# 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, streamlining payments and reducing administrative burdens effectively. (8 reviews) - Users appreciate the **ease of use** of GoCardless, benefiting from seamless automation and organized management of payments. (8 reviews) - Users love the **seamless automation** of GoCardless, simplifying cash flow management and reducing administrative tasks. (6 reviews) - Users value the **efficiency of GoCardless** , praising its seamless automation and reliable cash flow management. (5 reviews) - Users value the **seamless integrations** with various platforms, enhancing efficiency and reducing payment failures significantly. (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 face **payment issues** with GoCardless, including delays, verification problems, and complicated invoice management. (7 reviews) - Users experience **slow payments** with GoCardless, leading to administrative burdens and verification issues complicating transactions. (5 reviews) - Users are concerned about the **high fees** and delays in receiving payments, impacting cash flow management. (4 reviews) - Users experience **billing issues** with GoCardless, including delays and complications that hinder their payment processes. (3 reviews) - Users find the **fees too high** , particularly for small payments, impacting cash flow and causing delays in receiving funds. (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 ### 11. Payments on easy mode **Rating:** 5.0/5.0 stars **Reviewed by:** Todd K. | President, Small-Business (50 or fewer emp.) **Reviewed Date:** June 04, 2025 **What do you like best about GoCardless?** The pricing is very reasonable It's totally hands-off once you set it up. Cusomer support is helpful **What do you dislike about GoCardless?** there seems to be two different interfaces between the primary dashboard and a different dashboard for XERO integration. It can make it a little cumbersome sometimes. **What problems is GoCardless solving and how is that benefiting you?** Easy ACH billing for clients ### 12. Perfect for Subsciption **Rating:** 4.0/5.0 stars **Reviewed by:** seb m. | COO, Small-Business (50 or fewer emp.) **Reviewed Date:** February 20, 2025 **What do you like best about GoCardless?** recurrency recovery rules of mandate banking **What do you dislike about GoCardless?** transfert customer data base of Stripe to GoCardless **What problems is GoCardless solving and how is that benefiting you?** mensual payment for subscription customer **Official Response from Tim McDonnell:** > Thanks for the positive review Seb. We're pleased to see the benefits of using GoCardless. Please feel free to reach out if you have any questions about mandate migration - help@gocardless.com Thanks, GoCardless ### 13. System is very user friendly **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Computer Software | Small-Business (50 or fewer emp.) **Reviewed Date:** June 04, 2025 **What do you like best about GoCardless?** Funds are automatically collected on due dates **What do you dislike about GoCardless?** Just when someone changes their banking information. But I think I am getting used to that **What problems is GoCardless solving and how is that benefiting you?** Love the automatic payment plan ### 14. The WORST!!! DO NOT Trust This Company! **Rating:** 0.0/5.0 stars **Reviewed by:** Dustin S. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** December 04, 2024 **What do you like best about GoCardless?** The promise of their service - which they have broken. **What do you dislike about GoCardless?** Everything about the actual experience of working with them. **What problems is GoCardless solving and how is that benefiting you?** They have not given me a single benefit. They have been holding my funds hostage and the "accounts review" team never responds. **Official Response from Tim McDonnell:** > We're sorry to hear about your experience with us. We can see that our team has been in touch. Thanks, GoCardless ### 15. Not able to complete onboarding after 4 weeks of continuous support tickets waste of time and money **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Wireless | Small-Business (50 or fewer emp.) **Reviewed Date:** October 09, 2024 **What do you like best about GoCardless?** Nothing in the slightest. This has been the moat unhelpful expereince in years. They should sell ironing boards instead. **What do you dislike about GoCardless?** Everything Innaccurate Help content on website - regarding ACH forms for manual upload of clients Support staff who give incorrect information, contradict website information Asked to go onto new pricing plan even though you signed up to the correct plan tier - pricing changed in 4 weeks? Incorrect email address shared when asked to upgrade No response form support team for 3 weeks after regular emails asking for support. **What problems is GoCardless solving and how is that benefiting you?