Link copied to clipboard # GoCardless vs PayPal Payments Comparison - What are their main differences? Share [ Export ](/compare/gocardless/paypal/export.csv) GoCardlessPayPal Payments[+ Add Product](#) Pricing **GoCardless** No pricing available **PayPal Payments** **$0** per month · On Website - Basic **$30** per month · On Website - Custom **$0** per month · On Phone and In Store **Pricing Insights** from reviews Perceived Cost **GoCardless** $$$$$ **PayPal Payments** $$$$$ Average Discount **GoCardless** 10%3% more **PayPal Payments** 7% Uncover valuable pricing insights from real user feedback to improve your shopping experience. See it for free Time to Implement **GoCardless** 6 months Based on 100 responses **PayPal Payments** 6 months Based on 100 responses Return on Investment **GoCardless** 6 months Based on 100 responses **PayPal Payments** 6 months Based on 100 responses ![GoCardless](https://images.g2crowd.com/uploads/product/hd_favicon/f389918c425e74c0dc830a65b379d521/gocardless.svg "GoCardless") ![PayPal Payments](https://images.g2crowd.com/uploads/product/hd_favicon/6257a9c028b45bdc1f1ca9725d6e214c/paypal.png "PayPal Payments") G2 offers free advice on this comparison. Chat with an expert How would you like to receive Software Advice? ![](/assets/advisor_router/laptop_form-f1a7012279826105416befde8d882ffc7589b1f9db09c93a1379d601cafe8e0d.svg) FormAnswer questions at your own pace, no call required. ![](/assets/advisor_router/ai_agent-4d78629a3ba354fed449a65c60df3a6f2eda90fb98411b711df4b25d7be52a38.svg) AI AgentChat live and get a recommendation in minutes. ![](/assets/advisor_router/phone_call_picker-c48821ec36f4182d8ee3e54cfbd3937500eec54d7b7e0cfb80dc80a8a733842f.svg) Phone CallTalk it through live with a software advisor. **Pros & Cons** from reviews **GoCardless** [ Convenience (8) ](https://www.g2.com/products/gocardless/reviews?filters%5Bsentiment_snippet%5D=1704752&qs=pros-and-cons#reviews)[ Ease of Use (8) ](https://www.g2.com/products/gocardless/reviews?filters%5Bsentiment_snippet%5D=1704186&qs=pros-and-cons#reviews)[ Payment Issues (7) ](https://www.g2.com/products/gocardless/reviews?filters%5Bsentiment_snippet%5D=1704333&qs=pros-and-cons#reviews)[ Slow Payments (5) ](https://www.g2.com/products/gocardless/reviews?filters%5Bsentiment_snippet%5D=2195015&qs=pros-and-cons#reviews) **PayPal Payments** [ Ease of Use (474) ](https://www.g2.com/products/paypal/reviews?filters%5Bsentiment_snippet%5D=1566877&qs=pros-and-cons#reviews)[ Easy Payments (326) ](https://www.g2.com/products/paypal/reviews?filters%5Bsentiment_snippet%5D=1565790&qs=pros-and-cons#reviews)[ High Fees (234) ](https://www.g2.com/products/paypal/reviews?filters%5Bsentiment_snippet%5D=1565809&qs=pros-and-cons#reviews)[ Expensive (196) ](https://www.g2.com/products/paypal/reviews?filters%5Bsentiment_snippet%5D=1566931&qs=pros-and-cons#reviews) Integrations **GoCardless** [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_ec33e9d05030dd9c604a8848ebe0a8bb/xero.jpg "Product Avatar Image") Xero ](https://www.g2.com/products/xero/reviews)[ View all ](https://www.g2.com/products/gocardless/integrations) **PayPal Payments** [ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_cacdec8b8edeace9b3c89e0c2cded695/amazon-ec2.jpg "Product Avatar Image") Amazon EC2 ](https://www.g2.com/products/amazon-ec2/reviews)[ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_4b28e3cdd2631bee0e36ddcf3ebd77c3/bigcommerce.png "Product Avatar Image") BigCommerce ](https://www.g2.com/products/bigcommerce/reviews)[ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_b419d879f1565b869e8e240bb8295a67/bill-ap-ar.png "Product Avatar Image") BILL AP/AR ](https://www.g2.com/products/bill-ap-ar/reviews)[ ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_b41806fe6aacdbd8aeb1f6a968be2e12/byju-s.jpg "Product Avatar Image") Byju's ](https://www.g2.com/products/byju-s/reviews)[ View all ](https://www.g2.com/products/paypal/integrations) Screenshots **GoCardless** ![GoCardless