# 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 **convenience** of GoCardless, enjoying automated subscription collection without payment reminders. (8 reviews) - Users value the **ease of use** of GoCardless, enjoying automated payment collections and simplified revenue management. (8 reviews) - Users appreciate the **automation of payments** with GoCardless, simplifying subscription management and improving cash flow. (6 reviews) - Users appreciate the **efficiency** of GoCardless, as it simplifies payment management and forecasting significantly. (5 reviews) - Users appreciate the **helpful customer support** of GoCardless, enhancing their overall experience with the product. (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, facing slower processing times and verification delays impacting their workflow. (6 reviews) - Users experience **slow payments** with GoCardless, causing delays and frustration in transaction processing and verification. (5 reviews) - Users experience **billing issues** with GoCardless, facing delayed payments and complications with account verification. (3 reviews) - Users find the **high fees** and slow payouts frustrating, impacting their cash flow and overall experience. (3 reviews) - Users experience significant **payment delays** with GoCardless, impacting cash flow and reliability of transactions. (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. Quick and efficient **Rating:** 5.0/5.0 stars **Reviewed by:** Antonia M. | Foundatrice et Animatrice, Small-Business (50 or fewer emp.) **Reviewed Date:** February 09, 2021 **What do you like best about GoCardless?** Easy set up. Great reporting. Updates about service problems in real time. Ability to cancel an automatic payment between the time it's billed and the time the payment is made (eg. if one of my coworkers cancels their subscription late). **What do you dislike about GoCardless?** Nothing so far! It's all automatic, with some flexibility. **Recommendations to others considering GoCardless:** Go for it! **What problems is GoCardless solving and how is that benefiting you?** Monthly billing payment is super easy and set up by my clients. Less admin time for me, and I’m sure to be paid on time without those tricky reminder conversations. ### 2. Easy to use **Rating:** 4.0/5.0 stars **Reviewed by:** Helen W. | P, Small-Business (50 or fewer emp.) **Reviewed Date:** July 23, 2021 **What do you like best about GoCardless?** It is very simple to use and straight forward **What do you dislike about GoCardless?** some payments get stuck as "pending" and it can be a confusing as how to resolve. **Recommendations to others considering GoCardless:** Makes invoice payments very easy **What problems is GoCardless solving and how is that benefiting you?** Paid invoices all done very quickly and effortlessly. ### 3. Simply to use payment platform **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Marketing and Advertising | Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2021 **What do you like best about GoCardless?** GoCardless has allowed us to create effortless payments for our subscription services. It integrates into Xero for us is great and we can receive payments from all over the world. **What do you dislike about GoCardless?** I don't dislike anything about the platform. **What problems is GoCardless solving and how is that benefiting you?** Clients find it simple to use, fill in payment details and that's it. For us being able to collect payments in a simple way allows us to focus on our business. ### 4. Excellent experience | Easy to use | I recommend **Rating:** 5.0/5.0 stars **Reviewed by:** Grégory C. | C, Small-Business (50 or fewer emp.) **Reviewed Date:** February 03, 2021 **What do you like best about GoCardless?** Setting up the withdrawals is very easy and tracking on the dashboard is very user-friendly. I recommend it! **What do you dislike about GoCardless?** I am having trouble obtaining the details of the payments made for my accountant, and I don't know if it's possible to issue invoices each time a payment is made (particularly for subscriptions). **Recommendations to others considering GoCardless:** Yes, I fully recommend **What problems is GoCardless solving and how is that benefiting you?** I have resolved my issues with bill payments and monthly subscription deductions. ### 5. Excellent Service **Rating:** 5.0/5.0 stars **Reviewed by:** Stoyan T. | Small-Business (50 or fewer emp.) **Reviewed Date:** December 22, 2020 **What do you like best about GoCardless?** Go Cardless allows me to collect payments from my customers via Direct Debit. This feature alone saved me a lot of hassle, where I used to ask my customers for their card details to process payments. Many of them were not happy to do that over the phone. Also the cost of using Go Cardless is much less than card processing vendors. **What do you dislike about GoCardless?** The least helpful is that I have to wait 1 day to receive my payments, which is still better than 3 days for card processing merchants. I see no downsides. **What problems is GoCardless solving and how is that benefiting you?** Reduced cost, and being much more professional. ### 6. Saved me so much time chasing late bills! **Rating:** 4.5/5.0 stars **Reviewed by:** Mark N. | Multilingual Web Specialist, Small-Business (50 or fewer emp.) **Reviewed Date:** February 03, 2021 **What do you like best about GoCardless?** It has a really simple interface that is easy for me to use and for my customers to use to sign up! **What do you dislike about GoCardless?** Nothing! Everything is great and I don't have any suggestions to make it better. **What problems is GoCardless solving and how is that benefiting you?** I used to have to spend hours and hours to chase up unpaid monthly bills from the same customers again and again. With GoCardless, they fill in a simple online form and I get certainty about when I will be paid. ### 7. Fundraising coordinator **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Mid-Market (51-1000 emp.) **Reviewed Date:** November 19, 2020 **What do you like best about GoCardless?