# GoCardless vs TrueLayer Comparison | | GoCardless | TrueLayer | |---|---|---| | **Star Rating** | 4.6 out of 5 | 4.5 out of 5 | | **Total Reviews** | 321 | 38 | | **Largest Market Segment** | Small-Business (92.9% of reviews) | Small-Business (77.1% 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) ### TrueLayer **Not enough data** --- ## Ratings Comparison | Rating | GoCardless | TrueLayer | |---|---|---| | **Meets Requirements** | 9.1 (204 reviews) | 8.8 (24 reviews) | | **Ease of Use** | 9.0 (203 reviews) | 9.0 (24 reviews) | | **Ease of Setup** | 8.9 (153 reviews) | 8.0 (16 reviews) | | **Ease of Admin** | 9.0 (140 reviews) | 8.3 (15 reviews) | | **Quality of Support** | 8.5 (172 reviews) | 8.3 (24 reviews) | | **Has the product been a good partner in doing business?** | 9.0 (134 reviews) | 8.9 (16 reviews) | | **Product Direction (% positive)** | 8.7 (187 reviews) | 10.0 (14 reviews) | --- ## Pricing ### GoCardless #### Entry-Level Pricing No pricing available #### Free Trial No information available ### TrueLayer #### 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 | | **TrueLayer** | N/A | N/A | #### Payment Options | Feature | GoCardless | TrueLayer | |---|---|---| | **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) | Not enough data | | **Online payment portal** | 8.2 (36 reviews) | 7.8 (6 reviews) | #### Administration | Feature | GoCardless | TrueLayer | |---|---|---| | **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 | Not enough data | | **Level 3** | Feature Not Available | Not enough data | #### Security | Feature | GoCardless | TrueLayer | |---|---|---| | **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 | Not enough data | #### Development | Feature | GoCardless | TrueLayer | |---|---|---| | **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 | TrueLayer | |---|---|---| | **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) | Not enough data | | **E-commerce Integration** | 8.4 (25 reviews) | Not enough data | #### Agentic AI - Payment Gateways | Feature | GoCardless | TrueLayer | |---|---|---| | **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 | | **TrueLayer** | N/A | N/A | #### Billing and Payments | Feature | GoCardless | TrueLayer | |---|---|---| | **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 | TrueLayer | |---|---|---| | **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 | TrueLayer | |---|---|---| | **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 | | **TrueLayer** | N/A | N/A | #### Payment Methods | Feature | GoCardless | TrueLayer | |---|---|---| | **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 | TrueLayer | |---|---|---| | **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 | TrueLayer | |---|---|---| | **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 | TrueLayer | |---|---|---| | **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 | TrueLayer | |---|---|---| | **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 | TrueLayer | |---|---|---| | **Adaptive Learning** | Not enough data | Not enough data | ### Installment Payment and Buy Now Pay Later (BNPL) | Product | Score | Reviews | |---|---|---| | **GoCardless** | 9.2/10 | 29 | | **TrueLayer** | N/A | N/A | #### Administration - Installment Payment and Buy Now Pay Later (BNPL) | Feature | GoCardless | TrueLayer | |---|---|---| | **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 | TrueLayer | |---|---|---| | **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 | TrueLayer | |---|---|---| | **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 | | **TrueLayer** | 8.2/10 | 6 | #### Payment Processing | Feature | GoCardless | TrueLayer | |---|---|---| | **Encryption** | 9.2 (74 reviews) | 8.7 (5 reviews) | | **Credit Card Processing** | Feature Not Available | Not enough data | | **Mobile Payments** | Feature Not Available | 9.0 (5 reviews) | | **Digital Wallet Integration** | Feature Not Available | Not enough data | #### Administration | Feature | GoCardless | TrueLayer | |---|---|---| | **Reporting & Analytics** | 8.3 (70 reviews) | 8.0 (5 reviews) | | **E-commerce Integration** | 8.4 (43 reviews) | Not enough data | | **Processing Fees** | 7.9 (90 reviews) | 7.3 (5 reviews) | | **POS Integration** | Feature Not Available | Not enough data | | **Omnichannel** | 7.3 (30 reviews) | Not enough data | | **Levels 1 & 2** | Feature Not Available | Not enough data | | **Level 3** | Feature Not Available | Not enough data | #### Payment Options | Feature | GoCardless | TrueLayer | |---|---|---| | **Multi-Currency** | 7.7 (24 reviews) | Not enough data | | **Online payment portal** | 8.2 (36 reviews) | 7.8 (6 reviews) | #### Security | Feature | GoCardless | TrueLayer | |---|---|---| | **POS Verification** | Feature Not Available | Not enough data | #### Platform | Feature | GoCardless | TrueLayer | |---|---|---| | **Accounting integration** | 9.1 (44 reviews) | Not enough data | | **E-commerce Integration** | 8.4 (25 reviews) | Not enough data | ### Accounting & Finance | Product | Score | Reviews | |---|---|---| | **GoCardless** | N/A | N/A | | **TrueLayer** | N/A | N/A | #### Agentic AI - Accounting & Finance | Feature | GoCardless | TrueLayer | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | ### Identity Verification | Product | Score | Reviews | |---|---|---| | **GoCardless** | N/A | N/A | | **TrueLayer** | N/A | N/A | #### Identity Verification Functions - Identity Verification | Feature | GoCardless | TrueLayer | |---|---|---| | **Multi-Method Verification** | Not enough data | Not enough data | | **AI Document Check** | Not enough data | Not enough data | | **Biometric Face Match** | Not enough data | Not enough data | | **Integration Options** | Not enough data | Not enough data | | **Workflow Orchestration** | Not enough data | Not enough data | #### Risk & Fraud Prevention - Identity Verification | Feature | GoCardless | TrueLayer | |---|---|---| | **Liveness Detection** | Not enough data | Not enough data | | **AI Risk Scoring** | Not enough data | Not enough data | | **Document Forensics** | Not enough data | Not enough data | #### Compliance & Governance - Identity Verification | Feature | GoCardless | TrueLayer | |---|---|---| | **Standards Compliance** | Not enough data | Not enough data | | **AML/PEP Screening** | Not enough data | Not enough data | | **Global Coverage** | 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 TrueLayer (2):** [Identity Verification Software](https://www.g2.com/categories/identity-verification), [Financial Data APIs](https://www.g2.com/categories/financial-data-apis) --- ## Reviewer Demographics ### By Company Size | Segment | GoCardless | TrueLayer | |---|---|---| | **Small-Business** | 92.9% | 77.1% | | **Mid-Market** | 5.8% | 22.9% | | **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% #### TrueLayer - **Financial Services:** 62.9% - **Real Estate:** 5.7% - **Market Research:** 5.7% - **Information Technology and Services:** 5.7% - **Sports:** 2.9% - **Leisure, Travel & Tourism:** 2.9% - **Gambling & Casinos:** 2.9% - **Environmental Services:** 2.9% - **Consumer Services:** 2.9% - **Computer Software:** 2.9% - **Other:** 2.9% --- ## 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 (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 (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) — 3.9/5 stars (39 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 (4084 reviews) - [Chargebee](https://www.g2.com/products/chargebee/reviews) — 4.4/5 stars (978 reviews) ### Alternatives to TrueLayer - [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (450 reviews) - [Plaid](https://www.g2.com/products/plaid/reviews) — 4.2/5 stars (44 reviews) - [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews) - [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2743 reviews) - [Birdeye](https://www.g2.com/products/birdeye/reviews) — 4.7/5 stars (4084 reviews) - [Lightico](https://www.g2.com/products/lightico/reviews) — 4.8/5 stars (369 reviews) - [FreshBooks](https://www.g2.com/products/freshbooks/reviews) — 4.5/5 stars (975 reviews) - [Shopify POS](https://www.g2.com/products/shopify-shopify-pos/reviews) — 4.4/5 stars (367 reviews) - [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (368 reviews) - [Thryv](https://www.g2.com/products/thryv/reviews) — 4.2/5 stars (1998 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..." ### TrueLayer No discussions available for this product. --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/gocardless-vs-truelayer)