** Go cardless creates problems rather than solving them. Please consider carefully if you want to use them. **Official Response from Tim McDonnell:** > Thank you for your review, we're sorry to hear that you've had a negative experience. As you've left your review anonymously, we're unable to locate your profile and would like to discuss this with you further. Please could you reach out to help@gocardless.com with the reference "G2 Review". Thank you, GoCardless ### 16. Terrible Customer Service **Rating:** 1.0/5.0 stars **Reviewed by:** Stacey S. | Owner and accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** January 16, 2025 **What do you like best about GoCardless?** Good fee rates for ACH and I like the Xero integration features **What do you dislike about GoCardless?** Terrible customer services and general lack of communication. No way to speak directly to supports and then no one gets back to you. **What problems is GoCardless solving and how is that benefiting you?** Low fee ACH payments for ongoing service payments **Official Response from Tim McDonnell:** > Dear Stacey, Thank you for your review of GoCardless. We're pleased to hear that we provide low fee ACH payments. We would like to discuss your experiences with GoCardless, as it's concerning that you haven't been able to reach out to anyone. Could you please email us - help@gocardless.com - Quoting "G2 Review" in the reference. Alternatively, you can reach our support team via phone: +1 (628) 241-0044 or email: help@gocardless.com Thank you, GoCardless ### 17. Highly usable billing platform **Rating:** 4.0/5.0 stars **Reviewed by:** Hector S. | Head of Product, Small-Business (50 or fewer emp.) **Reviewed Date:** September 10, 2024 **What do you like best about GoCardless?** GoCardless is very easy to set up and to use, and the customer support has always been very valuable. **What do you dislike about GoCardless?** The fees and billing can be a little complex to work out sometimes - which as a small business you need to be aware of. **What problems is GoCardless solving and how is that benefiting you?** Allowing the billing of customers who use our services in a way that's cheaper than Stripe. **Official Response from Tim McDonnell:** > Thanks for the feedback Hector. It's great to hear that GoCardless is easy to use. Please feel free to reach out to our Support Team to address any of your fee queries, we would be happy to help! Thanks, GoCardless ### 18. No response, no service **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** November 25, 2024 **What do you like best about GoCardless?** Integration with Xero, and the idea of monthly subscription payments, but that was all it was: an idea. **What do you dislike about GoCardless?** Pretty much everything! Zero support, zero explanation for service interruption, zero to xero. **What problems is GoCardless solving and how is that benefiting you?** unfortunately none. It has created more problems. We were ready to implement the monthly subscription model and had the green light from GoCardless. As soon as we signed up the first client, they pulled the rug out from under us and we have not heard back from them in person since. Just cookie cutter email replies. **Official Response from Tim McDonnell:** > Thank you for your review, we're sorry to hear that you've had a negative experience. As you've left your review anonymously, we're unable to locate your profile and would like to discuss this with you further. Please could you reach out to help@gocardless.com with the reference "G2 Review". Thank you, GoCardless ### 19. Not for large volume businesses **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Financial Services | Mid-Market (51-1000 emp.) **Reviewed Date:** October 27, 2021 **What do you like best about GoCardless?** Platform has a simple API for processing bacs payments. Six years ago this was maybe best in market but it is now showing its age and lacks some advanced billing features available from other companies who offer BACs such as Stripe etc **What do you dislike about GoCardless?