screenshot](https://images.g2crowd.com/cdn-cgi/image/width=600,height=600,fit=scale-down,format=auto,onerror=redirect,/https://images.g2crowd.com/uploads/attachment/file/135534/g2-screenshot-step1.png) **PayPal Payments** ![PayPal Payments screenshot](https://images.g2crowd.com/cdn-cgi/image/width=600,height=600,fit=scale-down,format=auto,onerror=redirect,/https://images.g2crowd.com/uploads/attachment/file/36063/uploads_2Fda5e83f2-340f-45db-afdb-e1c6b896adde_2FPaypal_Payments_Screen_Shot_.png) **Ratings** from reviews Meets Requirements **GoCardless** **9.1** /10 Based on 204 responses **PayPal Payments** **9.0** /10 Based on 2,314 responses Ease of Use **GoCardless** **9.0** /10 Based on 203 responses **PayPal Payments** **9.1** /10 Based on 2,346 responses Ease of Setup **GoCardless** **8.9** /10 Based on 153 responses **PayPal Payments** **9.0** /10 Based on 808 responses Ease of Admin **GoCardless** **9.0** /10 Based on 140 responses **PayPal Payments** **8.4** /10 Based on 349 responses Quality of Support **GoCardless** **8.5** /10 Based on 172 responses **PayPal Payments** **8.3** /10 Based on 2,182 responses Has the product been a good partner in doing business? **GoCardless** **9.0** /10 Based on 134 responses **PayPal Payments** **8.1** /10 Based on 345 responses Product Direction (% positive) **GoCardless** **8.7** /10 Based on 187 responses **PayPal Payments** **8.3** /10 Based on 2,269 responses **Features** ratings from reviews Payment Gateways **8.8** /10 Based on 74 responses **8.7** /10 Based on 2,147 responses Installment Payment and Buy Now Pay Later (BNPL) **9.2** /10 Based on 29 responses **9.1** /10 Based on 219 responses Payment Processing **8.3** /10 Based on 117 responses **9.1** /10 Based on 890 responses Uncover more feature rated insights from real users to improve your shopping experience. See it for free Subscription Revenue Management **8.8** /10 Based on 63 responses Not enough data Enterprise Payment **8.7** /10 Based on 25 responses Not enough data Payments Orchestration Not enough data **9.3** /10 Based on 63 responses SAP Store Not enough data **9.8** /10 Based on 18 responses User Insights **Reviewers' Company Size** Small-Business(50 or fewer emp.) 92.9% Mid-Market(51-1000 emp.) 5.8% Enterprise(\> 1000 emp.) 1.3% Small-Business(50 or fewer emp.) 92.9% Mid-Market(51-1000 emp.) 5.8% Enterprise(\> 1000 emp.) 1.3% Small-Business(50 or fewer emp.) 64.8% Mid-Market(51-1000 emp.) 23.1% Enterprise(\> 1000 emp.) 12.2% Small-Business(50 or fewer emp.) 64.8% Mid-Market(51-1000 emp.) 23.1% Enterprise(\> 1000 emp.) 12.2% **Reviewers' Industry** [![GoCardless](https://images.g2crowd.com/uploads/product/hd_favicon/f389918c425e74c0dc830a65b379d521/gocardless.svg "GoCardless")](https://www.g2.com/products/gocardless/reviews) GoCardless Accounting 13.6% Marketing and Advertising 11.0% Information Technology and Services 10.4% Health, Wellness and Fitness 6.1% Internet 5.2% Other 53.7% [![PayPal Payments](https://images.g2crowd.com/uploads/product/hd_favicon/6257a9c028b45bdc1f1ca9725d6e214c/paypal.png "PayPal Payments")](https://www.g2.com/products/paypal/reviews) PayPal Payments Information Technology and Services 7.2% Computer Software 6.9% Marketing and Advertising 6.7% Retail 5.3% Internet 3.6% Other 70.3% Alternatives **GoCardless Alternatives** ![Payoneer](https://images.g2crowd.com/uploads/product/hd_favicon/306e973fd36acb8bc2ecb43b07056b08/payoneer.svg "Payoneer") [ Payoneer ](/products/payoneer/reviews) ![Square Payments](https://images.g2crowd.com/uploads/product/image/thumb_square/thumb_square_d438862d658becefe2b1df5de1374630/square-payments.jpg "Square Payments") [ Square Payments ](/products/square-payments/reviews) ![Amazon Pay for Business](https://images.g2crowd.com/uploads/product/hd_favicon/1528900370/amazon-pay.jpg "Amazon Pay for Business") [ Amazon Pay for Business ](/products/amazon-pay-for-business/reviews) ![Stripe Payments](https://images.g2crowd.com/uploads/product/hd_favicon/3af79c77413d7e58d0322c1de5bfdb8e/stripe-stripe-payments.svg "Stripe Payments") [ Stripe Payments ](/products/stripe-stripe-payments/reviews) **PayPal