--- title: GoCardless Reviews meta_title: 'GoCardless Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 321 reviews by the users' company size, role or industry to find out how GoCardless works for a business like yours. aggregate_rating: rating_value: 4.6 review_count: 321 scale: '5' date_modified: '2026-07-17' parent_category: name: Payment url: https://www.g2.com/categories/payment --- # GoCardless Reviews **Vendor:** GoCardless **Category:** [Payment Processing Software](https://www.g2.com/categories/payment-processing) **Average Rating:** 4.6/5.0 **Total Reviews:** 321 ## About GoCardless GoCardless is on a mission to become the world’s bank payment network. Setting people and businesses free from the frustrations and cost of out-dated payment methods, with simple and secure direct bank payment solutions. Collect instant, one-off payments. Or automated recurring payments. And use our add-ons to automatically recover failed payments (recovering 70%, on average), and fight fraud without compromising your customer’s payment experience. With GoCardless you save time and money, win and retain more customers, get paid on time, and reduce stress. 75,000+ businesses around the world trust us to power their payments, including global names like DocuSign, Carrefour, Norwegian Refugee Council, Trip Advisor, Aon, Survey Monkey, and UNHCR. We enable them to collect payments from 30+ countries, processing over $30 billion each year. And our products are flexible to how you want to use them – whether you want to use them on their own with our easy-to-use online dashboard, connect with one of 350+ systems you might already use to run your business, or build your own custom integration with our API. We’ve been on this mission since 2011, and now have an incredible team of 700+ payments experts across the UK, US, France, and Australia. In fact, you might’ve heard of us before – we’ve been covered by the BBC, Financial Times, TechCrunch, Wall Street Journal, Les Echos, Börsen Zeitung, Australian Financial Review, and hundreds more. Want to learn more? Head over to gocardless.com ## GoCardless Pros & Cons **What users like:** - Users value the **convenience** of GoCardless, enjoying effortless automatic subscription collections without the hassle of reminders. (8 reviews) - Users find GoCardless incredibly **easy to use** , streamlining payment collection and automating processes effortlessly. (8 reviews) - Users appreciate the **automation of payments** with GoCardless, enjoying hassle-free collections and streamlined account management. (6 reviews) - Users value the **efficiency** of GoCardless for simplifying bank transfers and managing recurring payments effectively. (5 reviews) - Users appreciate the **helpful customer support** of GoCardless, enhancing their experience and confidence in the service. (4 reviews) - Users value the **integrations** of GoCardless with various platforms, enhancing convenience and reliability in payment management. (4 reviews) - Users value the **reliability** of GoCardless, appreciating its efficient handling of recurring transactions with no late payments. (4 reviews) - Speed (4 reviews) - Users highlight the **time-saving automation** of GoCardless, simplifying their Direct Debit processes efficiently. (4 reviews) - Users value the **easy integrations** of GoCardless, enhancing payment processes across various systems and platforms. (3 reviews) **What users dislike:** - Users experience **payment issues** with GoCardless, including longer processing times and verification complications that delay payments. (6 reviews) - Users experience **slow payments** with GoCardless, leading to delays that impact reliability and transaction tracking. (5 reviews) - Users face **billing issues** with GoCardless, experiencing delays and complications in payment processing and account reliability. (3 reviews) - Users find the **high fees** concerning, especially for small payments and delayed payouts affecting cash flow. (3 reviews) - Users experience **payment delays** with GoCardless, which can significantly hinder cash flow and reliability. (3 reviews) - Payment Processing (3 reviews) - Slow Performance (3 reviews) - UX Improvement (3 reviews) - Delays (2 reviews) - Users find GoCardless to have **high fees** , particularly for small payments, impacting cash flow and user experience. (2 reviews) ## GoCardless Reviews ### 1. GoCardless more like GoPainless **Rating:** 4.0/5.0 stars **Reviewed by:** OLT O. | Product owner, Small-Business (50 or fewer emp.) **Reviewed Date:** April 12, 2022 **What do you like best about GoCardless?** great dashboard and API and webhook options for customising how our system works with payments, all easy to use **What do you dislike about GoCardless?** credit card payments would be lovely, direct debit is a barrier to a few customers **What problems is GoCardless solving and how is that benefiting you?** taking payments is super easy and transparent ### 2. FCC - a small charity with a few hundred members **Rating:** 5.0/5.0 stars **Reviewed by:** Richard H. | Trustee of the charity, Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2022 **What do you like best about GoCardless?** The best thing is that as a small volunteer led charity, the help from GoCardless staff is first class: prompt, polite, patient - simply can't be faulted **What do you dislike about GoCardless?** I can't think of anything to dislike about the GoCardless service - its perfect for our needs **Recommendations to others considering GoCardless:** Do it - cost-effective, simple and well supported **What problems is GoCardless solving and how is that benefiting you?** Much easier collection of annual membership subscriptions, replacing payments by Standing Orders and cheques: eary to keep track of membership renewals ### 3. Best way to collect recurring payments **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Publishing | Small-Business (50 or fewer emp.) **Reviewed Date:** November 04, 2021 **What do you like best about GoCardless?** Having used GoCardless for several years, I can honestly say I wouldn't trust anyone else to manage payments for me. Since I switched to them, unpaid invoices and late payments have dropped to almost nothing and my customers also appreciate the ease and simplicity of paying their invoices via Direct Debit. Setting up is quick and easy, the dashboard for managing is also easy to use and modern. It's also a lot cheaper to accept payment with GoCardless than it is with most credit and debit card processors. All in all, I get faster, easier payments for less and without the hassle of having to chase unpaid invoices! **What do you dislike about GoCardless?