** Not trustworthy. We process over 1/2 million+ per month in bacs transactions. After negotiating a volume discount a few years ago and spending a lot of time integrating GoCardless, they are now trying to raise rates to extortionate levels whilst adding on higher rates and fees for things that simply never existed before in this space such as far higher fees for refunds, failed payments, payment retries etc. It’s disappointing their management have adopted this strategy of trying to milk existing customers who have invested heavily in integration with GoCardless expecting them to accept far higher costs due to the difficulty and cost of moving. We were already paying a premium for the platform vs the cheapest rates we were quotes by other providers in the market. I do not recommend this company and we will be going to market and looking for a more trustworthy BACS payment partner at the next renewal. **Recommendations to others considering GoCardless:** Avoid if you are a large volume processor and intend to invest in a long term partnership with them. As our experience with them has shown, despite them talking about building 'long term partnerships' at the beginning you may find after a few years GC trying to significantly increase your rates and invent new fees to the point where they are more expensive than processing card payments with none of the benefits. Anyone coming from years of processing BACs payments will understand how for volume customers it's not feasible and how ridiculous the new 'invented' additional charges are. For a small processor utilising a 3rd party integration platform the fees may make sense but shop around and don't pick platforms that lock you into only GoCardless. **What problems is GoCardless solving and how is that benefiting you?** Automation of bacs processing via APIs and web hooks. This allows for improved IT integration compared to old methods and systems involving flat files. ### 20. If you want a company to hold your money for days on end, pick GoCardless **Rating:** 0.0/5.0 stars **Reviewed by:** Jon L. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** December 19, 2023 **What do you like best about GoCardless?** Nothing. The entire point of a money transfer company is to transfer money. So far, they haven't lived up to their side of the transaction. **What do you dislike about GoCardless?** So far, its been over 9 days and the company still has my money. My account was approved in a flurry of emails with their verification dept. The next day, I received an email which i missed that said, 'we need additional information before we can approve your account.' This was after the company had charged my client's bank account. Even though I missed that email, I did log in to their system several times over several days to check status. No notices that my account was on hold showed up anywhere. Now, even though my request was put on 'rush' status, there has been no response from the verification team. Customer service has no power, and they refuse to escalate to someone in the company that does. Beyond this, the implementation and integration process with Xero is awful. Multiple calls and emails to GoCardless customer service were required to get things to work. The system is also not easy to use if you have problems. It looks straightforward from a design perspective, but if there are issues, its baffling. What does "Payout" vs "Collected" mean? Shouldn't an ACH transfer go straight from my client's bank to mine? Instead, this seems to indicate that it sits in GoCardless' bank for a period of time. This isn't explained anywhere. **What problems is GoCardless solving and how is that benefiting you?** Cheap alternative to credit card transactions for larger orders ### 21. The worst credit card processing company I have ever worked with. **Rating:** 0.0/5.0 stars **Reviewed by:** Jason A. | Small-Business (50 or fewer emp.) **Reviewed Date:** January 18, 2024 **What do you like best about GoCardless?** Absolutely nothing This is the worst payment processor I have ever worked with **What do you dislike about GoCardless?** You can NEVER get in contact with anyone at the company for support Implementation was the worst experience I have ever had with a processor After a very long and in-depth onboarding process, your receiving limit is incredibly low Your account randomly gets flagged and deactivated with no contact from the support When you try to reach out to support because your business can not receive payments to pay your expenses let alone your employees Due to an error when they received payment from a client and then had a bank error on their side, they refused to pay out for months Then after paying out the money after months they pulled money from my account and held it for ransom Then after reaching out to them for 10 months, YES 10 months I finally got a vague response in which i promptly followed up every day for 3 weeks all to wait 4 more months for a response Then I was put into collections 5 months later when I reached out to the collection agency they opened a case and I had to way 3 more months for a response even though I send an email once a week to get a status **What problems is GoCardless solving and how is that benefiting you?** This company is not in the business of solving a problem they are in the business of causing problems ### 22. User friendly **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Consumer Services | Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2024 **What do you like best about GoCardless?