# GoCardless vs Stripe Payments Comparison --- ## AI Generated Summary - **G2 reviewers report** that GoCardless excels in simplifying the payment collection process, with users highlighting its ability to automate payments and eliminate the need for chasing invoices. This feature is particularly beneficial for small businesses looking to save time and streamline operations. - **Users say** that Stripe Payments stands out for its seamless integration capabilities, making it easy to connect with various tools like CRMs and backend systems. Reviewers appreciate the extensive documentation and developer-friendly environment, which enhances the overall user experience. - **According to verified reviews** , GoCardless is praised for its user-friendly platform and exceptional customer support, with users noting that clients can easily set up their Direct Debit arrangements. This level of support can be a significant advantage for businesses that require assistance during implementation. - **Reviewers mention** that Stripe Payments offers a highly intuitive dashboard and backend, which contributes to a user-friendly experience for customers. This ease of use is a key factor for businesses that prioritize customer satisfaction in their payment processes. - **G2 reviewers highlight** that while GoCardless has a higher rating for ease of setup and administration, Stripe Payments provides a more robust solution for managing recurrent payments and subscriptions, making it a strong choice for businesses with ongoing billing needs. - **Users report** that GoCardless is particularly effective for small businesses, with a high percentage of reviews coming from this segment. In contrast, Stripe Payments, while also popular among small businesses, has a broader appeal due to its extensive features and flexibility, making it suitable for a wider range of business sizes. | | GoCardless | Stripe Payments | |---|---|---| | **Star Rating** | 4.6 out of 5 | 4.2 out of 5 | | **Total Reviews** | 321 | 449 | | **Largest Market Segment** | Small-Business (92.9% of reviews) | Small-Business (79.1% 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) ### Stripe Payments Pros: - Ease of Use (47 reviews) - Easy Payments (45 reviews) Cons: - High Fees (22 reviews) - Poor Customer Support (11 reviews) --- ## Ratings Comparison | Rating | GoCardless | Stripe Payments | |---|---|---| | **Meets Requirements** | 9.1 (204 reviews) | 8.8 (360 reviews) | | **Ease of Use** | 9.0 (203 reviews) | 8.9 (367 reviews) | | **Ease of Setup** | 8.9 (153 reviews) | 8.8 (248 reviews) | | **Ease of Admin** | 9.0 (140 reviews) | 8.6 (184 reviews) | | **Quality of Support** | 8.5 (172 reviews) | 8.2 (306 reviews) | | **Has the product been a good partner in doing business?** | 9.0 (134 reviews) | 8.5 (175 reviews) | | **Product Direction (% positive)** | 8.7 (187 reviews) | 8.6 (337 reviews) | --- ## Pricing ### GoCardless #### Entry-Level Pricing No pricing available #### Free Trial No information available ### Stripe Payments #### Entry-Level Pricing No pricing available #### Free Trial No information available --- ## Features Comparison By Category ### Payment Gateways | Product | Score | Reviews | |---|---|---| | **GoCardless** | 8.8/10 | 74 | | **Stripe Payments** | N/A | N/A | #### Payment Options | Feature | GoCardless | Stripe 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) | 8.6 (153 reviews) | | **Online payment portal** | 8.2 (36 reviews) | 8.8 (181 reviews) | #### Administration | Feature | GoCardless | Stripe 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) | 8.4 (145 reviews) | | **Levels 1 & 2** | Feature Not Available | 8.1 (135 reviews) | | **Level 3** | Feature Not Available | 8.1 (129 reviews) | #### Security | Feature | GoCardless | Stripe 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 | 8.2 (136 reviews) | #### Development | Feature | GoCardless | Stripe 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 | Stripe 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) | 8.6 (152 reviews) | | **E-commerce Integration** | 8.4 (25 reviews) | 8.9 (165 reviews) | #### Agentic AI - Payment Gateways | Feature | GoCardless | Stripe 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 | | **Stripe Payments** | N/A | N/A | #### Billing and Payments | Feature | GoCardless | Stripe 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 | Stripe 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 | Stripe 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 | | **Stripe Payments** | N/A | N/A | #### Payment Methods | Feature | GoCardless | Stripe 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 | Stripe 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 | Stripe 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 | Stripe 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 | Stripe 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 | Stripe 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 | | **Stripe Payments** | N/A | N/A | #### Administration - Installment Payment and Buy Now Pay Later (BNPL) | Feature | GoCardless | Stripe 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 | Stripe 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 | Stripe 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 | | **Stripe Payments** | 8.5/10 | 249 | #### Payment Processing | Feature | GoCardless | Stripe Payments | |---|---|---| | **Encryption** | 9.2 (74 reviews) | 9.0 (194 reviews) | | **Credit Card Processing** | Feature Not Available | 9.1 (221 reviews) | | **Mobile Payments** | Feature Not Available | 8.9 (192 reviews) | | **Digital Wallet Integration** | Feature Not Available | 8.5 (154 reviews) | #### Administration | Feature | GoCardless | Stripe Payments | |---|---|---| | **Reporting & Analytics** | 8.3 (70 reviews) | 8.4 (196 reviews) | | **E-commerce Integration** | 8.4 (43 reviews) | 8.9 (195 reviews) | | **Processing Fees** | 7.9 (90 reviews) | 7.0 (213 reviews) | | **POS Integration** | Feature Not Available | 8.1 (141 reviews) | | **Omnichannel** | 7.3 (30 reviews) | 8.4 (145 reviews) | | **Levels 1 & 2** | Feature Not Available | 8.1 (135 reviews) | | **Level 3** | Feature Not Available | 8.1 (129 reviews) | #### Payment Options | Feature | GoCardless | Stripe Payments | |---|---|---| | **Multi-Currency** | 7.7 (24 reviews) | 8.6 (153 reviews) | | **Online payment portal** | 8.2 (36 reviews) | 8.8 (181 reviews) | #### Security | Feature | GoCardless | Stripe Payments | |---|---|---| | **POS Verification** | Feature Not Available | 8.2 (136 reviews) | #### Platform | Feature | GoCardless | Stripe Payments | |---|---|---| | **Accounting integration** | 9.1 (44 reviews) | 8.6 (152 reviews) | | **E-commerce Integration** | 8.4 (25 reviews) | 8.9 (165 reviews) | ### Embedded Payments | Product | Score | Reviews | |---|---|---| | **GoCardless** | N/A | N/A | | **Stripe Payments** | 8.8/10 | 43 | #### Payments - Embedded Payments | Feature | GoCardless | Stripe Payments | |---|---|---| | **Processing** | Not enough data | 9.4 (41 reviews) | | **Fraud Protection** | Not enough data | 8.8 (40 reviews) | | **Payment Methods** | Not enough data | 9.5 (41 reviews) | #### Personalization - Embedded Payments | Feature | GoCardless | Stripe Payments | |---|---|---| | **Customer Onboarding** | Not enough data | 8.9 (40 reviews) | | **Checkout Customization** | Not enough data | 8.7 (39 reviews) | | **Localization** | Not enough data | 8.5 (39 reviews) | | **Merchant Portal** | Not enough data | 9.0 (39 reviews) | #### Setup - Embedded Payments | Feature | GoCardless | Stripe Payments | |---|---|---| | **Payment Flows** | Not enough data | 8.8 (39 reviews) | | **APIs** | Not enough data | 9.3 (40 reviews) | | **Dispute Management** | Not enough data | 8.1 (38 reviews) | #### Analytics - Embedded Payments | Feature | GoCardless | Stripe Payments | |---|---|---| | **Transactions** | Not enough data | 9.2 (39 reviews) | | **Reconciliation** | Not enough data | 8.9 (38 reviews) | | **Revenue** | Not enough data | 9.0 (40 reviews) | #### Agentic AI - Embedded Payments | Feature | GoCardless | Stripe Payments | |---|---|---| | **Cross-system Integration** | Not enough data | 7.8 (9 reviews) | ### Accounting & Finance | Product | Score | Reviews | |---|---|---| | **GoCardless** | N/A | N/A | | **Stripe Payments** | N/A | N/A | #### Agentic AI - Accounting & Finance | Feature | GoCardless | Stripe 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 Stripe Payments (1):** [Embedded Payments Software](https://www.g2.com/categories/embedded-payments) --- ## Reviewer Demographics ### By Company Size | Segment | GoCardless | Stripe Payments | |---|---|---| | **Small-Business** | 92.9% | 79.1% | | **Mid-Market** | 5.8% | 17.2% | | **Enterprise** | 1.3% | 3.7% | ### 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% #### Stripe Payments - **Computer Software:** 9.5% - **Information Technology and Services:** 8.1% - **Marketing and Advertising:** 7.4% - **Non-Profit Organization Management:** 6.0% - **Health, Wellness and Fitness:** 5.6% - **Retail:** 4.9% - **Consumer Services:** 3.0% - **Financial Services:** 2.8% - **Accounting:** 2.6% - **Professional Training & Coaching:** 2.6% - **Other:** 47.6% --- ## Alternatives ### Alternatives to GoCardless - [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2743 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) - [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 (4060 reviews) - [Chargebee](https://www.g2.com/products/chargebee/reviews) — 4.4/5 stars (975 reviews) - [FreshBooks](https://www.g2.com/products/freshbooks/reviews) — 4.5/5 stars (974 reviews) ### Alternatives to Stripe Payments - [EBizCharge](https://www.g2.com/products/ebizcharge/reviews) — 4.8/5 stars (103 reviews) - [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2743 reviews) - [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews) - [Venmo](https://www.g2.com/products/paypal-venmo/reviews) — 4.6/5 stars (269 reviews) - [Square Payments](https://www.g2.com/products/square-payments/reviews) — 4.5/5 stars (176 reviews) - [checkout.com](https://www.g2.com/products/checkout-com/reviews) — 4.6/5 stars (70 reviews) - [8am CPACharge](https://www.g2.com/products/8am-cpacharge/reviews) — 4.7/5 stars (98 reviews) - [Nuvei](https://www.g2.com/products/nuvei/reviews) — 4.3/5 stars (20 reviews) - [QuickBooks Payments](https://www.g2.com/products/quickbooks-payments/reviews) — 3.9/5 stars (44 reviews) - [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 3.8/5 stars (36 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..." ### Stripe Payments - Title: [What is Stripe Payments used for?](https://www.g2.com/discussions/what-is-stripe-payments-used-for) — 1 comment, 1 upvote > **Top comment:** "Stripe payment is a payment processor. They handle support many payment types and store the payment information in their PCI compliant application. Users can..." --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/gocardless-vs-stripe-stripe-payments)