** I've not experienced any issues with GoCardless. On the few times I have had to contact them its been easy, staff have been pleasant and they've responded in a timely manner. **What problems is GoCardless solving and how is that benefiting you?** I no longer have to chase late payments and I can just setup a subscription for a client and leave it. My clients also no longer have to worry about making manual payments as before, so late payments are very rare now. ### 4. Direct Debit for a Small Window Cleaning Business **Rating:** 5.0/5.0 stars **Reviewed by:** Joshua G. | Window Cleaner, Small-Business (50 or fewer emp.) **Reviewed Date:** November 04, 2021 **What do you like best about GoCardless?** Its been perfect for setting up many of our customers to process payments automatically so we can receive payments for the window cleaning work done for them easily and quickly **What do you dislike about GoCardless?** Sometimes there is a slight delay seeing the exact amount that is due to come in. Also the fees are slightly higher than what we would pay would other payment methods but overall this is not a big problem **What problems is GoCardless solving and how is that benefiting you?** We have 100s of customers and keeping track of all those payments that would have to be tracked every month was very time consuming, now 99% of our customers are signed up and we have no need to check manually anymore. LOVE IT ### 5. Easy payment processing for recurring or one off payments. **Rating:** 5.0/5.0 stars **Reviewed by:** Phil E. | Owner and CEO since 1994, Small-Business (50 or fewer emp.) **Reviewed Date:** August 25, 2020 **What do you like best about GoCardless?** GoCardless is really flexible and easy to use. We can send a customer an email link which after they have filled in a simple form (branded to us) its about 3 minutes to set up recurring payment plans or one off charges. It's easy to change details, the support team have always sorted out any problems quickly. As it uses direct debit mandates customers are much more confident to use it. **What do you dislike about GoCardless?** Fees went up this year making it a bit expensive for tiny recurring payments (per transaction fee), so this adds a little to what you need to factor in to any small transactions. Customer list is a bit unwieldy, search facility or a means of grouping customers would be good. **What problems is GoCardless solving and how is that benefiting you?** We needed a solution to pay for many monthly subscriptions and charge customers for equipment or ad-hoc services as they occurred as well. ### 6. Great solution ! **Rating:** 5.0/5.0 stars **Reviewed by:** keavin E. | COO, Mid-Market (51-1000 emp.) **Reviewed Date:** April 19, 2022 **What do you like best about GoCardless?** The onboarding is smooth with a very caring and competent team. The product is great, works well without any defaults even minor ones. **What do you dislike about GoCardless?** Instant dashboards which gather important metrics regarding your plans or customers. **Recommendations to others considering GoCardless:** You can find a more affordable but not a better payments collecting solution. **What problems is GoCardless solving and how is that benefiting you?** Deal quickly and easily with the collection of the payments from our B to B clients. ### 7. The easiest way to get paid **Rating:** 5.0/5.0 stars **Reviewed by:** Lazaros K. | Managing Director, Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2022 **What do you like best about GoCardless?** Customers are not bothered by constantly calling them to pay our bills and the money in our account is fast and secure. We recommend it to every business that has regular customers and more **What do you dislike about GoCardless?** Everything is fine. I do not find anything to dislike. **What problems is GoCardless solving and how is that benefiting you?** The continuous calls to our customers for the payment of our invoices within the time we wish the payment ### 8. FANTASTIC for cashflow **Rating:** 5.0/5.0 stars **Reviewed by:** Farzan A. | Web Designer, Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2022 **What do you like best about GoCardless?** GoCardless have been a great tool f or my business - esp for cashflow and getting cash in from customers that would delay invoices. **What do you dislike about GoCardless?** The days it takes from submitting a payment to the actual payout **What problems is GoCardless solving and how is that benefiting you?** I don't have to chase invoices which means I can keep a decent working relationship with late-paying clients, increases my cash flow and it saves admin time ### 9. My experience was awesome, payment came shortly :) **Rating:** 5.0/5.0 stars **Reviewed by:** Abdullah R. | Bookkeeper, Small-Business (50 or fewer emp.) **Reviewed Date:** November 02, 2021 **What do you like best about GoCardless?** I like the Xero integration most. It was automated and fast. **What do you dislike about GoCardless?** So far I have nothing in my mind about dislike. But I will share if I find anything. **Recommendations to others considering GoCardless:** It's easy to set up. Also easily integrated with Xero. **What problems is GoCardless solving and how is that benefiting you?** My problem was to take payments from the clients' accounts automatically. GoCardless solved this problem quickly. ### 10. We love GoCardless! **Rating:** 5.0/5.0 stars **Reviewed by:** Denis C. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2022 **What do you like best about GoCardless?** Super-easy user interface - really straightforward for our customers to sign up **What do you dislike about GoCardless?** It takes a while for payments to clear - it would be great if payments could clear more quickly **Recommendations to others considering GoCardless:** Start using it today - you and your customers will love it **What problems is GoCardless solving and how is that benefiting you?** Reliable, regular payments are made - the addition of a refund button has also been a great help ### 11. A great, easy to use, reliable way to ensure customers pay on time **Rating:** 5.0/5.0 stars **Reviewed by:** Mark H. | O, Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2022 **What do you like best about GoCardless?** Simple to set up customer subscriptions, and strong customer support **What do you dislike about GoCardless?** The default to a personal bank account, apart from that, if it's not broken, don't fix it **Recommendations to others considering GoCardless:** If you want to guarantee your payments use GoCardless, also has great integration with cloud software such as Xero and FreeAgent **What problems is GoCardless solving and how is that benefiting you?