** It just takes the work from Direct Debits. It just ensures that I do not miss one. **What do you dislike about GoCardless?** Nothing, that I can think of right now. I have only been on the other side of it. My PT used it to take my payments. **What problems is GoCardless solving and how is that benefiting you?** It is minimisin the risk of me missing payments, it allows me to offload that from my brain so I can focus on other matters. **Official Response from Tim McDonnell:** > Thank you for your review, it's a pleasure to hear that GoCardless helps you collect your Direct Debit payments seamlessly. Thanks, GoCardless ### 23. Best direct debit payments **Rating:** 5.0/5.0 stars **Reviewed by:** Dan E. | Enterprise Sales, EMEA, Enterprise (> 1000 emp.) **Reviewed Date:** September 10, 2024 **What do you like best about GoCardless?** The service provided was exceptional and the product was dependable. **What do you dislike about GoCardless?** No significant weaknesses. Although there was some employee churn within the org. **What problems is GoCardless solving and how is that benefiting you?** Automating payments **Official Response from Tim McDonnell:** > It's always great to hear positive comments about our Support Team, we will pass them on. Thanks, GoCardless ### 24. Useful for collect card payments **Rating:** 2.5/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Small-Business (50 or fewer emp.) **Reviewed Date:** September 11, 2024 **What do you like best about GoCardless?** Seemless experiance - good reporting, easy to use **What do you dislike about GoCardless?** Expensive, customer service not great, hard to reach **What problems is GoCardless solving and how is that benefiting you?** Good at collecting payments every month and provided good user experiance for our customers **Official Response from Tim McDonnell:** > Thank you for your review, we're pleased to hear that GoCardless is easy to use. If you have any further questions, please feel free to reach out - help@gocardless.com Thank you, GoCardless ### 25. Great software that saves time **Rating:** 5.0/5.0 stars **Reviewed by:** Clare W. | Small-Business (50 or fewer emp.) **Reviewed Date:** February 22, 2024 **What do you like best about GoCardless?** Being able to integrate it with Teamup our CRM system is invaluable This saves us lots of time as everything is automated **What do you dislike about GoCardless?** Can't really think of anything that I dislike **What problems is GoCardless solving and how is that benefiting you?** It automatically takes the payment and sends customers a receipt of purchase Saves us admin time of doing this personally ### 26. Subpar support - misleading fees **Rating:** 1.0/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Small-Business (50 or fewer emp.) **Reviewed Date:** September 21, 2023 **What do you like best about GoCardless?** It's easy for the customer to submit the payment using the payment link. **What do you dislike about GoCardless?** 1. Even though they say they're available 24/7 for help, it takes a long time to get answers, and the answers aren't very good, so you end up sending lots of emails back and forth. 2. GoCardless doesn't provide a report to help you easily match your account balance with your financial records, which makes things complicated. 3. The information about fees can be confusing. When you're paying, it tells you the fee is limited to $4, but this rule doesn't apply to international payments. I get that international payments can cost more, but the big statement below the payment amount can mislead people. **What problems is GoCardless solving and how is that benefiting you?** Helps collect payments from people who don't have cards. ### 27. Over 3k charged to customers that will not transfer to my bank. - 0 support **Rating:** 0.0/5.0 stars **Reviewed by:** Daniel F. | Small-Business (50 or fewer emp.) **Reviewed Date:** May 19, 2023 **What do you like best about GoCardless?** Seems user friendly if they actually paid you or had any support services ---------------------------------------------------------------------------------------------------- **What do you dislike about GoCardless?** If you want to take the chance of having your money going through a system that has O support go for it. They took our first ACH out of a client's bank account, and it will not deposit in our account. Just get fail every time. We have changed and verified the bank account, sent them statements from our account etc. No one at GoCardless can give us even basic data about the failure. They tell us to refund the customer so i can cancel our account, and we get an error that we have no funds in the account. Have used other services with the same banking info with no issues. **What problems is GoCardless solving and how is that benefiting you?