# 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 appreciate the **seamless automation** of GoCardless, simplifying recurring payments and reducing administrative effort. (8 reviews) - Users enjoy the **ease of use** of GoCardless, appreciating its seamless automation and organized dashboard for payments. (8 reviews) - Users appreciate the **seamless automation** of GoCardless, simplifying cash flow management and reducing administrative tasks. (6 reviews) - Users value the **seamless automation** of GoCardless for efficient management of recurring payments and cash flow. (5 reviews) - Users value the **seamless integrations** of GoCardless, enhancing efficiency with accounting and e-commerce platforms. (5 reviews) - Users value the **helpful customer support** of GoCardless, making setup and usage significantly easier. (4 reviews) - Users value the **easy integrations** of GoCardless, enhancing payment processes across various systems and platforms. (4 reviews) - Users value the **reliability** of GoCardless, appreciating its efficient handling of recurring transactions with no late payments. (4 reviews) - Speed (4 reviews) - Subscription Management (4 reviews) **What users dislike:** - Users experience **payment issues** , including delays, verification problems, and integration challenges with invoicing systems. (7 reviews) - Users experience **slow payments** with GoCardless, leading to administrative burdens and complications with client onboarding. (5 reviews) - Users find the **high fees** burdensome, especially for small payments, impacting cash flow and client setup. (4 reviews) - Users experience **billing issues** with GoCardless, including delayed payments and verification problems that disrupt transactions. (3 reviews) - Users find the **fees to be high** , especially for small payments, affecting their cash flow negatively. (3 reviews) - Payment Delays (3 reviews) - Payment Processing (3 reviews) - Users express frustration with **poor customer support** , citing difficulties in reaching help and lack of communication. (3 reviews) - Service Reliability (3 reviews) - Slow Performance (3 reviews) ## GoCardless Reviews ### 1. GoCardless:Effortless Recurring Payments. **Rating:** 5.0/5.0 stars **Reviewed by:** ADITYA T. | Software Engineer, Mid-Market (51-1000 emp.) **Reviewed Date:** October 29, 2025 **What do you like best about GoCardless?** What I like best about GoCardless is its seamless automation of recurring payments and direct debits. It reduces administrative effort and ensures timely transactions, making cash flow management simple and reliable for both businesses and customers. **What do you dislike about GoCardless?** One drawback of GoCardless is that payment processing times are sometimes slower than anticipated. Additionally, the reporting features could be more comprehensive, offering greater detail to help users better understand transaction trends and customer behavior. **What problems is GoCardless solving and how is that benefiting you?** GoCardless addresses the difficulties of handling recurring and automated payments with efficiency. It removes the burden of manual billing, helps to cut down on payment delays, and reduces the likelihood of transaction errors. Through the automation of direct debits, it enhances the predictability of cash flow and enables greater attention to be given to growing the business instead of chasing payments. ### 2. Easy Integration and Simple DDR Setup for Clients **Rating:** 5.0/5.0 stars **Reviewed by:** John J. | Hertford Accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** April 30, 2026 **What do you like best about GoCardless?** Easy to integrate with our accounts and clients can easily set up their DDR **What do you dislike about GoCardless?** Old fashioned interface and limited dashboard **What problems is GoCardless solving and how is that benefiting you?** Collecting payment for work done easily and on time ### 3. Effortless Payments and Setup with GoCardless **Rating:** 0.0/5.0 stars **Reviewed by:** simon g. | Mobile App Developer and Website Builder and SEO Services, Small-Business (50 or fewer emp.) **Reviewed Date:** November 23, 2022 **What do you like best about GoCardless?** I like the ease of taking payments automatically with GoCardless. The ease of use and setting up new accounts is beneficial, as creating the subscriptions and time frames is so simple. The initial setup of GoCardless was extremely easy, which adds to its value. **What do you dislike about GoCardless?** Nothing, it works really well for what I require. **What problems is GoCardless solving and how is that benefiting you?** I use GoCardless for taking client payments automatically. It's super easy to set up new accounts and create subscriptions with simple time frames. ### 4. Useful for collecting money but could be better **Rating:** 4.0/5.0 stars **Reviewed by:** João S. | IT, Telecommunications, Small-Business (50 or fewer emp.) **Reviewed Date:** June 03, 2025 **What do you like best about GoCardless?** It help us a lot to collect payments from our partners using direct debit. It gives us security that we will receive, and we don’t need to wait too long or send many reminders. Most of the process is automatic, which save us a lot of time every month. **What do you dislike about GoCardless?** In our personal case, we had some problems with the QuickBooks integration. The payments are not always matched correctly with the right invoices. It doesn’t mark the invoice as paid automatically like we expected, so our finance team still need to check and organize who paid what. It creates a bit more work for us, even if the money is already on our side. **What problems is GoCardless solving and how is that benefiting you?** to avoid payment delays. Before, many partners forgot to pay or took too long. Now, we control the collection and we are sure that the money comes. Even if the integration is not perfect, we still prefer to have the money coming than waiting for someone to pay manually. ### 5. Good tool for getting paid, but could be faster **Rating:** 4.0/5.0 stars **Reviewed by:** Isabel . | marketing, Small-Business (50 or fewer emp.) **Reviewed Date:** June 03, 2025 **What do you like best about GoCardless?** We use GoCardless to charge our partners by Direct Debit. It works fine and helps us to be sure we will get the money. No more chasing people to pay invoices. Once the setup is done, it works almost automatic and gives peace of mind. We can focus on the work, not on payments. **What do you dislike about GoCardless?