** Ensuring that I get paid by customers, with zero bad debts to date ### 12. New business **Rating:** 5.0/5.0 stars **Reviewed by:** Michael S. | Progress Leader & Science teacher, Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2022 **What do you like best about GoCardless?** Here me start in top of my payment plans. Keeps me posted about how much I've earned each month. Very useful for business growth. **What do you dislike about GoCardless?** Amending/freezing payment plans in bulk is tedious as I have to do then one by one. **Recommendations to others considering GoCardless:** I looked at other options and an glad I chose GoCardless **What problems is GoCardless solving and how is that benefiting you?** Saving time in my business. It is all automated. ### 13. Simple and effective system to collect membership payments for our business. **Rating:** 4.5/5.0 stars **Reviewed by:** Tina S. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** November 04, 2021 **What do you like best about GoCardless?** I like the way it will automatically retry to collect missed payments. This frees up our admin time and ensures we collect what is due, even if payment failed previously. **What do you dislike about GoCardless?** I would prefer to have the option to talk to a help desk, rather than scroll through all the help documents. It would be quicker and simpler all around. That said, they always solve any questions asked. **What problems is GoCardless solving and how is that benefiting you?** We used to miss so many payments due to clients having insufficient funds in their accounts on a set day. We would then waste time and money on debt collection, again increasing time spent on admin. ### 14. Simple to use **Rating:** 5.0/5.0 stars **Reviewed by:** Carol R. | Office Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2022 **What do you like best about GoCardless?** Setting up of customers and payments. Easy to set up recurring or one offs **What do you dislike about GoCardless?** That all payments show on the same page but not in date order. You can sort them but this should be default **Recommendations to others considering GoCardless:** It just works **What problems is GoCardless solving and how is that benefiting you?** Less time spent chasing payments and can easily prepare a cashflow as I know what is coming in when ### 15. GoCardless has streamlined our business **Rating:** 4.5/5.0 stars **Reviewed by:** Martin B. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2022 **What do you like best about GoCardless?** Flat rate and simply signup for both us and our customers **What do you dislike about GoCardless?** Integration with our billing platform (Zoho Books) could be better. obviously this isn't the fault of GC. **Recommendations to others considering GoCardless:** I couldn't recommend this service highly enough **What problems is GoCardless solving and how is that benefiting you?** We've halved the average number of overdue invoices and found 'problem' customers are more than happy to sign up to the service ### 16. Have recommended Gocardless twice already **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Internet | Small-Business (50 or fewer emp.) **Reviewed Date:** November 04, 2021 **What do you like best about GoCardless?** I like that it actually works, people do in fact sign up and start paying regularly, which is quite a pleasant surprise frankly. Most things you sign up for a disappointment. **What do you dislike about GoCardless?** Though GoCardless were very helpful and manually changed the payment date, it would be good to be able to set up a date/dates ffor the payment back to my business account - if that were possible. **Recommendations to others considering GoCardless:** It is easy, it works, it is well worth it. **What problems is GoCardless solving and how is that benefiting you?** I wanted a direct debit system that was easier than asking people to set up a direct debit through their bank account - go cardless is very easy to use. Plus, it means that if i change my bank account i do not have to get all the Direct Debits changed as they pay to Gocardless not directly to my bank. ### 17. Has made my life a lot easier **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Design | Small-Business (50 or fewer emp.) **Reviewed Date:** February 03, 2022 **What do you like best about GoCardless?** My customers can quickly and easily set up a Direct Debit mandate. If there are any issues, then I'm notified by email. It makes my life easier. **What do you dislike about GoCardless?** So far I haven't come across any downsides. **Recommendations to others considering GoCardless:** GoCardless is a great way to take regular payments from clients. It integrates well with accounting software like Xero so that you can generate invoices and reconcile payments quickly and easily. **What problems is GoCardless solving and how is that benefiting you?** Before using GoCardless my customers paid via standing order. This made it hard to track and reconcile payments with invoices. Now, this is all taken care of. ### 18. Game Changer for our Business **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Small-Business (50 or fewer emp.) **Reviewed Date:** November 01, 2021 **What do you like best about GoCardless?** A viable alternative to move clients over to a direct debit arrangement. Low fees and more surety of payment than credit card. Clients rarely change bank accounts unlike credit cards. Syncs really nicely with Xero too and easy reconciliation. **What do you dislike about GoCardless?** It's a bit clunky using 2 x different platforms (the main GoCardless one and their Xero platform). Also if a client does change bank accounts it's difficult to action this. Also there's a fairly steep learning curve on how to get clients over the line with signing up to direct debit in the first place, but once you understand the spiel to use, it's not so hard. Lastly, the **What problems is GoCardless solving and how is that benefiting you?** Getting paid on time. Getting paid at all! Lower fees than accepting credit cards. Perfect reconciliation within Xero. Half our revenue now comes via GoCardless and we're very pleased with this. ### 19. Seamless integration with invoicing on Xero **Rating:** 5.0/5.0 stars **Reviewed by:** Richard C. | Co-Founder & Operations Director, Information Technology and Services, Small-Business (50 or fewer emp.) **Reviewed Date:** November 04, 2021 **What do you like best about GoCardless?