** Yea none ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ ### 28. Integrates well with other platforms **Rating:** 5.0/5.0 stars **Reviewed by:** Laurie L. | Pole instructor, Small-Business (50 or fewer emp.) **Reviewed Date:** June 24, 2023 **What do you like best about GoCardless?** Easy to use. Good customer service. Integrates well with other platforms. Good reporting. Used it for years never had any problems. Cheaper than other products. **What do you dislike about GoCardless?** Being DD it takes longer than other platforms to receive money. **What problems is GoCardless solving and how is that benefiting you?** Recurring payments no longer have to do manual payments. Can see who has paid and who has not. Time to sort out other things than chase payments. ### 29. Closed account for no reason **Rating:** 0.0/5.0 stars **Reviewed by:** Devin M. | Small-Business (50 or fewer emp.) **Reviewed Date:** May 18, 2023 **What do you like best about GoCardless?** The software appeared to be really great and had many of the features I was looking for, but I never really got to use them. My account was approved and verified and then 12 hours later closed for no reason **What do you dislike about GoCardless?** Have a better approval and verification process. I completely onboarded and talked with multiple people only to get an email saying my account was closed and you couldn't tell me the reason why. **What problems is GoCardless solving and how is that benefiting you?** They aren't solving any problems ### 30. Use it for two of my businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Carlos T. | Small-Business (50 or fewer emp.) **Reviewed Date:** February 25, 2023 **What do you like best about GoCardless?** I use gocardless for two of my businesses seamlessly and always recommend it to friends who need a low cost yet effective solution for monthly recurring charges or to bill their clients using ach. **What do you dislike about GoCardless?** Not much to dislike but I would love a way to have the invoices I make automatically be created on gocardless. There's probably a solution for this that I'm not aware of. **What problems is GoCardless solving and how is that benefiting you?** Collecting payments from clients in a timely manner has been greatly improved. No more chasing checks or trying to get cash from clients. We are happy knowing we have our funds in the account when we need them. **Official Response from GoCardless Support:** > Hi Carlos, Thank you for the review - it’s lovely to hear your feedback! Please let us know if there’s anything we can help you with. ### 31. Simple, effective and reliable **Rating:** 5.0/5.0 stars **Reviewed by:** Clara S. | Online Physique Coach, Small-Business (50 or fewer emp.) **Reviewed Date:** November 02, 2021 **What do you like best about GoCardless?** The ease of use of the service makes it very reliable both for my myself as a business owner and for my customers. Its simplicity makes my life very easy! It removes the stress of chasing people up for payments too. **What do you dislike about GoCardless?** The only issue I have with it (and it's honestly so minor it really doesn't matter) is that if I log on to gocardless on my phone and click on "payments", I cannot see the right far end of the screen, where the upcoming payments are outlined. This is true even if I unlock my screen and hold my phone horizontally. It can feel like a bit of an inconvenience because sometimes it means I don't know what payments are coming in, and I can just about make out the date. Like I said, when I log onto the website on a computer I don't have an issue with it, it's just on my phone. I have wondered whether an app might be useful too? **What problems is GoCardless solving and how is that benefiting you?** GoCardless helps me ensure that my clients pay me monthly - I don't have to worry about sending invoices or chasing people up for payments. It also means I can plan my monthly finances in advance, which is helpful. ### 32. Go Cardless - use it or your loosing time & money **Rating:** 5.0/5.0 stars **Reviewed by:** Greg S. | Small-Business (50 or fewer emp.) **Reviewed Date:** November 03, 2020 **What do you like best about GoCardless?** Its connected to Xero. It's one simple action to invoice a client and let Go Cardless do the rest. My clients have a different $ value invoiced to them every fortnight, Go Cardless handles this with ease. No more chasing unpaid invoices, no more reconciling individual payments, no more concerns about cash flow, no more concerns about anything. **What do you dislike about GoCardless?