# GoCardless vs Pin Payments Comparison | | GoCardless | Pin Payments | |---|---|---| | **Star Rating** | 4.6 out of 5 | 4.6 out of 5 | | **Total Reviews** | 321 | 58 | | **Largest Market Segment** | Small-Business (92.9% of reviews) | Small-Business (96.5% of reviews) | | **Entry Level Price** | No pricing available | No pricing available | --- ## Top Pros & Cons ### GoCardless Pros: - Convenience (8 reviews) - Ease of Use (8 reviews) Cons: - Payment Issues (6 reviews) - Slow Payments (5 reviews) ### Pin Payments **Not enough data** --- ## Ratings Comparison | Rating | GoCardless | Pin Payments | |---|---|---| | **Meets Requirements** | 9.1 (204 reviews) | 9.3 (47 reviews) | | **Ease of Use** | 9.0 (203 reviews) | 9.0 (47 reviews) | | **Ease of Setup** | 8.9 (153 reviews) | 8.6 (30 reviews) | | **Ease of Admin** | 9.0 (140 reviews) | 8.8 (27 reviews) | | **Quality of Support** | 8.5 (172 reviews) | 9.2 (45 reviews) | | **Has the product been a good partner in doing business?** | 9.0 (134 reviews) | 8.5 (27 reviews) | | **Product Direction (% positive)** | 8.7 (187 reviews) | 8.9 (44 reviews) | --- ## Pricing ### GoCardless #### Entry-Level Pricing No pricing available #### Free Trial No information available ### Pin Payments #### Entry-Level Pricing No pricing available #### Free Trial Yes --- ## Features Comparison By Category ### Payment Gateways | Product | Score | Reviews | |---|---|---| | **GoCardless** | 8.8/10 | 74 | | **Pin Payments** | N/A | N/A | #### Payment Options | Feature | GoCardless | Pin Payments | |---|---|---| | **Coupons, Discounts, Promotions, and Gift Cards** | Feature Not Available | Not enough data | | **Recurring Billing** | 9.2 (32 reviews) | Not enough data | | **Instant Payment** | 8.5 (30 reviews) | Not enough data | | **Accepted Credit Cards and Debit Cards** | Feature Not Available | Not enough data | | **ACH Payments and eCheck Processing** | 7.8 (20 reviews) | Not enough data | | **Split Payments** | Feature Not Available | Not enough data | | **Real-Time Payments** | Feature Not Available | Not enough data | | **Multi-Currency** | 7.7 (24 reviews) | 9.0 (8 reviews) | | **Online payment portal** | 8.2 (36 reviews) | 9.4 (13 reviews) | #### Administration | Feature | GoCardless | Pin Payments | |---|---|---| | **Reporting/Dashboards** | 8.8 (36 reviews) | Not enough data | | **User, Role, and Access Management** | 8.6 (33 reviews) | Not enough data | | **Payout Time** | 7.4 (37 reviews) | Not enough data | | **Manual Payment Entry** | 8.1 (25 reviews) | Not enough data | | **Dispute Resolution** | Feature Not Available | Not enough data | | **Omnichannel** | 7.3 (30 reviews) | Not enough data | | **Levels 1 & 2** | Feature Not Available | 9.6 (9 reviews) | | **Level 3** | Feature Not Available | 9.4 (6 reviews) | #### Security | Feature | GoCardless | Pin Payments | |---|---|---| | **PCI Compliance** | Feature Not Available | Not enough data | | **Fraud Protection Tools** | Feature Not Available | Not enough data | | **Data Tokenization** | 9.2 (23 reviews) | Not enough data | | **Two-Factor Authentication** | 9.6 (30 reviews) | Not enough data | | **POS Verification** | Feature Not Available | 9.2 (6 reviews) | #### Development | Feature | GoCardless | Pin Payments | |---|---|---| | **Customization (Fields, Objects, and Layouts)** | 8.5 (18 reviews) | Not enough data | | **APIs** | 8.8 (20 reviews) | Not enough data | | **Accounting Software Integration** | 8.7 (27 reviews) | Not enough data | | **E-Commerce Software Integration** | 8.9 (22 reviews) | Not enough data | #### Platform | Feature | GoCardless | Pin Payments | |---|---|---| | **Performance and Reliability** | 9.1 (34 reviews) | Not enough data | | **Internationalization - Currency/Language** | 9.1 (21 reviews) | Not enough data | | **Internationalization - Operating Country** | 9.3 (22 reviews) | Not enough data | | **API / Integrations** | 8.8 (20 reviews) | Not enough data | | **PCI Regulation Compliance** | Feature Not Available | Not enough data | | **Supplemental Technology** | Feature Not Available | Not enough data | | **Accounting integration** | 9.1 (44 reviews) | 9.3 (7 reviews) | | **E-commerce Integration** | 8.4 (25 reviews) | 9.6 (8 reviews) | #### Agentic AI - Payment Gateways | Feature | GoCardless | Pin Payments | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | | **Cross-system Integration** | Not