# GoCardless vs PayPal Payments Comparison --- ## AI Generated Summary - **G2 reviewers report** that PayPal Payments excels in user satisfaction, boasting a significantly higher overall score compared to GoCardless. Users appreciate its ease of use, with one reviewer noting, "I find PayPal Payments easy to use for collecting payments and transferring money efficiently." - **Users say** that PayPal Payments offers a quick and intuitive setup process, making it a preferred choice for many small businesses. One user highlighted the convenience of the auto bank transfer feature, stating, "Setting up PayPal Payments was also very easy." - **Reviewers mention** that GoCardless shines in automating payment collections, which can save businesses time and reduce the hassle of chasing invoices. A user noted, "It makes the payments collection process simple... everything runs automatically." - **According to verified reviews** , PayPal Payments is recognized for its broad market presence, with many users valuing its universal appeal. One reviewer remarked, "I like that PayPal Payments is very universal since many people have a PayPal account, which makes it easy for me to recommend to new clients." - **Users highlight** that GoCardless provides excellent customer support, with feedback indicating that the platform is user-friendly and easy to integrate. A user praised it by saying, "User friendly platform, amazing customer support." - **G2 reviewers note** that while PayPal Payments has a higher overall satisfaction score, GoCardless has slightly better ratings in specific areas like payment tracking and scheduling, with users appreciating its ability to automate these processes effectively. | | GoCardless | PayPal Payments | |---|---|---| | **Star Rating** | 4.6 out of 5 | 4.4 out of 5 | | **Total Reviews** | 321 | 2,743 | | **Largest Market Segment** | Small-Business (92.9% of reviews) | Small-Business (64.8% of reviews) | | **Entry Level Price** | No pricing available | $0 per month | --- ## Top Pros & Cons ### GoCardless Pros: - Convenience (8 reviews) - Ease of Use (8 reviews) Cons: - Payment Issues (6 reviews) - Slow Payments (5 reviews) ### PayPal Payments Pros: - Ease of Use (473 reviews) - Easy Payments (325 reviews) Cons: - High Fees (233 reviews) - Expensive (195 reviews) --- ## Ratings Comparison | Rating | GoCardless | PayPal Payments | |---|---|---| | **Meets Requirements** | 9.1 (204 reviews) | 9.0 (2229 reviews) | | **Ease of Use** | 9.0 (203 reviews) | 9.1 (2260 reviews) | | **Ease of Setup** | 8.9 (153 reviews) | 8.9 (720 reviews) | | **Ease of Admin** | 9.0 (140 reviews) | 8.4 (329 reviews) | | **Quality of Support** | 8.5 (172 reviews) | 8.3 (2105 reviews) | | **Has the product been a good partner in doing business?** | 9.0 (134 reviews) | 8.1 (326 reviews) | | **Product Direction (% positive)** | 8.7 (187 reviews) | 8.3 (2197 reviews) | --- ## Pricing ### GoCardless #### Entry-Level Pricing No pricing available #### Free Trial No information available ### PayPal Payments #### Entry-Level Pricing Plan: On Website - Basic Price: $0 per month Key Features: - Accept credit cards and PayPal on your site - Swipe cards in your store and on the go - Create and email invoices for fast payment [Browse all 3 editions](https://www.g2.com/products/paypal/pricing) #### Free Trial No --- ## Features Comparison By Category ### Payment Gateways | Product | Score | Reviews | |---|---|---| | **GoCardless** | 8.8/10 | 74 | | **PayPal Payments** | 8.7/10 | 2090 | #### Payment Options | Feature | GoCardless | PayPal Payments | |---|---|---| | **Recurring Billing** | 9.2 (32 reviews) | Feature Not Available | | **Instant Payment** | 8.5 (30 reviews) | 9.0 (1615 reviews) | | **Accepted Credit Cards and Debit Cards** | Feature Not Available | 9.2 (1630 reviews) | | **ACH Payments and eCheck Processing** | 7.8 (20 reviews) | 8.4 (1177 reviews) | | **Split Payments** | Feature Not Available | 8.4 (1109 reviews) | | **Multi-Currency** | 7.7 (24 reviews) | 9.0 (610 reviews) | | **Online payment portal** | 8.2 (36 reviews) | 9.1 (628 reviews) | #### Administration | Feature | GoCardless | PayPal Payments | |---|---|---| | **Reporting/Dashboards** | 8.8 (36 reviews) | Feature Not Available | | **User, Role, and Access Management** | 8.6 (33 reviews) | Feature Not Available | | **Payout Time** | 7.4 (37 reviews) | 8.5 (1522 reviews) | | **Manual Payment Entry** | 8.1 (25 reviews) | 8.6 (1363 reviews) | | **Omnichannel** | 7.3 (30 reviews) | 8.6 (494 reviews) | | **Levels 1 & 2** | Feature Not Available | 8.5 (477 reviews) | | **Level 3** | Feature Not Available | 8.4 (463 reviews) | #### Security | Feature | GoCardless | PayPal Payments | |---|---|---| | **PCI Compliance** | Feature Not Available | 8.6 (646 reviews) | | **Data Tokenization** | 9.2 (23 reviews) | 8.7 (1169 reviews) | | **Two-Factor Authentication** | 9.6 (30 reviews) | 8.8 (1361 reviews) | | **POS Verification** | Feature Not Available | 8.7 (480 reviews) | #### Development | Feature | GoCardless | PayPal Payments | |---|---|---| | **Customization (Fields, Objects, and Layouts)** | 8.5 (18 reviews) | 8.4 (1289 reviews) | | **APIs** | 8.8 (20 reviews) | Feature Not Available | | **Accounting Software Integration** | 8.7 (27 reviews) | 8.5 (1108 reviews) | | **E-Commerce Software Integration** | 8.9 (22 reviews) | 8.7 (1207 reviews) | #### Platform | Feature | GoCardless | PayPal Payments | |---|---|---| | **Performance and Reliability** | 9.1 (34 reviews) | 8.9 (1472 reviews) | | **Internationalization - Currency/Language** | 9.1 (21 reviews) | 8.9 (1350 reviews) | | **Internationalization - Operating Country** | 9.3 (22 reviews) | 8.9 (1329 reviews) | | **API / Integrations** | 8.8 (20 reviews) | 8.7 (1082 reviews) | | **PCI Regulation Compliance** | Feature Not Available | 8.6 (1072 reviews) | | **Accounting integration** | 9.1 (44 reviews) | 8.6 (475 reviews) | | **E-commerce Integration** | 8.4 (25 reviews) | 8.9 (506 reviews) | #### Agentic AI - Payment Gateways | Feature | GoCardless | PayPal Payments | |---|---|---| | **Autonomous Task Execution** | Not enough data | 9.1 (69 reviews) | | **Cross-system Integration** | Not enough data | 8.8 (68 reviews) | | **Decision Making** | Not enough data | 8.8 (68 reviews) | ### Subscription Revenue Management | Product | Score | Reviews | |---|---|---| | **GoCardless** | 8.8/10 | 63 | | **PayPal Payments** | N/A | N/A | #### Billing and Payments | Feature | GoCardless | PayPal Payments | |---|---|---| | **Payment Terms** | 9.0 (43 reviews) | Not enough data | | **Personalized Billing** | 9.0 (45 reviews) | Not enough data | | **Custom Pricing** | Feature Not Available | Not enough data | #### Revenue Recognition | Feature | GoCardless | PayPal Payments | |---|---|---| | **Usage Tracking** | 8.9 (38 reviews) | Not enough data | | **Deferred Revenue** | 9.1 (23 reviews) | Not enough data | | **Revenue Accrual** | 8.8 (26 reviews) | Not enough data | #### Revenue Optimization | Feature | GoCardless | PayPal Payments | |---|---|---| | **At-Risk Customers** | 8.8 (27 reviews) | Not enough data | | **Offer Optimization** | Feature Not Available | Not enough data | | **Customer Churn** | 8.5 (28 reviews) | Not enough data | | **Revenue Forecasting** | 8.6 (27 reviews) | Not enough data | ### Enterprise