** GoCardless has freed us from the paper processing of direct debits and has allowed us to promote direct debit as the preferred payment method for monthly donations. **What do you dislike about GoCardless?** It is not possible to export information including the bank holding the account, which complicates identifying the cause of certain payment interruptions. The search function is very precise, which does not make it easy to search for names with accents, for example. It also does not allow searching for subscriptions by reference. Finally, many clients are created in duplicate due to the lack of a duplicate detection tool. **What problems is GoCardless solving and how is that benefiting you?** Highlighting the direct debit has allowed us to reduce the rate of monthly donation interruptions. With the IBAN provided on our donation page, the payment solution is completely invisible to donors, making the act of donating simpler. The GoCardless API allows us to automate part of the recording of interruptions, which enables us to devote more time to our actions and less to fundraising. ### 8. Saves money, saves time and saves effort **Rating:** 5.0/5.0 stars **Reviewed by:** Colin S. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2021 **What do you like best about GoCardless?** Once my customers have signed up to GoCardless I see my customer retentions go up as they are showing commitment to my products. **What do you dislike about GoCardless?** Integrate it with Quickbooks. It takes 4 to 6 days for funds debited to customers to reach my bank account. **What problems is GoCardless solving and how is that benefiting you?** Avoiding high Paypal charges and save time with payments that have to be deferred with holidays etc. ### 9. GC has been great for business **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Public Relations and Communications | Small-Business (50 or fewer emp.) **Reviewed Date:** August 25, 2020 **What do you like best about GoCardless?** What I have found is that it has helped manage payments for pay monthly clients. We have cut down the time of chasing payments and love that it notifies us when someone has cancelled their direct debit. It has created a more seamless process which has cut admin time down. **What do you dislike about GoCardless?** There is not much we dislike as a business. When we first started using it, we didn't like the fee part but built that into our monthly retainer costs so that it was covered. **Recommendations to others considering GoCardless:** This is a great way to be in control of monthly or project based payments. If you don't want to be chasing people/ companies and they are happy to have a direct debt set up, I would highly recommend investing. It has saved us time and money and been so easy to use. **What problems is GoCardless solving and how is that benefiting you?** We have solved payment issues and created a sleeker process when working with businesses and brands who don't have 7, 14, 21 or 30 day invoice terms. If we are working on a project that is a set amount of time or months, we know when payments are due and let's us be in control. Helped us look more professional and on the ball. ### 10. Go Cardless provides a stress free, organised and safe way to collect funds from your clients. **Rating:** 5.0/5.0 stars **Reviewed by:** Trish C. | Small-Business (50 or fewer emp.) **Reviewed Date:** November 01, 2020 **What do you like best about GoCardless?** Weekly email stating every client and how much they have paid me, no need to troll through the customer list to find out. The ease of setting up new payment plans and adding your client list to them. The super low fee's mean more money stays in my pocket. **What do you dislike about GoCardless?** That I didn't find it sooner! Go Cardless removes all money hassles from your life. **Recommendations to others considering GoCardless:** Anyone in the fitness industry should use Go Cardless. There is no more worrying about money being collected, no more cash, no more excuses. By using Go Cardless you become professional, organised, properly paid and become stress free to spend your time on other areas of your business. **What problems is GoCardless solving and how is that benefiting you?** When a client doesn't have enough money in their account, Go Cardless re-try three times at no cost to you. This is amazing! Now when I get an alert, I don't have to follow up as I know Go Cardless have got my back. ### 11. Great for Cashflow management **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** October 29, 2020 **What do you like best about GoCardless?** Simple process for both the business to take payments and for Customers to sign-up. The process is really simple. The set and forget recurring payments is really good but this is available in other payment software. The best thing with Gocardless is it allows direct debit from bank accounts which is a superior method in terms of ongoing administration of customer's payment details for direct debit. The fees are also very reasonable compared to Stripe and Paypal credit card gateway providers. Gocardless has made it as dispute-proof as much as they can for businesses in terms of possibilities of disputes with payment. **What do you dislike about GoCardless?** It takes 3 business days to clear the bank. The risk lies in the 3 business days where the payments could fail and services has been provided. In Australia, there's no bankfeed to Quickbooks Online. Available for Xero at the moment but Xero's customer service is frustrating to say the least whereas Quickbooks has customer support over the phone with screenshare. So currently have to import manually the transactions to Quickbooks which is a bit of a manual process. **Recommendations to others considering GoCardless:** Highly Recommended and definitely worth the wait for the setup due to stringent proof of legal documents for the entity. **What problems is GoCardless solving and how is that benefiting you?