enough data | Not enough data | | **Decision Making** | Not enough data | Not enough data | ### Subscription Revenue Management | Product | Score | Reviews | |---|---|---| | **GoCardless** | 8.8/10 | 63 | | **Pin Payments** | N/A | N/A | #### Billing and Payments | Feature | GoCardless | Pin 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 | Pin 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 | Pin 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 | | **Pin Payments** | N/A | N/A | #### Payment Methods | Feature | GoCardless | Pin 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 | Pin 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 | Pin 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 | Pin 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 | Pin 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 | Pin 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 | | **Pin Payments** | N/A | N/A | #### Administration - Installment Payment and Buy Now Pay Later (BNPL) | Feature | GoCardless | Pin Payments | |---|---|---| | **Email Notifications** | 9.1 (23 reviews) | Not enough data | | **Invoicing** | 9.0 (17 reviews) | Not enough data | | **Customer Portal** | Feature Not Available | Not enough data | | **Loyalty Management** | Feature Not Available | Not enough data | #### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL) | Feature | GoCardless | Pin Payments | |---|---|---| | **Payment Gateway** | 9.2 (17 reviews) | Not enough data | | **Payment Tracking** | 9.3 (23 reviews) | Not enough data | | **E-commerce Integration** | Feature Not Available | Not enough data | | **Payment Scheduling** | 9.6 (26 reviews) | Not enough data | #### Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features | Feature | GoCardless | Pin Payments | |---|---|---| | **Adaptive Learning** | Not enough data | Not enough data | | **Proactive Assistance** | Not enough data | Not enough data | | **Decision Making** | Not enough data | Not enough data | ### Payment Processing | Product | Score | Reviews | |---|---|---| | **GoCardless** | 8.3/10 | 117 | | **Pin Payments** | 9.2/10 | 16 | #### Payment Processing | Feature | GoCardless | Pin Payments | |---|---|---| | **Encryption** | 9.2 (74 reviews) | 9.7 (12 reviews) | | **Credit Card Processing** | Feature Not Available | 9.6 (13 reviews) | | **Mobile Payments** | Feature Not Available | 9.8 (10 reviews) | | **Digital Wallet Integration** | Feature Not Available | Not enough data | #### Administration | Feature | GoCardless | Pin Payments | |---|---|---| | **Reporting & Analytics** | 8.3 (70 reviews) | 7.8 (10 reviews) | | **E-commerce Integration** | 8.4 (43 reviews) | 9.1 (9 reviews) | | **Processing Fees** | 7.9 (90 reviews) | 8.1 (14 reviews) | | **POS Integration** | Feature Not Available | 9.2 (6 reviews) | | **Omnichannel** | 7.3 (30 reviews) | Not enough data | | **Levels 1 & 2** | Feature Not Available | 9.6 (9 reviews) | | **Level 3** | Feature Not Available | 9.4 (6 reviews) | #### Payment Options | Feature | GoCardless | Pin Payments | |---|---|---| | **Multi-Currency** | 7.7 (24 reviews) | 9.0 (8 reviews) | | **Online payment portal** | 8.2 (36 reviews) | 9.4 (13 reviews) | #### Security | Feature | GoCardless | Pin Payments | |---|---|---| | **POS Verification** | Feature Not Available | 9.2 (6 reviews) | #### Platform | Feature | GoCardless | Pin Payments | |---|---|---| | **Accounting integration** | 9.1 (44 reviews) | 9.3 (7 reviews) | | **E-commerce Integration** | 8.4 (25 reviews) | 9.6 (8 reviews) | ### Subscription Management | Product | Score | Reviews | |---|---|---| | **GoCardless** | N/A | N/A | | **Pin Payments** | N/A | N/A | #### Order Management | Feature | GoCardless | Pin Payments | |---|---|---| | **Opportunities** | Not enough data | Not enough data | | **Order History** | Not enough data | Not enough data | | **Upsell & Cross-sell** | Not enough data | Not enough data | | **Renewals** | Not enough data | Not enough data | #### Products & Plans | Feature | GoCardless | Pin Payments | |---|---|---| | **Packages** | Not enough data | Not enough data | | **Multi-part Deals** | Not enough data | Not enough data | | **Plan Changes** | Not enough data | Not enough data | | **Bundles** | Not enough data | Not enough data | #### Pricing | Feature | GoCardless | Pin Payments | |---|---|---| | **Standard