Payment | Product | Score | Reviews | |---|---|---| | **GoCardless** | 8.7/10 | 25 | | **PayPal Payments** | N/A | N/A | #### Payment Methods | Feature | GoCardless | PayPal Payments | |---|---|---| | **ACH** | 7.9 (8 reviews) | Not enough data | | **Credit and Debit** | Feature Not Available | Not enough data | | **Wire Transfer** | Feature Not Available | Not enough data | #### Payment Processing | Feature | GoCardless | PayPal Payments | |---|---|---| | **Batch Processing** | 8.6 (12 reviews) | Not enough data | | **Payments Scheduling** | 9.2 (20 reviews) | Not enough data | | **Automated Workflows** | 8.7 (14 reviews) | Not enough data | | **Self Service** | 8.2 (11 reviews) | Not enough data | | **Reconciliation** | 8.2 (13 reviews) | Not enough data | | **Settlements** | 8.2 (12 reviews) | Not enough data | | **Payment Tracking** | 9.1 (19 reviews) | Not enough data | #### Security and Compliance | Feature | GoCardless | PayPal Payments | |---|---|---| | **PCI Compliant** | Feature Not Available | Not enough data | | **P2PE** | Feature Not Available | Not enough data | | **Fraud Management** | Feature Not Available | Not enough data | | **SSL Encryption** | 9.8 (14 reviews) | Not enough data | | **SOX** | Feature Not Available | Not enough data | | **SOC** | Feature Not Available | Not enough data | #### Integration | Feature | GoCardless | PayPal Payments | |---|---|---| | **Agnostic Integration** | 9.6 (9 reviews) | Not enough data | | **Reporting Consolidation** | 9.0 (12 reviews) | Not enough data | | **Plugins and APIs** | 8.6 (12 reviews) | Not enough data | #### Payment Types | Feature | GoCardless | PayPal Payments | |---|---|---| | **AP Automation** | 8.3 (7 reviews) | Not enough data | | **E-Commerce** | Feature Not Available | Not enough data | | **Retail** | Feature Not Available | Not enough data | #### Agentic AI - Enterprise Payment | Feature | GoCardless | PayPal Payments | |---|---|---| | **Adaptive Learning** | Not enough data | Not enough data | ### Installment Payment and Buy Now Pay Later (BNPL) | Product | Score | Reviews | |---|---|---| | **GoCardless** | 9.2/10 | 29 | | **PayPal Payments** | 9.1/10 | 221 | #### Administration - Installment Payment and Buy Now Pay Later (BNPL) | Feature | GoCardless | PayPal Payments | |---|---|---| | **Email Notifications** | 9.1 (23 reviews) | 9.1 (186 reviews) | | **Invoicing** | 9.0 (17 reviews) | 9.1 (179 reviews) | | **Customer Portal** | Feature Not Available | 8.9 (184 reviews) | | **Loyalty Management** | Feature Not Available | 8.7 (171 reviews) | #### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL) | Feature | GoCardless | PayPal Payments | |---|---|---| | **Payment Gateway** | 9.2 (17 reviews) | 9.0 (188 reviews) | | **Payment Tracking** | 9.3 (23 reviews) | 8.9 (186 reviews) | | **E-commerce Integration** | Feature Not Available | 9.0 (172 reviews) | | **Payment Scheduling** | 9.6 (26 reviews) | 8.9 (176 reviews) | #### Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features | Feature | GoCardless | PayPal Payments | |---|---|---| | **Adaptive Learning** | Not enough data | 9.4 (36 reviews) | | **Proactive Assistance** | Not enough data | 9.3 (36 reviews) | | **Decision Making** | Not enough data | 9.4 (36 reviews) | ### Payment Processing | Product | Score | Reviews | |---|---|---| | **GoCardless** | 8.3/10 | 117 | | **PayPal Payments** | 8.8/10 | 800 | #### Payment Processing | Feature | GoCardless | PayPal Payments | |---|---|---| | **Encryption** | 9.2 (74 reviews) | 9.3 (272 reviews) | | **Credit Card Processing** | Feature Not Available | 9.1 (236 reviews) | | **Mobile Payments** | Feature Not Available | 