** Recurring payments is made much easier. There's a lot less work with chasing after customers for payment. It's been great for Cashflow Management . ### 12. rich and convenient API integration method **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Computer Software | Enterprise (> 1000 emp.) **Reviewed Date:** May 24, 2021 **What do you like best about GoCardless?** Provides a very rich and convenient API integration method, and a background that is very convenient for financial and operation personnel to operate **What do you dislike about GoCardless?** a little complicated about managing the mandate，we hope we can directly use one api to easily create the mandate **Recommendations to others considering GoCardless:** Very recommended, customer service and research and development are very good **What problems is GoCardless solving and how is that benefiting you?** Regarding the creation of the API and how to publish our own cash register page, they responded very quickly and were able to answer our questions ### 13. Very easy direct debit **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Telecommunications | Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2021 **What do you like best about GoCardless?** We use Gocardless and QuickBooks integration. We can send signups and create payment requests from within our accounts package. QuickBooks them marks the invoice as paid when the money arrives in the bank. **What do you dislike about GoCardless?** I don't like the wait between customer sign up and being able to Bill, but that maybe more to do with the direct debit system than with gocardless **What problems is GoCardless solving and how is that benefiting you?** Customers are becoming more accepting of direct debit, so we control the cash flow and don't spend time chasing payments. ### 14. The process is simple and easy to handle. The rest in 2 words: flexibility and serenity. **Rating:** 5.0/5.0 stars **Reviewed by:** Grégory M. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** February 04, 2021 **What do you like best about GoCardless?** The ability to create payment plans and redirect to a thank you webpage for each plan, the peace of mind in collection, and minimal fees. **What do you dislike about GoCardless?** I would have liked the tool to generate an invoice per plan per client. It's easily possible because Gocardless has all the data to be able to do it. Surely a possible development. To be continued then. **Recommendations to others considering GoCardless:** Don't hesitate: you will save time and gain peace of mind!!! **What problems is GoCardless solving and how is that benefiting you?** No more headaches in the settlement, no collection or follow-ups to do! ### 15. 5 good reasons to switch to Gocardless **Rating:** 5.0/5.0 stars **Reviewed by:** Julien M. | Développeur web, Small-Business (50 or fewer emp.) **Reviewed Date:** February 03, 2021 **What do you like best about GoCardless?** - The price - The quality of listening - The simplicity - The platform - The transparency **What do you dislike about GoCardless?** The VAT that was recently added due to the current conditions. **Recommendations to others considering GoCardless:** Gocardless greatly respects its customers. It is more than convenient and especially much more accessible than the offers from banks or others for starting out. **What problems is GoCardless solving and how is that benefiting you?** No problem at the moment that would be due to Gocardless, only benefits. Cheaper than a bank, more control, more simplicity in execution. Autonomous and above all easy to use even when you have different payments to make. ### 16. Great Simple Service **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Performing Arts | Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2021 **What do you like best about GoCardless?** Easy to use GUI for customers to sign up with only a couple of clicks! **What do you dislike about GoCardless?** Back end could be easier to use, more bulk action options **What problems is GoCardless solving and how is that benefiting you?** Cash flow has become better. Less chasing people. Saves times ### 17. Predictable receipts **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** May 26, 2021 **What do you like best about GoCardless?** I get paid on time, every time, without having to chase. **What do you dislike about GoCardless?** There is very little that I dislike, but if I needed to say something, then payments could be faster. **What problems is GoCardless solving and how is that benefiting you?** Predictable cash flow ### 18. When GoCardless rhymes with simplicity and efficiency! **Rating:** 5.0/5.0 stars **Reviewed by:** Julien K. | Consultant en communication, Small-Business (50 or fewer emp.) **Reviewed Date:** February 03, 2021 **What do you like best about GoCardless?** I love everything! GoCardless is connected with my billing CRM so I don't need to enter the direct debits, they are done with a simple click on Evoliz. I have gained peace of mind with cash flow because 99.99% of the debits are executed without payment failure. **What do you dislike about GoCardless?** So far I have found nothing to complain about regarding GoCardless! **What problems is GoCardless solving and how is that benefiting you?** Customer defaults are rare since I started using GoCardless. As a result, I save time on managing my business because I hardly have any follow-ups to do. ### 19. Integration with Xero is seamless! **Rating:** 4.5/5.0 stars **Reviewed by:** Richard A. | Small-Business (50 or fewer emp.) **Reviewed Date:** November 01, 2020 **What do you like best about GoCardless?** The integration with Xero accounting makes GoCardless a fantastic software solution. Everything just works as it should. **What do you dislike about GoCardless?** The only marginal improvement that could be made, is a mass selection option to send reminders to join gocardless. At the moment you need to enter each customer specifically and click it. A very marginal problem. **Recommendations to others considering GoCardless:** If using Xero, I see no reason why you shouldn't sign up! **What problems is GoCardless solving and how is that benefiting you?