** Not only is it extremely easy to get setup and operational, the seamless integration with invoicing on Xero means that all monthly recurring payments just happen automatically. Such a huge time saver, I have lost count of the number of people I have referred to the platform and they all thank me for making their lives a lot simpler! **What do you dislike about GoCardless?** I can't think of anything that isn't any good. **What problems is GoCardless solving and how is that benefiting you?** GoCardless has helped us to completely automate the process of recurring monthly payments - I just love receiving their emails telling me they've just submitted more funds to our account. ### 20. Aweasome experience **Rating:** 5.0/5.0 stars **Reviewed by:** Kunal D. | Accountant Receivable Specialist, Small-Business (50 or fewer emp.) **Reviewed Date:** May 05, 2022 **What do you like best about GoCardless?** Its just saving time and earn some extra discount. **What do you dislike about GoCardless?** Sometimes is like working slow as wifi service provider not working properly, we need to work on that. **What problems is GoCardless solving and how is that benefiting you?** We need to add more options for purchasing and introduce a stepwise discount for more fun while purchasing. ### 21. Automate your income & save time! Game changer for my business! **Rating:** 4.5/5.0 stars **Reviewed by:** Simone V. | Online Marketing Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** November 05, 2021 **What do you like best about GoCardless?** It is very easy to set up a direct debit for the invoices of your customers. I use it to automate my wordpress maintenance contracts I have with several customers. **What do you dislike about GoCardless?** I would love to adjust my transfer subject to write my current invoice number in the reference field so that my customer can see it in his statement of account. **What problems is GoCardless solving and how is that benefiting you?** It is a game-changer for me because my customers don't need to pay my bill that does not change every month manually but it happens automatically. I get my money faster and my customer saves time! ### 22. Quick & Easy payment solution **Rating:** 4.5/5.0 stars **Reviewed by:** Matt C. | Managing Directory, Small-Business (50 or fewer emp.) **Reviewed Date:** November 02, 2021 **What do you like best about GoCardless?** GoCardless is easy to set up and to get customers using; they don't need to supply a huge amount of information and the process is easily explained and understood. **What do you dislike about GoCardless?** In all honestly there's nothing we dislike - the delay in receiving payments can be an irritation at times but this is how Direct Debit works rather than a facet of GC itself. **What problems is GoCardless solving and how is that benefiting you?** We have implemented a relatively low cost, easy to administer repeat payment solution which helps us to continue serving customers a number of low margin products which we would potentially have had to discontinue otherwise. ### 23. not very good **Rating:** 0.0/5.0 stars **Reviewed by:** William B. | Owner **Reviewed Date:** June 06, 2022 **What do you like best about GoCardless?** The speed of setup of the account. The price isn't bad either. **What do you dislike about GoCardless?** Their verification team makes them hard to do business with. **What problems is GoCardless solving and how is that benefiting you?** Nothing now ### 24. Best thing that was ever offered me **Rating:** 5.0/5.0 stars **Reviewed by:** Kewin B. | IT Technician, Small-Business (50 or fewer emp.) **Reviewed Date:** September 21, 2021 **What do you like best about GoCardless?** It offers everything I needed for my business. It also offered a range of support options. And the efficiency as well as the growth of that company is unbelievable! Love it! **What do you dislike about GoCardless?** There's literally nothing that I dislike about gocardless at the moment. If they carry on updating and adding more options and upgrades to their service, I'll probably stay as their customer till I die . **Recommendations to others considering GoCardless:** Carry on using this service and make sure you check all the options they offer. **What problems is GoCardless solving and how is that benefiting you?** The benefits are all the options they offer from paying in the money for me every week at specific time so I don't have to worry about it. ### 25. Keeps control of regular payments **Rating:** 4.5/5.0 stars **Reviewed by:** Nathan L. | Small-Business (50 or fewer emp.) **Reviewed Date:** August 25, 2020 **What do you like best about GoCardless?** As most of my business income is through monthly packages, using GoCardless helps me to stay in control of those regular payments, without relying on customers paying manually each month or needing to set up a standing order. It’s very easy to forward a link to get payment plans set up. With COVID-19 affecting a number of businesses, it was great to see GoCardless react quickly by creating an easy to use options to pause customer plans for a set number of months. **What do you dislike about GoCardless?** There are certain parts of the dashboard that can be a little confusing. I’m mostly used to them by now though. **What problems is GoCardless solving and how is that benefiting you?** Reliability of payments Ability to see what’s coming in and when Low fees ### 26. Changed my business for the better **Rating:** 4.5/5.0 stars **Reviewed by:** Thomas B. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2021 **What do you like best about GoCardless?** I no longer have to chase invoices from clients who should be paying on the same date each month anyway. It's very easy to create plans and send a professional sign-up form to clients, so the onboarding process is straightforward. I can also pause plans and setup manual payments for different amounts, which has proven very handy, particularly since the start of the pandemic when businesses have needed that versatility. **What do you dislike about GoCardless?** The fees have crept up over the years, but it still justifies the cost because it simplifies running my business and it's incredibly easy to use. **What problems is GoCardless solving and how is that benefiting you?