9.3 (248 reviews) | | **Digital Wallet Integration** | Feature Not Available | 9.2 (255 reviews) | #### Administration | Feature | GoCardless | PayPal Payments | |---|---|---| | **Reporting & Analytics** | 8.3 (70 reviews) | 9.0 (227 reviews) | | **E-commerce Integration** | 8.4 (43 reviews) | 9.1 (239 reviews) | | **Processing Fees** | 7.9 (90 reviews) | 7.4 (288 reviews) | | **POS Integration** | Feature Not Available | 8.9 (209 reviews) | | **Omnichannel** | 7.3 (30 reviews) | 8.6 (494 reviews) | | **Levels 1 & 2** | Feature Not Available | 8.5 (477 reviews) | | **Level 3** | Feature Not Available | 8.4 (463 reviews) | #### Payment Options | Feature | GoCardless | PayPal Payments | |---|---|---| | **Multi-Currency** | 7.7 (24 reviews) | 9.0 (610 reviews) | | **Online payment portal** | 8.2 (36 reviews) | 9.1 (628 reviews) | #### Security | Feature | GoCardless | PayPal Payments | |---|---|---| | **POS Verification** | Feature Not Available | 8.7 (480 reviews) | #### Platform | Feature | GoCardless | PayPal Payments | |---|---|---| | **Accounting integration** | 9.1 (44 reviews) | 8.6 (475 reviews) | | **E-commerce Integration** | 8.4 (25 reviews) | 8.9 (506 reviews) | ### Payments Orchestration | Product | Score | Reviews | |---|---|---| | **GoCardless** | N/A | N/A | | **PayPal Payments** | 9.3/10 | 65 | #### Architecture | Feature | GoCardless | PayPal Payments | |---|---|---| | **Unified API** | Not enough data | 9.1 (47 reviews) | | **POL** | Not enough data | 9.1 (46 reviews) | | **Integrations** | Not enough data | 9.5 (49 reviews) | #### Processing | Feature | GoCardless | PayPal Payments | |---|---|---| | **Validation** | Not enough data | 9.4 (49 reviews) | | **Automation** | Not enough data | 9.4 (49 reviews) | | **Cross Border** | Not enough data | 9.3 (48 reviews) | | **Routing** | Not enough data | 9.5 (48 reviews) | | **Reconciliation** | Not enough data | 9.5 (48 reviews) | #### Risk & Compliance | Feature | GoCardless | PayPal Payments | |---|---|---| | **Failed payments** | Not enough data | 9.1 (46 reviews) | | **Tokenization** | Not enough data | 9.2 (48 reviews) | | **Compliance** | Not enough data | 9.4 (48 reviews) | #### Analytics | Feature | GoCardless | PayPal Payments | |---|---|---| | **Consolidation** | Not enough data | 9.3 (48 reviews) | | **Optimization** | Not enough data | 9.4 (48 reviews) | | **Fraud** | Not enough data | 9.0 (48 reviews) | #### Agentic AI - Payments Orchestration | Feature | GoCardless | PayPal Payments | |---|---|---| | **Autonomous Task Execution** | Not enough data | 9.5 (39 reviews) | | **Cross-system Integration** | Not enough data | 9.5 (39 reviews) | ### SAP Store | Product | Score | Reviews | |---|---|---| | **GoCardless** | N/A | N/A | | **PayPal Payments** | 9.8/10 | 19 | #### Agentic AI - SAP Store | Feature | GoCardless | PayPal Payments | |---|---|---| | **Autonomous Task Execution** | Not enough data | 9.7 (17 reviews) | | **Multi-step Planning** | Not enough data | 9.7 (17 reviews) | | **Cross-system Integration** | Not enough data | 9.8 (17 reviews) | | **Adaptive Learning** | Not enough data | 9.8 (17 reviews) | | **Natural Language Interaction** | Not enough data | 9.9 (17 reviews) | | **Proactive Assistance** | Not enough data | 9.8 (17 reviews) | | **Decision Making** | Not enough data | 9.9 (17 reviews) | ### Accounting & Finance | Product | Score | Reviews | |---|---|---| | **GoCardless** | N/A | N/A | | **PayPal Payments** | N/A | N/A | #### Agentic AI - Accounting & Finance | Feature | GoCardless | PayPal Payments | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | --- ## Categories **Shared Categories (3):** [Payment