Payments Alternatives** ![Payoneer](https://images.g2crowd.com/uploads/product/hd_favicon/306e973fd36acb8bc2ecb43b07056b08/payoneer.svg "Payoneer") [ Payoneer ](/products/payoneer/reviews) ![BlueSnap by Payroc](https://images.g2crowd.com/uploads/product/hd_favicon/45eecb7f4328d4309e6d14980d3ef14c/bluesnap-by-payroc.svg "BlueSnap by Payroc") [ BlueSnap by Payroc ](/products/bluesnap-by-payroc/reviews) ![Square Payments](https://images.g2crowd.com/uploads/product/image/thumb_square/thumb_square_d438862d658becefe2b1df5de1374630/square-payments.jpg "Square Payments") [ Square Payments ](/products/square-payments/reviews) ![Amazon Pay for Business](https://images.g2crowd.com/uploads/product/hd_favicon/1528900370/amazon-pay.jpg "Amazon Pay for Business") [ Amazon Pay for Business ](/products/amazon-pay-for-business/reviews) ## GoCardless vs PayPal Payments FAQs Generated using AI Last updated: August 14, 2026 ### What is the difference between PayPal Payments vs GoCardless? PayPal Payments and GoCardless differ most clearly in their international payment capabilities and automation features, with PayPal Payments excelling in global reach and GoCardless in recurring billing automation. | [PayPal Payments](https://www.g2.com/products/paypal/reviews) | [GoCardless](https://www.g2.com/products/gocardless/reviews) | | --- | --- | | 4.4/5 (2,749 reviews) | 4.6/5 (321 reviews) | | Small-Business | Small-Business | | 8.9 | 8.9 | | 8.3 | 8.5 | | Ease of Use (474 all-time mentions) | Automation (6 all-time mentions) | ### How do the pricing models of PayPal Payments and GoCardless compare? GoCardless is rated higher for value, with reviewers expressing greater satisfaction with its pricing compared to PayPal Payments. - **PayPal Payments:** In recent reviews, many cite high transaction and currency conversion fees as a drawback, especially for international payments. - **GoCardless:** Reviewers consistently highlight low fees for ACH and direct debit transactions, with several noting it is cheaper than credit card processing and PayPal Payments. - **Switching reasons:** Several reviewers mention switching to GoCardless to reduce payment processing costs and automate recurring billing. ### What are the best alternatives to PayPal Payments and GoCardless? The top 3 alternatives to PayPal Payments and GoCardless are Payoneer, BlueSnap, and — (no third alternative supported in the data). | Product | G2 Rating (reviews) | Largest Segment | Pricing Insight | Top Reviewer-Cited Strength | | --- | --- | --- | --- | --- | | [PayPal Payments](https://www.g2.com/products/paypal/reviews) | 4.4/5 (2,749 reviews) | Small-Business | High fees for international and currency conversion transactions | Ease of Use (474 all-time mentions) | | [GoCardless](https://www.g2.com/products/gocardless/reviews) | 4.6/5 (321 reviews) | Small-Business | Low fees for ACH/direct debit; cheaper than PayPal Payments | Automation (6 all-time mentions) | | [Payoneer](https://www.g2.com/products/payoneer/reviews) | 3.2/5 (374 reviews) | Small-Business | — | — | | [BlueSnap](https://www.g2.com/products/bluesnap/reviews) | 4.1/5 (107 reviews) | Small-Business | — | — | ### Which Payment Processing features should I prioritize when comparing PayPal Payments and GoCardless? Buyers should prioritize international payment support, recurring billing automation, integration capabilities, fee structure, and invoicing features when comparing PayPal Payments and GoCardless. - **International Payment Support:** PayPal Payments is cited for international transfers (210 all-time mentions) and global acceptance; GoCardless reviewers note limitations in handling multiple currencies for non-UK/EU users. - **Recurring Billing Automation:** GoCardless is frequently praised for automation (6 all-time mentions) and recurring billing features; PayPal Payments does not offer recurring billing as a core feature. - **Integration Capabilities:** PayPal Payments integrates with WooCommerce (16 all-time mentions) and Shopify (15); GoCardless integrates with Xero (60 all-time