** The biggest issue in my business was chasing late payments. I simply couldn't afford the investment of time it required and clients didn't like being hassled. Now I don't have to talk to clients about money at all. They agree the fee and the agreement is active once the payment mandate is complete. All focus then shifts to the work, which is how it should be. ### 27. GoCardless Review **Rating:** 4.5/5.0 stars **Reviewed by:** Dayle R. **Reviewed Date:** February 15, 2021 ### 28. Streamlined fees collection **Rating:** 4.0/5.0 stars **Reviewed by:** Daniel J. | Accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** August 24, 2020 **What do you like best about GoCardless?** It automates the sales receipts process, streamlines with bookkeeping software so the data is easily reconciled. It reduced significantly our debtors. **What do you dislike about GoCardless?** The only downside is the fees that have recently increased significantly, it is still cheaper than card payments though **Recommendations to others considering GoCardless:** Great service to use **What problems is GoCardless solving and how is that benefiting you?** Bank reconciliations, allocations to invoices, debtors have greatly reduced. ### 29. GoCardless+Xero reduced friction and costs in our business, and made our clients happier too! **Rating:** 4.5/5.0 stars **Reviewed by:** Pete N. | Founder and CEO, Computer Software, Small-Business (50 or fewer emp.) **Reviewed Date:** June 02, 2020 **What do you like best about GoCardless?** We love that GoCardless seamlessly collects payment on the due dates for all Xero invoices in AUD, USD, EUR and GBP. **What do you dislike about GoCardless?** The GoCardless integration with Xero is "almost" seamless. As we learned that the GoCardless cannot create a matching entry in Xero for the daily bank deposits, so we have to manually reconcile those each month and trust that they are right. That is still significantly better than what we had to do manually before. Also if a client needs to change their address or bank details, we manually must edit or delete their existing mandate and send them a link to create a new one. That process could be better automated for self-service. **Recommendations to others considering GoCardless:** If you use Stripe today to auto-bill customers on subscription - take a good look at GoCardless + Xero + TransferWise **What problems is GoCardless solving and how is that benefiting you?** We no longer have to manually manage process subscriptions that were previously on Stripe. The fees on international payments are reduced and as GC can deposit funds into our relevant currency in TransferWise, it means we do not get hit with unwanted currency conversion as we did with Stripe. Finally, especially in the USA where clients are used to paying with cards but not ACH, this makes it seamless and painless for them and they do not have to pay any bank ACH fees. ### 30. Straightforward and flexible **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** July 22, 2021 **What do you like best about GoCardless?** It's really easy to integrate with Xero and clients love not having to remember to pay my invoices. **What do you dislike about GoCardless?** I have a legacy account and when I login i have to go through two login screens. I also can't get the fees to post in Xero without the VAT even though I'm not registered for VAT. **What problems is GoCardless solving and how is that benefiting you?** I get almost guaranteed payment every month, even for nonrecurring or ad hoc invoices. ### 31. Go Cardless is great **Rating:** 5.0/5.0 stars **Reviewed by:** Juliette E. | Company Director, Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2022 **What do you like best about GoCardless?** Ease of use, information about past transactions all there **What do you dislike about GoCardless?** Cost per transaction which uses up Society funds **Recommendations to others considering GoCardless:** excellent choice **What problems is GoCardless solving and how is that benefiting you?** Customers transactions all stored ### 32. So much less admin for recurring payments thanks to GoCardless **Rating:** 4.5/5.0 stars **Reviewed by:** Amy D. | Business Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2021 **What do you like best about GoCardless?** I use GoCardless in conjunction with Quickbooks. It's easy to set up and easy for my clients to sign up to as well. Whenever a recurring invoice gets raised automatically in Quickbooks, GoCardless will take the payment on its due date and reconciles the invoice. It saves so much admin time. **What do you dislike about GoCardless?** I want the payment processing to be faster. It takes a couple of days after the invoice has been "paid" for the payment to reach GoCardless, and then it takes a few more days for the payouts to reach my bank account. It makes it more difficult to track my income as a result. Also if I set up an invoice I can't mark it as being paid by GoCardless until the client has set up their direct debit. I understand why this is, but I have to remember to go back to the invoice to remark it as being paid by GoCardless after the client has signed up. It would be easier if this happened automatically. **Recommendations to others considering GoCardless:** If your business has a subscription model, or takes recurring payments, Go Cardless is simple and cost effective. I find it easy to set up and use and for my clients they only have to fill out a simple form. It has saved me a lot of admin time and anxiety as a result of using it. **What problems is GoCardless solving and how is that benefiting you?** Thanks to using GoCardless I have to do a lot less chasing of payments from clients. It makes the process easier for both them and me. It also saves me heaps of time on admin for recurring invoices so that makes the fees totally worth it. ### 33. Great Time Saving Service, All Pros and No Cons **Rating:** 5.0/5.0 stars **Reviewed by:** Jim C. | Web Developer, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2021 **What do you like best about GoCardless?** The best thing about GoCardless is that it automates regular payments and reduces wasted time chasing invoices. I like the web interface for managing payments and customer service agents have always been very helpful. **What do you dislike about GoCardless?** I don't think that there is a downside to GoCardless for me. Committed direct debits can't be cancelled once they have been submitted, but that is a problem with the Direct Debit system, not GoCardless. It would be great to have a fallback Card service. I realise it doesn't fit with Going Cardless! There is nothing about GoCardless itself that I would change. **What problems is GoCardless solving and how is that benefiting you?