Price** | Not enough data | Not enough data | | **Discounts** | Not enough data | Not enough data | | **Optimization** | Not enough data | Not enough data | #### Revenue Management | Feature | GoCardless | Pin Payments | |---|---|---| | **Automation** | Not enough data | Not enough data | | **Consolidation** | Not enough data | Not enough data | | **Adjustments** | Not enough data | Not enough data | | **Billing Types** | Not enough data | Not enough data | #### Integration | Feature | GoCardless | Pin Payments | |---|---|---| | **Payments** | Not enough data | Not enough data | | **Accounting** | Not enough data | Not enough data | | **CRM & Sales** | Not enough data | Not enough data | #### Agentic AI - Subscription Management | Feature | GoCardless | Pin Payments | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | | **Cross-system Integration** | Not enough data | Not enough data | | **Adaptive Learning** | Not enough data | Not enough data | | **Natural Language Interaction** | Not enough data | Not enough data | | **Decision Making** | Not enough data | Not enough data | ### Accounting & Finance | Product | Score | Reviews | |---|---|---| | **GoCardless** | N/A | N/A | | **Pin Payments** | N/A | N/A | #### Agentic AI - Accounting & Finance | Feature | GoCardless | Pin Payments | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | --- ## Categories **Shared Categories (1):** [Payment Processing Software](https://www.g2.com/categories/payment-processing) **Unique to GoCardless (4):** [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl), [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment), [Subscription Revenue Management Software](https://www.g2.com/categories/subscription-revenue-management), [Payment Gateways](https://www.g2.com/categories/payment-gateways) **Unique to Pin Payments (1):** [Subscription Management Software](https://www.g2.com/categories/subscription-management) --- ## Reviewer Demographics ### By Company Size | Segment | GoCardless | Pin Payments | |---|---|---| | **Small-Business** | 92.9% | 96.5% | | **Mid-Market** | 5.8% | 3.5% | | **Enterprise** | 1.3% | 0% | ### 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% #### Pin Payments - **Information Technology and Services:** 12.3% - **Retail:** 10.5% - **Accounting:** 5.3% - **Arts and Crafts:** 5.3% - **Education Management:** 5.3% - **Leisure, Travel & Tourism:** 5.3% - **Construction:** 3.5% - **Events Services:** 3.5% - **Marketing and Advertising:** 3.5% - **Photography:** 3.5% - **Other:** 42.1% --- ## Alternatives ### Alternatives to GoCardless - [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2744 reviews) - [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (367 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 (450 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) — 3.8/5 stars (36 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 (4064 reviews) - [Chargebee](https://www.g2.com/products/chargebee/reviews) — 4.4/5 stars (976 reviews) ### Alternatives to Pin Payments - [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2744 reviews) - [Stripe Billing](https://www.g2.com/products/stripe-billing/reviews) — 4.4/5 stars (141 reviews) - [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (450 reviews) - [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews) - [Thryv](https://www.g2.com/products/thryv/reviews) — 4.2/5 stars (1995 reviews) - [Sage Intacct](https://www.g2.com/products/sage-intacct/reviews) — 4.3/5 stars (4214 reviews) - [Birdeye](https://www.g2.com/products/birdeye/reviews) — 4.7/5 stars (4064 reviews) - [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1805 reviews) - [Agentforce Revenue Management (formerly Salesforce Revenue Cloud)](https://www.g2.com/products/agentforce-revenue-management-formerly-salesforce-revenue-cloud/reviews) — 4.2/5 stars (1502 reviews) - [Chargebee](https://www.g2.com/products/chargebee/reviews) — 4.4/5 stars (976 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..." ### Pin Payments - Title: [What Is PIN payment?](https://www.g2.com/discussions/what-is-pin-payment) — 2 comments > **Top comment:** "Its a low cost credit/debit card facility without the merchant fees. You do pay a surcharge of 2% there abouts but that can be charged to the client if you..." --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/gocardless-vs-pin-payments)