GoCardless Their documentation for engineers but also the price and the choice to not be engaged. Review Source Similar Products Featured ## Related categories [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/) ## 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.