** Would be great to have the payments come through less than 3 days after they have been taken from the clients account, but I understand why. **What problems is GoCardless solving and how is that benefiting you?** Cash Flow, chasing unpaid invoices, reconciliation time. ### 33. If direct debits suit your customer base, this is a great tool **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Health, Wellness and Fitness | Small-Business (50 or fewer emp.) **Reviewed Date:** December 12, 2018 **What do you like best about GoCardless?** Simple way to keep track of customer payments from their bank accounts. Fees are much better than CC fees **What do you dislike about GoCardless?** Nothing really, it works out of the box and the company is helpful and efficient **What problems is GoCardless solving and how is that benefiting you?** Proactively setting up bank account debits rather than worrying about the customer doing it ### 34. GoCardless and Sage **Rating:** 5.0/5.0 stars **Reviewed by:** Amanda W. | Small-Business (50 or fewer emp.) **Reviewed Date:** May 25, 2023 **What do you like best about GoCardless?** GoCardless offers a simple and straightforward process for ensuring payments from customers are on time. **What do you dislike about GoCardless?** Having used GoCardless for over 12 months I have not encountered any negative issues so far. **What problems is GoCardless solving and how is that benefiting you?** Cash flow, credit control and management of daily accounts. ### 35. Excellent software for taking direct debit payments **Rating:** 5.0/5.0 stars **Reviewed by:** Jane G. | Founder, Small-Business (50 or fewer emp.) **Reviewed Date:** October 09, 2022 **What do you like best about GoCardless?** I really like that you can setup different plans for different membership subscriptions and then invite customers to join the appropriate plan. I also really like that the dashboard is so clear and it is so easy to use and to setup. **What do you dislike about GoCardless?** There's nothing I really dislike. We use some of the multi-currency capabilities for customers who are abroad which is really useful and the only thing it couldn't cope with was Japanese Yen, so I guess it would be good if that could be added. **What problems is GoCardless solving and how is that benefiting you?** It made it easy for us to move all our customers from PAYG via cash to direct debit payment during the pandemic. The setup was straightforward and even though may of our customers are elderly, most were able to setup their DD's without any issues. It saves us a lot of admin time now as all payments are collected automatically on the correct day of the month and we are notified of any anomalies such as failed payments. ### 36. fee collection **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Health, Wellness and Fitness | Small-Business (50 or fewer emp.) **Reviewed Date:** August 14, 2023 **What do you like best about GoCardless?** the ease of use for setting up direct debits **What do you dislike about GoCardless?** the client side when finding customer if a customer does not set up fully it can be hard to locate them **What problems is GoCardless solving and how is that benefiting you?** collecting mothly student fees ### 37. Excellent easy way to set up direct debits **Rating:** 5.0/5.0 stars **Reviewed by:** Joel C. | web designer, Small-Business (50 or fewer emp.) **Reviewed Date:** October 03, 2022 **What do you like best about GoCardless?** Go cardless makes it really easy to set up a direct debit. Its API is easy to use if you want to create your own sign up pages. If not it can be done easily through their supplied interface giving your customers peace of mind with the direct debit guarantee. **What do you dislike about GoCardless?** There is very little to dislike about using go cardless. Ive found it very easy to use and once you get the hang of the mandate codes, customer codes its very easy to see which customer is linked to which mandate. Thats the only thing that you need to put some thought into when looking at your dashboard. **What problems is GoCardless solving and how is that benefiting you?** Running a web hosting company means customers having to make regular payments for hosting feed, using the go cardless direct debits means I dont have to chase people up for late payments, Go cardless does try again for failed payments and every event, whether its a payment, cancelled direct debit or failure is sent to me as an email allowing me to track any potential problems without haveing to constantly check my bank account. ### 38. Working with GoCardless - a breath of fresh air **Rating:** 5.0/5.0 stars **Reviewed by:** Kyt L. | Volunteer System Administrator, Small-Business (50 or fewer emp.) **Reviewed Date:** November 27, 2022 **What do you like best about GoCardless?