** I no longer have to chase customers for regular payments. It has greatly reduced the amount of time wasted and has made me more profitable in the process. This is a big deal in my line of work where margins are relatively small and the service I offer includes a component that is consistent each month, hosting and system upgrades. Using GoCardless means that as soon as a customer has committed to pay by Direct Debit, you are pretty well guaranteed to receive the money that you are due each month without embarrassing conversations. Usually I am collecting less than £20 each month per customer. Chasing small amounts across many clients can have a huge impact on profitability and GoCardless has paid for itself several times over. I very much recommend it. I haven't found a service better. ### 34. Stress free way of taking recurring payments **Rating:** 5.0/5.0 stars **Reviewed by:** Oliver N. | Managing Director, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2021 **What do you like best about GoCardless?** The ability to easily setup direct debits directly from our accounting system and feed those through to GoCardless. Arguably one of the best features with the integration is that once the payment has been collected and paid out, the invoice payment status is automatically updated within our accounting system saving countless hours of time in reconciliation. The direct debit setup form is easy for customers to follow and the live feedback on cancelled mandates is very useful as it allows us to reach out to customers before their payment is due and rectify any issues (whether mandates are cancelled by mistake or the customer intends to cancel their services). **What do you dislike about GoCardless?** The dates shown within the GoCardless portal are sometimes slightly off. If you set a manual payout date (for example, once per week) the system is then unable to estimate the payout date on a per payment basis. We've had a number of customers query who GoCardless is when it appears on their bank statement. There are subscription plans which allow you to address this but the pricing is relatively high. **Recommendations to others considering GoCardless:** I would encourage others considering GoCardless to look at the integrations their accounting software provides. In my opinion, this is where GoCardless really shines. It's becoming more popular as time goes on and so more and more accounting software providers are supporting it and building their own integrations. **What problems is GoCardless solving and how is that benefiting you?** We supply a number of 'per seat' cloud services within an easy on, easy off framework. This means we need fully flexible billing practices to enable us to offboard seats as and when our customers inform us of staff changes etc. GoCardless provides us with this. It also gives us full visibility of the payment process from the initial submission, collection, processing and payout all from within a single pane of glass. ### 35. Awesome provider at a very reasonable price point **Rating:** 5.0/5.0 stars **Reviewed by:** Andy J. | Head Instructor, Small-Business (50 or fewer emp.) **Reviewed Date:** November 04, 2021 **What do you like best about GoCardless?** GoCardless's API and web interface make it so easy to monitor our payments **What do you dislike about GoCardless?** Nothing really, they offer everything we need and we're really happy with them! **What problems is GoCardless solving and how is that benefiting you?** We used to take fees for our services in cash (small sports club), but through the automation with GC we now have routine reliable payments without the need to physically go to the bank. ### 36. Ultimate time saver **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Design | Small-Business (50 or fewer emp.) **Reviewed Date:** November 04, 2021 **What do you like best about GoCardless?** This is the perfect solution for repeated billing. Until I started using Go Cardless I would have to send invoices every month then make sure those invoices were paid manually on time. Now the only time I spend is on the initial set up and every month the bill is paid. **What do you dislike about GoCardless?** The only issue I do have. and is very minor, is the time of day the transfer is made to my bank account, I would prefer start of business not mid afternoon. **Recommendations to others considering GoCardless:** Give it a go **What problems is GoCardless solving and how is that benefiting you?** Cash flow is imporved and late payment issues ### 37. We use this integrated with Xero and it makes our lives so much easier! **Rating:** 5.0/5.0 stars **Reviewed by:** Lee R. | Co-Founder & Director, Small-Business (50 or fewer emp.) **Reviewed Date:** September 21, 2021 **What do you like best about GoCardless?** The automation and ease of sending new clients a link to set-up a mandate **What do you dislike about GoCardless?** When someone cancels a payment or mandate, we get an email notification, but it doesn't say which client it was. We have to manually find it by logging in. **What problems is GoCardless solving and how is that benefiting you?** Guaranteeing payments from clients are made on time, and giving convenience to clients so they don't have to worry about invoices we send them. This saves us a huge amount of time and worry. ### 38. Easy to use, quick payouts, reasonable fees **Rating:** 5.0/5.0 stars **Reviewed by:** Matt F. | O, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2021 **What do you like best about GoCardless?** Easy to use dashboard, easy client sign up process, quick payouts, reasonable fees **What do you dislike about GoCardless?** There is no iOS app available. It would help to have an app **Recommendations to others considering GoCardless:** No advice, it's up to them what they do **What problems is GoCardless solving and how is that benefiting you?** It's helped me take monthly payments from clients without the admin time of producing invoices and hoping they get paid on time ### 39. Get paid on time with a minimum of fuss **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Marketing and Advertising | Small-Business (50 or fewer emp.) **Reviewed Date:** July 22, 2021 **What do you like best about GoCardless?** I most appreciate the GoCardless integration with QuickBooks. I create my invoices in QuickBooks which automatically triggers collection of payment by Direct Debit on the due date. It makes life much easier and quicker! **What do you dislike about GoCardless?** The only drawback, and this could the the same with all Direct Debit providers, I don't know, is that it takes longer for the money to reach my account after the client has paid than if the client paid my account directly. But at least I know that I've been paid and the money is safe. **What problems is GoCardless solving and how is that benefiting you?