** Collection of payment from customers is easier. We also incentivise customers to use GoCardless to help reduce our admin costs in the future and chasing debt ### 20. Really efficient and affordable **Rating:** 5.0/5.0 stars **Reviewed by:** Kamel L. | F, Small-Business (50 or fewer emp.) **Reviewed Date:** February 03, 2021 **What do you like best about GoCardless?** efficiency and small fees rates. No issues **What do you dislike about GoCardless?** Really nothing as it's working smoothly **What problems is GoCardless solving and how is that benefiting you?** I no longer chase after my clients to get paid. The automatic debits, which are so easy to set up, have helped maintain the stability of my cash flow. ### 21. You should be using GoCardless NOW! **Rating:** 5.0/5.0 stars **Reviewed by:** Chris H. | Advisor, Small-Business (50 or fewer emp.) **Reviewed Date:** November 10, 2020 **What do you like best about GoCardless?** Very easy process to set up and link accounts. Love the integration with Xero! If every piece of technology we used was this easy to use, life would be so easy! **What do you dislike about GoCardless?** I haven't found a part of GC that I don't like as of yet. **Recommendations to others considering GoCardless:** We have tried multiple processors and found a new home with GoCardless. If you are frustrated with any other solution, you should try GC now and simplify your life! **What problems is GoCardless solving and how is that benefiting you?** Easy transaction processing for a low fee. ### 22. Very good payment provider **Rating:** 5.0/5.0 stars **Reviewed by:** PATRICK P. | gerant, Small-Business (50 or fewer emp.) **Reviewed Date:** February 10, 2021 **What do you like best about GoCardless?** They are very good and responsive. They simplify everything. **What do you dislike about GoCardless?** The communications are in English. They forget their French-speaking customers. **Recommendations to others considering GoCardless:** it's very good **What problems is GoCardless solving and how is that benefiting you?** GC easily groups the samples. They simplify the tracking. ### 23. The simple and affordable direct debit **Rating:** 4.0/5.0 stars **Reviewed by:** Nathanael B. | P, Small-Business (50 or fewer emp.) **Reviewed Date:** February 23, 2021 **What do you like best about GoCardless?** Automatic reminders in case of a payment issue **What do you dislike about GoCardless?** The QuickBooks integration is missing, for example. **What problems is GoCardless solving and how is that benefiting you?** I was able to add a collection service for my clients ### 24. GoCardless was easy to set up and helped put my business into motion in no time! **Rating:** 4.5/5.0 stars **Reviewed by:** Robert P. | Small-Business (50 or fewer emp.) **Reviewed Date:** August 25, 2020 **What do you like best about GoCardless?** I like the ability of having multiple subscriptions for different online services I sell, and being able to customise the recurrence settings as well as the payment dates. Another cool feature I really like is being able to monitor pending transactions, my current list of costumers, as well as a history of payouts and refunds. Also, a useful feature I like is that the payouts can go directly into my bank account instead of staying in GoCardless and having to withdraw the money manually as was with PayPal, the previous payment system I used for my business needs, before moving to GoCardless. **What do you dislike about GoCardless?** I wish the dashboard/admin area UI would be a bit tidier and more intuitive overall. I need to go through all the settings and options before finding what I need, sometimes. I don't like that the current payout pending time is 2 days and I have to wait that long until the actual payment hits my bank account. I also dislike not being able to edit or update plans/subscriptions prices. The only options seems to be to transfer the customer to a different (new) plan, which is quite annoying. **Recommendations to others considering GoCardless:** Try it and you'll see the difference it makes for your business! **What problems is GoCardless solving and how is that benefiting you?** Because of GoCardless I am able to run an online business as a freelancer and charge my clients on a monthly basis for things such as monthly website maintenance, and other similar packages I sell to my clients as a web developer. ### 25. Recommending GoCardless for Xero customers **Rating:** 4.0/5.0 stars **Reviewed by:** Jeff L. | Chief Technology Officer, Small-Business (50 or fewer emp.) **Reviewed Date:** August 24, 2020 **What do you like best about GoCardless?** I choose GoCardless for payments because of its integration with the Xero accounting software. Switching payment providers was painless. Adding online payments to new and existing customer entries in Xero is simple. If you are an existing Xero customer, you should definitely try GoCardless. **What do you dislike about GoCardless?** GoCardless meets my needs in a payment provider. In using for the last four months, I haven't noticed anything that I dislike. **What problems is GoCardless solving and how is that benefiting you?** I use GoCardless to give my clients the ability to pay by ACH. My clients are paying me faster. For clients that are using ACH, I no longer have to deal with hassles of paper checks such as the check getting lost in the mail. ### 26. Very easy to set up and use **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2021 **What do you like best about GoCardless?** The ease that I can collect my direct debts and everythig runs smoothly **What do you dislike about GoCardless?** You have to login to go cardless then loginto go cardless for xero you cant go straight into the xero version this would save a little time **What problems is GoCardless solving and how is that benefiting you?** we now get paid on time with no need to chase customers ### 27. GoCardless makes getting paid easy **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Telecommunications | Small-Business (50 or fewer emp.) **Reviewed Date:** March 16, 2021 **What do you like best about GoCardless?