** Working on behalf of a small not-for-profit with limited expertise in website API integration, we really appreciated the extensive online documentation with lots of examples. When we did need to approach the support desk, the response was rapid and relevant. **What do you dislike about GoCardless?** About half of our user base is in the UK, with the rest spread mostly between Europe, North America and Australia. The ability to handle transactions in their local currencies and link into our UK-based account was a big attraction. Unfortunately, this turned out to be a feature GoCardless are unable to offer to not-for-profit organisations such as ourselves. Consequently, we had to implement an alternative solution alongside GoCardless, for users beyond our currency zone. Hopefully this is something that will be fixed in due course. **What problems is GoCardless solving and how is that benefiting you?** As a small volunteer team, we really appreciate not having to chase our users for payments and renewals. We also appreciate the level of integration achievable with our own system, which saves us a lot of time and effort. ### 39. Makes life much easier with QuickBooks integration **Rating:** 5.0/5.0 stars **Reviewed by:** David M. | Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** October 03, 2022 **What do you like best about GoCardless?** I like the QuickBooks integration. Once a customer signs up to go cardless I can manage them through QuickBooks so that if I need to amend a repeating invoice it's really simple and know the next invoices will be charged correctly via GoCardless. **What do you dislike about GoCardless?** I think sometimes the way information is present can be difficult to interpret but once understood its ok. I don't think it's any better or worse than other accounting software in the sense you've got to get your head around the numbers and where they are displayed. **What problems is GoCardless solving and how is that benefiting you?** I can clearly see who and who hasn't paid and saves me a job of sorting through all my customers to resend invoices and or chase them for late payments. The emails of failed debits means I can chase the customers instantly when there is a double failure. ### 40. Simple to set up, simple to use **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Marketing and Advertising | Small-Business (50 or fewer emp.) **Reviewed Date:** November 23, 2022 **What do you like best about GoCardless?** The whole dashboard is easy to use and simple to view what you need. Customers, plans, payments and payouts are easy to track and follow on the dashboard. We set this up years ago and have never even needed to look elsewhere. The help forums are great too!! **What do you dislike about GoCardless?** It would be good to be able to get this to link in to move of my business apps, however, it does link with our invoicing software which is more than enough anyway. **What problems is GoCardless solving and how is that benefiting you?** Our business has a lot of small payments each month, £10-£20 so it would be very hard to continue issuing invoices for and to keep up with these invoices, reconcile them. Plugging in GoCardless with our invoicing software makes this a ten minute job per month now (rather than hours we used to spend). We don't need to chase up invoices, which can take time - but our invoices are sent automatically, GoCardless then takes the payment and helps reconcile them in the software. It also gives us a heads up if a customer cancels any direct debits so we can follow up *before* the payment is due. ### 41. Straightforward and quick **Rating:** 5.0/5.0 stars **Reviewed by:** Nigel M. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** November 24, 2022 **What do you like best about GoCardless?** Very simple transfer of existing clients on Direct Debit and really easy to get new clients onboard. All the setup was done in a day or so and the bank verification process was pain free. **What do you dislike about GoCardless?** If you aren't familiar with Direct Debit collection systems you might need some hand holding initially. The reconciliation process might not work easily with all accounting packages - but it does with Xero **What problems is GoCardless solving and how is that benefiting you?** All invoices generated are integrated with GoCardless so that the collections are automatically setup to collect on the right day. Payments then come straight into your bank account after 48 hours and reconcile directly in Xero with the original invoice. Simple! ### 42. Seamless collections **Rating:** 5.0/5.0 stars **Reviewed by:** Gary M. | Managing Director, Small-Business (50 or fewer emp.) **Reviewed Date:** October 03, 2022 **What do you like best about GoCardless?