** I don't have to chase clients because of late payment. It's all taken care of for me. Also, I think when a client signs up to pay you by Direct Debit you have reassurance from that extra layer of commitment from the client. ### 40. Low cost payments **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Small-Business (50 or fewer emp.) **Reviewed Date:** May 12, 2020 **What do you like best about GoCardless?** The money come in automatically, without fuss or problem and the admin fees are very reasonable **What do you dislike about GoCardless?** There isn't anything I dislike. The only downside is that customers can cancel easily (but you do get warning) **Recommendations to others considering GoCardless:** It's so easy to use and set-up. It's streamlined our services and reduced our admin time spent on chasing monies. I'd highly recommend it to anyone who wants hassle free payments from their customers, guaranteed to be received on time. **What problems is GoCardless solving and how is that benefiting you?** less debt chasing and missing invoice requests ### 41. GoCardless has been a game changer for us. **Rating:** 5.0/5.0 stars **Reviewed by:** Duwayne K. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** July 22, 2021 **What do you like best about GoCardless?** The fact that once it's set up you no longer have to worry about payments failing due to credit/ debit cards expiring. GoCardless has also saved us a lot of money through it's low processing fees. **What do you dislike about GoCardless?** The integration with Freeagent isn't fantastic but I'm really digging deep here to find an issue with GC. **Recommendations to others considering GoCardless:** As a free tool to get up and running with no comment, it's a no brainer **What problems is GoCardless solving and how is that benefiting you?** We no longer have to worry about failed payments due to debit/ credit cards expiring. It's a real time-saving tool. ### 42. Recurring paiement made in simple **Rating:** 5.0/5.0 stars **Reviewed by:** Cyril P. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** March 21, 2021 **What do you like best about GoCardless?** Simplicity of usability is the best thing for us. It's a time winning tool and ensure invoices are payed in due time. This solution is connected to our CRM solution, so we can automate the invoices' paiements. **What do you dislike about GoCardless?** We are a small company (5 employees), so for our needs, gocardless is prefect, I can't point out dislikes elements for now. Thought we receive all commissions' invoice by email, it may be good to have a place in our gocardless' dashboard to find it again. **Recommendations to others considering GoCardless:** It's easy to try, and despite the commissions, I think try it is buy it. **What problems is GoCardless solving and how is that benefiting you?** Taking a sepa mandate is so easy, that our customers fullfill it in a blink. Gocardless link to Sellsy has taking away for us the pain of manual recurring invoices. Overdue decreased a lot for us, and we are saving time because no need for us to remind our customers to actually pay their invoices. ### 43. The easy way **Rating:** 5.0/5.0 stars **Reviewed by:** George G. | accounts admin, Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2022 **What do you like best about GoCardless?** Easy set up and use. Best way to get invoices paid. Integrates well with Billingbooth **What do you dislike about GoCardless?** Not much. GoCardless pretty much does what it says on the tin. **What problems is GoCardless solving and how is that benefiting you?** Cashflow ### 44. Easy of use, saves a lot of time **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Internet | Small-Business (50 or fewer emp.) **Reviewed Date:** November 02, 2021 **What do you like best about GoCardless?** The Interface is clean and the service is easy to use. All the automated tasks save a lot of time everyday work. **What do you dislike about GoCardless?** Nothing to say so far, maybe the transaction numbers that could include customer name instead of just numbers for an easier tracking. **What problems is GoCardless solving and how is that benefiting you?** Hosting and maintenance continuous invoices were tedious to create again and again, now the automated generation and payment with GoCardLess make it a lot faster to deal with. ### 45. Works well and great value **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Primary/Secondary Education | Small-Business (50 or fewer emp.) **Reviewed Date:** September 21, 2021 **What do you like best about GoCardless?** The GoCardless transaction fee is lower than collecting the same payment with a card payment, which is essential to us as a small charity. Regular payments just work. No Dramas, No Fuss. The dashboard is clear and easy to use. I download the transactions every month and upload them to our accounting system, so bookkeeping is straightforward. GoCardless was recommended to us by TotalGiving/NowDonate and integrated into their donation pages. **What do you dislike about GoCardless?** Nothing to dislike. It works great for us. **What problems is GoCardless solving and how is that benefiting you?** We are collecting Regular Payments from supporters in a simple and cost-effective way. ### 46. It works, it's pretty simple, in fact I just let it do its thing and hardly have to touch it. **Rating:** 4.5/5.0 stars **Reviewed by:** Mark C. | Business IT Consultant, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2021 **What do you like best about GoCardless?** It's quick, simple, efficient. It just works, and when it doesn't work, it's normally not it's fault, (users and complex bank accounts ug). It's clear to see whats going on, and above all I don't have to do things, it just does its thing in the background and I get money! **What do you dislike about GoCardless?** The only issue I've had is when trying to set up a multiple signatory account and I had to resend the mandate email to the client multiple times, as it kept getting lost. The process in terms of doing it via xero for gocardless is a bit tricky as you have to sign into the gocardless itself, which isn't hard, once you know to do that. Also the sign in process is a bit clunky. You sign into go cardless then it redirects you to the xero for gocardless, then you have to log in a bit more... But since I do it so infrequently its not an issue. **What problems is GoCardless solving and how is that benefiting you?