** Simple to setup, easy to use, minimal red tape, fantastic automatic processing of our Xero generated bills. **What do you dislike about GoCardless?** I have yet to find a dislike or a downside **What problems is GoCardless solving and how is that benefiting you?** Getting regular payments on time without chasing is a problem of the past. ### 28. Very easy product to use **Rating:** 5.0/5.0 stars **Reviewed by:** Andrew J. | Small-Business (50 or fewer emp.) **Reviewed Date:** May 19, 2020 **What do you like best about GoCardless?** Simplicity of setting up a DD for a customer to pay a regular or one off invoice. The process is very easy and in less than a minute you can have sent the request for your customer to set up the DD. All they need to enter is their name, company name and bank details and that is it. Once the DD is set up you get an email confirming this and you can then request the payment. Once payment is made you receive a summary of who has paid you in an email. The system is very flexible and can be used for one off invoices, regular invoices or subscription payments. Once you have set up a regular payment you can easily see the payment dates for this in the customer folder. **What do you dislike about GoCardless?** The dashboard could be slightly simpler to use **What problems is GoCardless solving and how is that benefiting you?** Payment of invoices to customers are paid automatically without further involvement form either ourselves or by the customer ### 29. Really easy to setup and use, works well with WaveApps **Rating:** 5.0/5.0 stars **Reviewed by:** Maurice B. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** May 19, 2020 **What do you like best about GoCardless?** The best thing about the GoCardless platform is that all the hard work is done for you.All the links after setting up the payment plans are handled by them with the customer banks. Makes setting up Direct Debits so much easier. Plus the menu system is really easy to understand and its really quick to set up monthly payment plans. **What do you dislike about GoCardless?** Nothing. I can't find any fault at all in it. It's perfect for my business. **Recommendations to others considering GoCardless:** Simplest and easiest solution for small businesses looking for monthly or regular payment solutions in an automated format. It's easy to use and makes signing up new customers so much easier. Also helps with customer retention and promotion because of it's easy setup from a customer perspective. And it's not expensive at all. **What problems is GoCardless solving and how is that benefiting you?** The most important thing about GoCardless is that it has automated my services with my customers. fewer client dropoffs and payment on time because of the automated nature of Direct Debit has huge benefits over monthly invoicing. ### 30. A good service for Recurring transfers in the EU **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Marketing and Advertising | Small-Business (50 or fewer emp.) **Reviewed Date:** February 10, 2021 **What do you like best about GoCardless?** That the setup was very simple and that the customer experience has been fluid for the past 3 years. **What do you dislike about GoCardless?** The fact that sometimes transfers from accounts may take a little longer than usual when updating dates or products. **What problems is GoCardless solving and how is that benefiting you?** Billing clients in the EU with very very low fees compared to Stripe and other providers. ### 31. Great system, saves time and money **Rating:** 5.0/5.0 stars **Reviewed by:** Sam T. | Small-Business (50 or fewer emp.) **Reviewed Date:** May 12, 2020 **What do you like best about GoCardless?** As I started a new venture away from farming into storage i wanted a system that saves me time and easily accessible on the move, the system works for me in such a way that I do not have to make my way to the office if I notice a problem, I can deal with it easily on my mobile. The system is extremely user friendly and links beautifully with the accounting software Xero. This linking of online systems saves time and money, and the reconciliation is done at the click of a button. With a glance I can see who is set up and if any changes occur I am informed instantly. I highly recommend GoCardless as the online payment system for small business like my own. My customers also like that they are not handing over there account details and the system can be set up from a button on the invoice. All in all I highly recommend GoCardless. **What do you dislike about GoCardless?** I cant think of a single thinking that I dislike about GoCarless, I suppose the fee's are slightly higher than I would like, but I think I would say this about any system. **Recommendations to others considering GoCardless:** I highly recommend using GoCardless, if you want ease of management, simple systems, and easy to understand online platforms GoCardless is the system to use. **What problems is GoCardless solving and how is that benefiting you?** I am using GoCarless to take direct debit payments from tenant of a self storage facility, the major benefit that i have taken from using the software is not having to hold any account details and being able to arrange every payment automatically, this is both easier for me as a small business and for my clients. ### 32. Reliable Efficient Simplicity - That's GoCardless In A Nutshell **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Real Estate | Small-Business (50 or fewer emp.) **Reviewed Date:** May 12, 2020 **What do you like best about GoCardless?** GoCardless is simple use. It's flexible and meets our changing needs. It's reliable and the money arrives on time hassle-free. It also saves our staff time in collecting funds - and makes paying easier and simpler for our customers / clients. It's a win win. **What do you dislike about GoCardless?