** I think the fee is a bit high, especially if you have small payments. Also, it takes a few days until we get the money in our bank account after the client pays. I wish it was faster, like 2 days max. Sometimes we need the cashflow more quick. **What problems is GoCardless solving and how is that benefiting you?** Before GoCardless we had to send reminders to our partners and wait a lot until they pay. Some forget, some delay, and that creates problems for our finance team. Now everything is automated. We can send the Direct Debit link once and next time the invoice is paid on time. Much more easy and less stress. ### 6. Easy way to get paid always on time **Rating:** 4.5/5.0 stars **Reviewed by:** Miguel R. | CTO, Small-Business (50 or fewer emp.) **Reviewed Date:** June 03, 2025 **What do you like best about GoCardless?** I like that I don’t need to chase clients for payments anymore. We setup the Direct Debit one time and after that the money come on the right day. No stress, no need to send reminders. It save us lot of time and we know every invoice will be paid. **What do you dislike about GoCardless?** Comissions are a bit high and it is difficult to convince clients to setup the DD mandate in the beginning, they get confused or think is complicated. Also the dashboard sometimes feel too much, I just want to see simple info fast. Support reply ok but sometimes take time. **What problems is GoCardless solving and how is that benefiting you?** Before we was losing time sending emails and waiting clients to pay invoices. Sometimes they forget, or pay late, and that make problems for our cashflow. With GoCardless we just activate the Direct Debit and the payments come automatically. We don’t need to remind or ask again. It’s good to have control and no more overdue invoices. ### 7. Streamlining Payments with GoCardless, Despite some Dalays Experienced **Rating:** 4.5/5.0 stars **Reviewed by:** Sunnysher H. | Digital Marketing Expert , Medical Practice, Small-Business (50 or fewer emp.) **Reviewed Date:** September 26, 2025 **What do you like best about GoCardless?** GoCardless facilitates bank to bank transfers, which are way cheaper and faster without extra charges The software is convenient and reliable in handling recurring transactions and no late payments recorded GoCardless connects with multiple accounting services including Sage, Xero, and others **What do you dislike about GoCardless?** Some payments take longer to reflect, snd this delays considerably hurts Often, bank accounts can be frozen and this can affect the reliability of this application **What problems is GoCardless solving and how is that benefiting you?** In our company, we have multiple users who consistently subscribe to our services, and we use GoCardless as the primary platform for payments The platform ensure no processing costs, and this amplifies the productivity efficiency Most of accounting apps operates with this tool, and this makes it easy to conduct reconciliations GoCardless is proficient in managing fraud and proper verification processes are made ### 8. Robust Rool for Automating Recurring Expenses , but Has Verification Issues **Rating:** 4.0/5.0 stars **Reviewed by:** Mikes L. | Senior Accountant , Information Technology and Services, Small-Business (50 or fewer emp.) **Reviewed Date:** September 11, 2025 **What do you like best about GoCardless?** GoCardless has eliminated all the recurring costs when processing payments using debit or credit cards The process of revenue payment is fully simplified by the app Multiple accounts systems or apps are fully integrated with GoCardless We consistently predict the possible revenue or cash a company will generate **What do you dislike about GoCardless?** Payments with GoCardless takes longer to clear and reflect than other payment options We face constant verification issues, that results to delayed payments **What problems is GoCardless solving and how is that benefiting you?** We use GoCardless in managing all the recurring expenses or payments like subscriptions and invoices The possibilities of failed payments are very minimal and we have eliminated losses in our business The transaction costs are consistently managed or reduced by the app ### 9. Very useful for recurring payments **Rating:** 4.0/5.0 stars **Reviewed by:** Rui R. | CSO, Small-Business (50 or fewer emp.) **Reviewed Date:** June 03, 2025 **What do you like best about GoCardless?** It’s simple to use and works great for collecting subscriptions automatically. We don’t need to worry about chasing customers, and everything is well organized in the dashboard. **What do you dislike about GoCardless?** Sometimes the payouts take a bit long, especially with new customers and comissions are high. Also, we miss the option to accept card payments directly. **What problems is GoCardless solving and how is that benefiting you?** GoCardless helps us automate all our recurring payments, so we don’t lose time with manual work or chasing late payments. ### 10. User-Friendly Platform with Outstanding Support **Rating:** 5.0/5.0 stars **Reviewed by:** Dimitrios K. | Finance Operations manager, Mid-Market (51-1000 emp.) **Reviewed Date:** November 07, 2025 **What do you like best about GoCardless?** User friendly platform, amazing customer support **What do you dislike about GoCardless?** The first year went really smoothly. Nothing to dislike **What problems is GoCardless solving and how is that benefiting you?** Payment collections made easy and significant amount of time saved from dunning ## 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/gocardless-review-4334043?section=pricing&secure%5Bexpires_at%5D=2026-05-03+15%3A31%3A01+-0500&secure%5Bsession_id%5D=75ae2978-c692-4a36-b3c6-8a1c912cbf46&secure%5Btoken%5D=f564e96f1200682f0ec8584d4e13d0afdf754e04e33877bff4646cfedb95325d&format=llm_user) ## GoCardless Integrations - [QuickBooks Online](https://www.g2.com/products/quickbooks-online/reviews) - [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) - [Wise Business](https://www.g2.com/products/wise-business/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 (2,663 reviews) - [Payoneer](https://www.g2.com/products/payoneer/reviews) - 3.2/5.0 (358 reviews) - [Square Payments](https://www.g2.com/products/square-payments/reviews) - 4.5/5.0 (165 reviews)