mentions) and other accounting platforms. - **Fee Structure:** High fees are a recurring theme for PayPal Payments (234 all-time mentions), while GoCardless is noted for low ACH/direct debit fees and cost efficiency. - **Invoicing Features:** Both products are cited for invoicing, but GoCardless is specifically mentioned for automating invoice payments and PayPal Payments for global invoice acceptance. ### What are the pros and cons of PayPal Payments vs GoCardless? PayPal Payments' headline strength is global reach and ease of use, while GoCardless excels in recurring billing automation and low-cost direct debit payments. - **PayPal Payments strengths:** Ease of use (474 all-time mentions), international transfers (210), reliability (221), and easy setup (190). - **PayPal Payments trade-offs:** High fees (234), expensive currency conversion (196), funds holding (100), and occasional delays (90). - **GoCardless strengths:** Automation (6), efficiency (5), low fees for ACH/direct debit, and strong integration with accounting platforms (Xero, 60 mentions). - **GoCardless trade-offs:** Payment delays (5), occasional high fees for certain transactions (3), and some reviewers cite limited dashboard features and reporting. ### Is PayPal Payments or GoCardless better for small businesses? GoCardless is the stronger fit for small businesses, with both products' largest reviewer segment being small-business and GoCardless receiving higher satisfaction scores from this segment. - **PayPal Payments:** Small-Business is the largest segment; reviewers highlight ease of use and global acceptance but frequently mention high fees as a pain point for small businesses. - **GoCardless:** Small-Business is the largest segment; reviewers praise automation, low fees, and time savings for recurring payments, making it attractive for small business cash flow management. ### Which Payment Processing platform has better integrations? GoCardless is favored for accounting integrations, while PayPal Payments is preferred for e-commerce platform integrations. - **PayPal Payments:** Integrates with WooCommerce (16 all-time mentions), Shopify (15), and Upwork (12), making it popular for online stores and freelance platforms. - **GoCardless:** Integrates with Xero (60 all-time mentions) and is frequently mentioned for its compatibility with accounting and invoicing software. ### How do PayPal Payments and GoCardless compare on customer support? GoCardless has a slight edge in Quality of Support, scoring 8.5 versus PayPal Payments' 8.3, which is below the materiality threshold for a decisive difference. - **PayPal Payments:** Reviewers mention responsive support but also note delays and reliance on automated responses, with 79 all-time mentions of customer support. - **GoCardless:** Reviewers highlight helpful and professional support, especially for integration and setup, with 4 all-time mentions of customer support and several recent positive experiences. ### Which is easier to implement, PayPal Payments or GoCardless? PayPal Payments and GoCardless are rated equally on Ease of Setup, both scoring 8.9, indicating parity in implementation experience. - **PayPal Payments:** Reviewers consistently describe setup as easy and user-friendly, with 190 all-time mentions of easy setup and frequent praise for quick onboarding. - **GoCardless:** Reviewers report straightforward setup, especially for direct debit and recurring payments, with 3 all-time mentions of easy setup and positive feedback on integration with accounting tools. ### Which product has better Invoicing? PayPal Payments is more frequently cited for Invoicing, with higher mention counts and broader international invoicing support. - **PayPal Payments:** Invoicing is a recurring theme in reviews, with multiple mentions of clear, effective invoicing and global invoice acceptance; Meets Requirements score is 9.0. - **GoCardless:** Invoicing is mentioned in 3 all-time reviews, with reviewers highlighting automated invoice payment collection; Meets Requirements score is 9.1.