** GoCardless has a cost - as does everything in life. It would be good if that cost reduced more and more as our transaction numbers increase over time. **Recommendations to others considering GoCardless:** GoCardless is so simple to get up and running - and it's quick too. It will save you time. It will get funds into your bank account reliably and on time. You'll wonder why you didn't start using it years ago :-) **What problems is GoCardless solving and how is that benefiting you?** Most of our customers / clients have a large annual bill for the services we provide. GoCardless enables us to split that large cost into manageable monthly chunks. It helps our cash flow and, more importantly, the cash flow of our customers / clients. ### 33. Simple Seamless **Rating:** 5.0/5.0 stars **Reviewed by:** Lee W. | Small-Business (50 or fewer emp.) **Reviewed Date:** May 12, 2020 **What do you like best about GoCardless?** Gocardless Seamlessly Integrates With Xero , this connection literally nullifies my debt chasing from invoice to payment my sales process is totally unmanned, I can also collect payments at will. Their Customer Support is also very responsive, this company is continuing to innovate the payment collection space, We only use Gocardless as a payment provider for the above reasons and the price, as Gocardless do not charge a subscription fee only a low capped percentage of transaction value. The best part of the integration with Xero is that all payments auto allocate to the respected invoice with all funds showing from the date of collection in a Direct Debit Account. **What do you dislike about GoCardless?** The Least helpful is the payment time it sometimes takes 4-5 days for the money to hit our account after the payment has cleared, this is an issue with all Direct Debit providers not just Gocardless. There is no bank feed for the Gocardless account within our Xero account thus meaning that all payments have to be manually imported for reconciliation if these issues were addressed Gocardless would be a perfect system. **Recommendations to others considering GoCardless:** Try it out there are no subscription fees only a flat rate capped % on payments, it is the best software for Direct Debits and payment processing **What problems is GoCardless solving and how is that benefiting you?** The problems solved are mainly, Cashflow and Debt chasing or missed payments previously there was a communication issue with missed payments, now we are notified in advance when a payment is cancelled, This enables Olympus Accountancy Ltd to have uptodate financial projections and know exactly when bills will be paid and money will be available. ### 34. GoCardless as an affordable direct debit option that integrates with Xero. **Rating:** 5.0/5.0 stars **Reviewed by:** Judy H. | Small-Business (50 or fewer emp.) **Reviewed Date:** October 29, 2020 **What do you like best about GoCardless?** I find GoCardless a great option to offer my clients who choose to pay via direct debit, integration with Xero works well & the fees are worth the peace of mind for me. **What do you dislike about GoCardless?** If the money could come through quicker that would be great but I know to allow the 3 working days. **What problems is GoCardless solving and how is that benefiting you?** Especially good for those clients for whom I pay their software subscriptions. ### 35. With 5 years of amazing experience with Gocardless **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Computer Software | Mid-Market (51-1000 emp.) **Reviewed Date:** March 10, 2021 **What do you like best about GoCardless?** Seemless collection for cash, no fuss about card expiry **What do you dislike about GoCardless?** Customers can easily cancel with their bank but this is not a GC issue. **What problems is GoCardless solving and how is that benefiting you?** we are providing an electronic direct debit option to customers and easy to setup ### 36. GoCardless + Xero integration = Blissful billing & Bookkeeping **Rating:** 5.0/5.0 stars **Reviewed by:** Maggie L. | CEO & Co-Founder at OfficeHounds - White Label Social Media Marketing, Small-Business (50 or fewer emp.) **Reviewed Date:** May 19, 2020 **What do you like best about GoCardless?** The best thing about GoCardless is that the fees are so much lower than my other merchant accounts. If you use Xero, the integration with GoCardless saves so much time and is highly recommended if you do recurring billing. When we get a new retainer client, I create a recurring invoice in Xero. I then email my client with a secure link so they can give me ACH authorization. After that, every time I create an invoice for the client in Xero, GoCardless takes the payment automatically on the invoice due date. (The Xero recurring invoices get sent automatically, too.) Bank reconciliation is so fast because everything is connected. **What do you dislike about GoCardless?** Nothing! I really enjoy using it and genuinely like everything about it. **Recommendations to others considering GoCardless:** I highly recommend you try it. **What problems is GoCardless solving and how is that benefiting you?** I save tons of admin time because of the ACH authorizations and the integration with Xero. ### 37. Easy, Fast, Effective for your customers and business **Rating:** 5.0/5.0 stars **Reviewed by:** Simon C. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** May 15, 2020 **What do you like best about GoCardless?** Get your money next day. Easy to manage DD runs. Fast onboarding for customer = better collection. Easy to use. Good Reporting and ability to manage. Good value service in comparison to other competitors. We like the Ease of onboarding to customers that has a direct impact on the tack p and effectiveness of our collection service. Good customer service at GoCardless who were happy to help at the beginning. **What do you dislike about GoCardless?** I genuinely don't have any complaints about Go Cardless. I would like to see the ability to increase on mass a Plan's pricing so that it can be raised easily across a number of customers. **What problems is GoCardless solving and how is that benefiting you?