** I have invoices, customers have money. Go cardless takes their money and gives most of it to me. I get paid on time and for only a small charge. The benefit of being paid on time is worth it alone! The fact that it auto submits that data to my accounts package is a bonus. ### 47. Complicated and annoying **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Computer Software | Small-Business (50 or fewer emp.) **Reviewed Date:** January 11, 2022 **What do you like best about GoCardless?** - Simple integration with xero - SSO - quick responses from support **What do you dislike about GoCardless?** - UI is confusing - Support wasn't very helpful or knowledgeable - Verification process was opaque and annoying - They closed my account without reason - There is a low ACH limit which they dont make very clear **Recommendations to others considering GoCardless:** I wouldn't reccomend **What problems is GoCardless solving and how is that benefiting you?** - Collecting payments from customers - Paying out payments to bank account - ACH debits ### 48. Seamless and reliable **Rating:** 4.5/5.0 stars **Reviewed by:** Jon N. | Co-Founder and Director, Computer Software, Small-Business (50 or fewer emp.) **Reviewed Date:** November 04, 2021 **What do you like best about GoCardless?** I like the fact that you can set it and forget it **What do you dislike about GoCardless?** When we get notification of a cancellation, we have to click on link, login to the platform, then go back to the email and click on the link again to take to the required page. **Recommendations to others considering GoCardless:** Just do it, you'll never look back **What problems is GoCardless solving and how is that benefiting you?** On-time payments and automatic resolution of payment son xero. ### 49. A Great, Reliable, Timesaving Service **Rating:** 5.0/5.0 stars **Reviewed by:** David K. | UX Designer and Consultant, Small-Business (50 or fewer emp.) **Reviewed Date:** July 22, 2021 **What do you like best about GoCardless?** Setting up a new client is effortless and very frictionless - monitoring payments and keeping track of many clients is also very easy. **What do you dislike about GoCardless?** The fees - I know they're a necessity, and to be fair, the cost incurred is fastly less than the time/effort to pursue clients for payment. The removal of a referral incentive is a shame too. **What problems is GoCardless solving and how is that benefiting you?** I am streamlining onboarding clients to recurring payments and subscriptions to the services my company offers. ### 50. Good 3rd party service that syncs well with Xero **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Legal Services | Small-Business (50 or fewer emp.) **Reviewed Date:** November 12, 2021 **What do you like best about GoCardless?** Pulls the invoice details from Xero into GoCardless and matches to client. Allows easy registration for new clients. Split payments for invoices easy to set up. **What do you dislike about GoCardless?** Xero cannot reconcile all of the payments through GoCardless. Cannot easily set code to have some clients register for repeat invoicing and autopayment of full invoice, and others for single invoice with split payments in instalments. **What problems is GoCardless solving and how is that benefiting you?** Great way to make sure clients will pay you if you provide services and invoice at the end. Also removes barrier to sign up for direct debit, as no payment default penalty. ## GoCardless Discussions - [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 - [What do I do about pending payments](https://www.g2.com/discussions/what-do-i-do-about-pending-payments) - 1 comment, 1 upvote - [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 - [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 - [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 - [View GoCardless pricing details and edition comparison](https://www.g2.com/products/gocardless/reviews?page=3&qs=pros-and-cons§ion=pricing&secure%5Bexpires_at%5D=2026-07-28+05%3A20%3A52+-0500&secure%5Bsession_id%5D=9a5be4dc-4c23-4b2d-bfb4-ba0536bb12f3&secure%5Btoken%5D=ae78761fc714d136a17f78952bf1d3ff5d4d0bc9bbdd496e4b13bbba44a456ed&format=llm_user) ## GoCardless Integrations - [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) - [Xero](https://www.g2.com/products/xero/reviews) ## GoCardless Features **Payment Options** - Recurring Billing - Instant Payment - ACH Payments and eCheck Processing - Multi-Currency - Online payment portal **Billing and Payments** - Payment Terms - Personalized Billing **Payment Methods** - ACH **Administration - Installment Payment and Buy Now Pay Later (BNPL)** - Email Notifications - Invoicing **Payment Processing** - Encryption **Agentic AI - Accounting & Finance** - Autonomous Task Execution **Administration** - Reporting/Dashboards - User, Role, and Access Management - Payout Time - Manual Payment Entry - Omnichannel **Revenue Recognition** - Usage Tracking - Deferred Revenue - Revenue Accrual **Payment Processing ** - Batch Processing - Payments Scheduling - Automated Workflows - Self Service - Reconciliation - Settlements - Payment Tracking **Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)** - Payment Gateway - Payment Tracking - Payment Scheduling **Administration** - Reporting & Analytics - E-commerce Integration - Processing Fees - Omnichannel **Security** - Data Tokenization - Two-Factor Authentication **Revenue Optimization** - At-Risk Customers - Customer Churn - Revenue Forecasting **Security and Compliance** - SSL Encryption **Payment Options** - Multi-Currency - Online payment portal **Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features** - Adaptive Learning - Proactive Assistance - Decision Making **Development** - Customization (Fields, Objects, and Layouts) - APIs - Accounting Software Integration - E-Commerce Software Integration **Integration** - Agnostic Integration - Reporting Consolidation - Plugins and APIs **Platform** - Performance and Reliability - Internationalization - Currency/Language - Internationalization - Operating Country - API / Integrations - Accounting integration - E-commerce Integration **Platform** - Accounting integration - E-commerce Integration **Payment Types** - AP Automation **Agentic AI - Payment Gateways** - Autonomous Task Execution - Cross-system Integration - Decision Making **Agentic AI - Enterprise Payment** - Adaptive Learning ## Top GoCardless Alternatives - [PayPal Payments](https://www.g2.com/products/paypal/reviews) - 4.4/5.0 (2,688 reviews) - [Payoneer](https://www.g2.com/products/payoneer/reviews) - 3.2/5.0 (364 reviews) - [Square Payments](https://www.g2.com/products/square-payments/reviews) - 4.5/5.0 (168 reviews)