Processing Software](https://www.g2.com/categories/payment-processing), [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl), [Payment Gateways](https://www.g2.com/categories/payment-gateways) **Unique to GoCardless (2):** [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment), [Subscription Revenue Management Software](https://www.g2.com/categories/subscription-revenue-management) **Unique to PayPal Payments (2):** [Payments Orchestration Software](https://www.g2.com/categories/payments-orchestration), [SAP Store Software](https://www.g2.com/categories/sap-store) --- ## Reviewer Demographics ### By Company Size | Segment | GoCardless | PayPal Payments | |---|---|---| | **Small-Business** | 92.9% | 64.8% | | **Mid-Market** | 5.8% | 23.1% | | **Enterprise** | 1.3% | 12.1% | ### By Industry #### GoCardless - **Accounting:** 13.6% - **Marketing and Advertising:** 11.0% - **Information Technology and Services:** 10.4% - **Health, Wellness and Fitness:** 6.1% - **Internet:** 5.2% - **Computer Software:** 4.2% - **Telecommunications:** 3.9% - **Sports:** 2.9% - **Design:** 2.3% - **Non-Profit Organization Management:** 1.9% - **Other:** 38.5% #### PayPal Payments - **Information Technology and Services:** 7.0% - **Computer Software:** 6.8% - **Marketing and Advertising:** 6.7% - **Retail:** 5.4% - **Internet:** 3.7% - **Accounting:** 2.9% - **Education Management:** 2.7% - **Apparel & Fashion:** 2.3% - **Financial Services:** 2.3% - **Higher Education:** 2.1% - **Other:** 58.1% --- ## Alternatives ### Alternatives to GoCardless - [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (368 reviews) - [Square Payments](https://www.g2.com/products/square-payments/reviews) — 4.5/5 stars (176 reviews) - [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (452 reviews) - [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews) - [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 4.0/5 stars (43 reviews) - [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.4/5 stars (249 reviews) - [Venmo](https://www.g2.com/products/paypal-venmo/reviews) — 4.6/5 stars (269 reviews) - [Birdeye](https://www.g2.com/products/birdeye/reviews) — 4.7/5 stars (4094 reviews) - [Chargebee](https://www.g2.com/products/chargebee/reviews) — 4.4/5 stars (978 reviews) - [FreshBooks](https://www.g2.com/products/freshbooks/reviews) — 4.5/5 stars (975 reviews) ### Alternatives to PayPal Payments - [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (368 reviews) - [BlueSnap](https://www.g2.com/products/bluesnap/reviews) — 4.1/5 stars (107 reviews) - [Square Payments](https://www.g2.com/products/square-payments/reviews) — 4.5/5 stars (176 reviews) - [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews) - [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (452 reviews) - [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 4.0/5 stars (43 reviews) - [WePay](https://www.g2.com/products/wepay/reviews) — 3.6/5 stars (68 reviews) - [Shift Payment](https://www.g2.com/products/shift-4/reviews) — 3.2/5 stars (23 reviews) - [Paytm Business](https://www.g2.com/products/paytm-business/reviews) — 4.5/5 stars (281 reviews) - [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.4/5 stars (249 reviews) --- ## Top Discussions ### GoCardless - Title: [Is there any other type of payments being accepted?](https://www.g2.com/discussions/31022-is-there-any-other-type-of-payments-being-accepted) — 2 comments, 1 upvote *(includes official response)* > **Top comment:** "We're building the best way to collect recurring payments. As a result, we are optimising for the payment method that is best suited for recurring revenue..." - Title: [I recommend any organization wishing to use automatic payments to use GoCardless because it meets the most requirements with advantageous pricin ?](https://www.g2.com/discussions/i-recommend-any-organization-wishing-to-use-automatic-payments-to-use-gocardless-because-it-meets-the-most-requirements-with-advantageous-pricin) — 1 comment, 1 upvote > **Top comment:** "Very satisfactory and recommended. " - Title: [What do I do about pending payments](https://www.g2.com/discussions/what-do-i-do-about-pending-payments) — 1 comment, 1 upvote > **Top comment:** "Wait for the to be settled, GoCardless will be able to assist you if you would like to any extra information or guidance to maybe speed up the process of the..." - Title: [A-When will we be able to choose the moment when the transfer is made, i.e., choose to receive the funds on a predictable date? B-The display during registration should first offer to fill in information for a company. Currently, you have to click a button first for the information entry for companies to appear. However, SEPA direct debit is mostly for companies, not for individuals.](https://www.g2.com/discussions/37749-a-quand-pourra-t-on-choisir-le-moment-ou-le-virement-se-fait-cad-choisir-de-recevoir-les-fonds-a-une-date-previsible-b-il-faudrait-que-l-affichage-lors-de-l-inscription-propose-en-premier-de-remplir-des-infos-pour-une-entreprise-actuellement-il-faut) — 1 comment, 1 upvote *(includes official response)* > **Top comment:** "Hello, we thank you for your comment. A - By logging into your merchant account, you can choose the debit date for each payment made using GoCardless. The..." - Title: [Will it be possible one day to have invoices automatically generated for my clients (1 invoice per payment plan)?](https://www.g2.com/discussions/37284-sera-t-il-possible-un-jour-d-avoir-des-factures-editees-automatiquement-pour-mes-clients-1-facture-par-plan-de-paiement) — 1 comment, 1 upvote *(includes official response)* > **Top comment:** "Hello. Our solutions do not generate invoices for end customers, but we have partner billing software that can assist you with this. You can view our list of..." ### PayPal Payments - Title: [What is PayPal Credit used for?](https://www.g2.com/discussions/what-is-paypal-credit-used-for) — 8 comments, 5 upvotes > **Top comment:** "Instead of using your main bank card online, you can use the PayPal credit card, keeping your bank details more private." - Title: [Allow visa gift card](https://www.g2.com/discussions/allow-visa-gift-card) — 8 comments, 3 upvotes > **Top comment:** "I think there is a reason why not only PayPal but other services also doesn't allow Visa gift card because I also have tried with many other services." - Title: [PayPal Is NOt Returning USD 40,000 they kept for 180 Days After account suspension](https://www.g2.com/discussions/paypal-is-not-returning-usd-40-000-they-kept-for-180-days-after-account-suspension) — 7 comments, 1 upvote > **Top comment:** "I have one similar story - https://www.reddit.com/r/paypal/comments/jeuc6o/victory_funds_returned_after_a_long_battle_with/" - Title: [how to add money to paypal](https://www.g2.com/discussions/how-to-add-money-to-paypal) — 5 comments, 1 upvote > **Top comment:** "To add using cash You can go to Walmart Walgreens 711 Dollar General & many other stores and simply tell the cashier you'd like to reload your PayPal card ..." - Title: [Approved paypal credit](https://www.g2.com/discussions/45405-approved-paypal-credit) — 4 comments, 1 upvote > **Top comment:** "lal16877@gmail.com,reciev paypal" --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/gocardless-vs-paypal)