** Replacing Standing Orders. Ability to additionally collect Ad Hoc amounts is very useful, on top of regular collections. Reduce bank fees. Good set of APIs to fit into our back office systems that do not require a lot of effort. ### 38. GoCardless is a great solution for customers who might not have a credit card **Rating:** 5.0/5.0 stars **Reviewed by:** Philip B. | Small-Business (50 or fewer emp.) **Reviewed Date:** May 12, 2020 **What do you like best about GoCardless?** I like the fact that I can offer my customers the option of using a Direct Debit from their bank account, especially in the case of subscription purposes, rather than using a credit card. **What do you dislike about GoCardless?** So far, there is nothing I dislike about GoCardless, although the processing times seem to be a bit lengthy. I guess that's understandable though, given we a re dealing with transfers from bank accounts. **Recommendations to others considering GoCardless:** I highly recommend GoCardless for ease of implementation and reliability **What problems is GoCardless solving and how is that benefiting you?** Being able to offer people multiple payment solutions, especially when they might not like using their credit or debit cards to make online purchases, is a major benefit to my business. It makes the process of getting people to sign up for a subscription service much simpler and, also means I don't have to go chasing the revenue with manual invoicing every month. ### 39. Automating your business for real **Rating:** 5.0/5.0 stars **Reviewed by:** John D. | Director & Consultant, Small-Business (50 or fewer emp.) **Reviewed Date:** July 09, 2020 **What do you like best about GoCardless?** One of the challenges of business is making things scalable. If taking twice as many customers takes twice as much work then there is an upper bound on your profit. If you can automate processes, e.g. through the use of direct debiting, you can take on extra customers with minimal extra work. By adopting GoCardless I have been able to significantly increase my customer base without a significant increase in work and without those awkward credit control calls. Happy customers and happy me! **What do you dislike about GoCardless?** There are very few, if any down sides. The fees are reasonable (compared to other money obtaining platforms), it integrates with my accounting package to automatically charge the client the correct amount based on my invoices. Help! I just love it! **What problems is GoCardless solving and how is that benefiting you?** The problem is accurate invoicing followed up by accurate, timely charging of customers. This used to take about a day a month, sometimes more. Now it just happens with the occasional bit of checking so see how well it is going. (Normally, excellently.) ### 40. GoCardless was a breeze to set up and I started receiving payments immediately - 100% recommended! **Rating:** 5.0/5.0 stars **Reviewed by:** Joe S. | Small-Business (50 or fewer emp.) **Reviewed Date:** October 29, 2020 **What do you like best about GoCardless?** Being able to set and forget is a real time saver + love the Xero integration. **What do you dislike about GoCardless?** I've been using GoCardless for a few years now and there are no downsides to using it! **What problems is GoCardless solving and how is that benefiting you?** I get paid on the due date of my invoice. My clients love not having to worry about processing the payment manually. ### 41. Easy, convenient and value for money **Rating:** 5.0/5.0 stars **Reviewed by:** Charlotte L. | Mid-Market (51-1000 emp.) **Reviewed Date:** August 26, 2020 **What do you like best about GoCardless?** I love the fact that we raise invoices in Xero and GoCardless instantly picks them up, matches them to a mandate and triggers the payment. The payments even get reconciled for me! So easy. On the rare occasions I have had any issues the support team are fantastic - very helpful and knowledgeable **What do you dislike about GoCardless?** Nothing at all. The whole process is simple **What problems is GoCardless solving and how is that benefiting you?** Cash flow is massively improved as more customers are now paying us by this method, and we know exactly when those payments will come in ### 42. Effective, simple, few commissions **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in E-Learning | Small-Business (50 or fewer emp.) **Reviewed Date:** February 03, 2021 **What do you like best about GoCardless?** Simple to set up, low commission, I have made it my main payment tool for my clients. **What do you dislike about GoCardless?** The verification system that can temporarily block account features **What problems is GoCardless solving and how is that benefiting you?** Avoid the sometimes costly fees of other payment systems ### 43. Excellent Way To Collect Payments **Rating:** 5.0/5.0 stars **Reviewed by:** John B. | Life Coach, Small-Business (50 or fewer emp.) **Reviewed Date:** May 19, 2020 **What do you like best about GoCardless?** GoCardless is very simple to use for a business and for a consumer and there are multiple ways to get a client set up. I also like that you can set up a schedule for the client to fit in when they get paid. **What do you dislike about GoCardless?** The only thing that could be improved is the download of payment transactions. When I have to do my accounts it would be better if it was simply date, transaction amount, fees and a reference. **Recommendations to others considering GoCardless:** Use it. If you want to save time and want your clients to be able to use it easily then GoCardless is the one you need to have in your business! **What problems is GoCardless solving and how is that benefiting you?** I save time and effort as payments are collected on time and I know when I will receive payments. ### 44. Go Cardless has transformed our business and our profitability **Rating:** 5.0/5.0 stars **Reviewed by:** Jayson W. | Sales Director / Founder, Small-Business (50 or fewer emp.) **Reviewed Date:** May 12, 2020 **What do you like best about GoCardless?** The ease of use the simple way to create varying amounts of money at any given interval or one-off payment. **What do you dislike about GoCardless?** id like the system itself to produce an invoice and then speak to my accounting package **Recommendations to others considering GoCardless:** I would say when considering GoCardless you need to decide if you adopt it as a policy for all or its an optional thing for customers, id say its better and less administration to adopt it as a policy for all. Its a bit hard initially reconciling payments as it needs to account for GoCardless fee's but in the end the benefits outway the costs. **What problems is GoCardless solving and how is that benefiting you?** the headache of collecting money is the same all over the world this is simply something that has transformed our business and we could not do without ### 45. Very easy to use, for us and our customers **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Warehousing | Small-Business (50 or fewer emp.) **Reviewed Date:** August 26, 2020 **What do you like best about GoCardless?** So easy, just key in customers email address, a space for free text from us, just so the end customer knows the email they receive isn't random, then when set up how much you want to take each month and everything else is done for you. Great telephone customer support. **What do you dislike about GoCardless?** Genuinely no issues so far, all gone to plan. **Recommendations to others considering GoCardless:** Very easy to use for monthly payments, say a 3 year agreement, set it up to run for 36 periods and never need to look at it again. Cheaper then taking credit cards for us. **What problems is GoCardless solving and how is that benefiting you?** Easy handling of monthly billing. Can also add other ad hoc charges to the payment plan, which is useful. ### 46. Good solution for recurring payments, BUT bad pricing model **Rating:** 0.5/5.0 stars **Reviewed by:** Verified User in Financial Services | Mid-Market (51-1000 emp.) **Reviewed Date:** February 10, 2021 **What do you like best about GoCardless?** Good solution for recurring payments via direct debit. **What do you dislike about GoCardless?** The pricing model is a mess and I can't imagine that this are standards in this industry. **What problems is GoCardless solving and how is that benefiting you?** Recurring payment for direct debit. ### 47. Really pleased with this lo cost solution to get paid **Rating:** 5.0/5.0 stars **Reviewed by:** Dave B. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** August 07, 2020 **What do you like best about GoCardless?** Easy to setup if using standalone and pleased to find it supports my accounts package (quickbooks) and is no effort to set customers up via this now too **What do you dislike about GoCardless?** The free version doesn't give my customers my id, when we get big enough to pay for the upgrade then we will, which allows us to be visible to our customers on statements **What problems is GoCardless solving and how is that benefiting you?** Set up and forget. No longer need to keep an eye on payments coming in, as if a DD bounces I get informed ### 48. Amazing little known provider **Rating:** 5.0/5.0 stars **Reviewed by:** Claire B. | Small-Business (50 or fewer emp.) **Reviewed Date:** May 13, 2020 **What do you like best about GoCardless?** The simplicity of the product is fantastic. It's not overly complicated, it does just what you need. The customer service is amazing and they always get back to you so fast. I cannot recommend this company highly enough. I also love supporting smaller businesses rather than just going for the obvious Paypal option (which charge a shed load more for really bad un-personal service) **What do you dislike about GoCardless?** The fact that you can't make single payments. (I know you can, but the terminology and fact you have to set up a 'direct debit' is a bit of a faff for people wanting to make a simple card payment. **What problems is GoCardless solving and how is that benefiting you?** I love that I can integrate into my website so simply without the need for a load of extra third party costs. ### 49. Fantastic addition to our payment options. **Rating:** 5.0/5.0 stars **Reviewed by:** Pip H. | Small-Business (50 or fewer emp.) **Reviewed Date:** October 29, 2020 **What do you like best about GoCardless?** It's Easy set up and use. Cost Effective. **What do you dislike about GoCardless?** Absolutely nothing, it is perfect for what we need. **Recommendations to others considering GoCardless:** I would absolutely recommend Go Cardless, so simple to use. **What problems is GoCardless solving and how is that benefiting you?** Cash Flow. Less need to follow up overdue payments. ### 50. Best way to get paid for recurring payments **Rating:** 5.0/5.0 stars **Reviewed by:** Mark W. | Small-Business (50 or fewer emp.) **Reviewed Date:** August 24, 2020 **What do you like best about GoCardless?** Ease of use and integration with our online accounts system (FreeAgent) **What do you dislike about GoCardless?** Recent price increase makes direct debit similar cost as credit card payment. Previously direct debit was a cheaper option. **Recommendations to others considering GoCardless:** Definitely a good product and would consider them a leader in the direct debit field for programmability and API access **What problems is GoCardless solving and how is that benefiting you?** We can automatically collect recurring payments from our customers therefore improving cashflow and eliminating late payment from customers ## 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=5§ion=pricing&secure%5Bexpires_at%5D=2026-06-01+05%3A11%3A31+-0500&secure%5Bsession_id%5D=7acbd054-0778-4542-bb18-b9fced91f1b4&secure%5Btoken%5D=055c4539a621caab5a9f47d0a8a612e7a036ff0a52b34d702d65fc76df91c75b&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 (2,688 reviews) - [Payoneer](https://www.g2.com/products/payoneer/reviews) - 3.2/5.0 (360 reviews) - [Square Payments](https://www.g2.com/products/square-payments/reviews) - 4.5/5.0 (168 reviews)