** Customer service is great, they can talk you through most problems easily and they get solved there and then. GoCardless for Xero is a life saver, no longer do I have to ask customers to set up standing orders, a quick link is sent to the client and they are set up in 5 minutes. Automatic collection of invoices happens in days not weeks its just THE solution for invoice collection! **What do you dislike about GoCardless?** There are times when things go wrong, and it can't be helped, but trying to get it sorted over email can be frustrating, I'd rather just call someone and get it resolved ASAP. **What problems is GoCardless solving and how is that benefiting you?** Hand down invoice collection, for both me and my clients, you just make the whole process of running a business smoother knowing I have GoCardless in my corner! ### 43. Hassle free payments **Rating:** 5.0/5.0 stars **Reviewed by:** Alan F. | Web designer, Small-Business (50 or fewer emp.) **Reviewed Date:** October 03, 2022 **What do you like best about GoCardless?** GoCardless offers a simple and efficient way to get paid. The simple sign-up for customers means we have 100% customer buy-in and the automatic payments reduces our workload doing the accounts.it's a win-win **What do you dislike about GoCardless?** There can be a bit of a steep learning curve when doing the initial setup. It's also not the best solution if you need a fast payment as payments ca take about 10 days to arrive in your account, but this is a manageable problem. **What problems is GoCardless solving and how is that benefiting you?** We no longer have to chase payments. One of the most time-consuming things is reminding customers to pay - GoCardless takes the payment automatically once the invoice is generated. This is beneficial for us, but also our customers who don't have to worry about remembering to pay. ### 44. GoCardless gives us with the most streamlined solution for getting paid for our recurring services. **Rating:** 5.0/5.0 stars **Reviewed by:** Matthew B. | Managing Director, Small-Business (50 or fewer emp.) **Reviewed Date:** October 03, 2022 **What do you like best about GoCardless?** It's easy to add a customer, they receive an automated email inviting them to sign up. We get email summaries to keep us up to date with payments received each month and the dashboard is very useful to provide a heads-up. **What do you dislike about GoCardless?** It takes a few days for the direct debit mandate to click into place, and sometimes we miss the boat to have payment taken for a particular month. But that's not an issue with GoCardless but a limitation of the direct debit system. **What problems is GoCardless solving and how is that benefiting you?** It's an easy way to set-up recurring payments, and this allows us to reduce labour spent on bookkeeping and credit control as GoCardless streamlines the process. ### 45. A brilliant way to collect payments with minimal fuss **Rating:** 5.0/5.0 stars **Reviewed by:** Samantha W. | Business Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** October 03, 2022 **What do you like best about GoCardless?** It saves lots of time as I don't have to send invoices and then chase them up, and I can collect all of my clients' payments on the same date each month. It's also really quick and easy to use. **What do you dislike about GoCardless?** There's nothing really to dislike, but if I was being really picky I'd say the turnaround time for payments to land in my account, and the fact I have to pay a fee (but then why work they work for free? I certainly wouldn't!) **What problems is GoCardless solving and how is that benefiting you?** It saves a lot of time and potential missed payments, so I can use that time taking on more clients and earning more revenue. ### 46. An easy payment solution for a business **Rating:** 5.0/5.0 stars **Reviewed by:** Neil W. | Club Administrator, Small-Business (50 or fewer emp.) **Reviewed Date:** November 24, 2022 **What do you like best about GoCardless?** I run the subscription for a football club and GoCardless allows us to automatically set the subs as individual payments or part of a subscription. We know instantly if a parent cancels their payment and we can act accordingly. **What do you dislike about GoCardless?** Like most payment solutions there is a cost involved... getting parents to pay via Bank Transfer incurs no processing cost, however the charges are reasonable. **What problems is GoCardless solving and how is that benefiting you?** We can keep on top of all payments through the portal which helps the club cashflow. ### 47. Simple, easy to use and powerful **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Small-Business (50 or fewer emp.) **Reviewed Date:** November 15, 2022 **What do you like best about GoCardless?** It was simple to setup and best price from my comparison of the market. The features it provided such as a fixed schedule of payments or one off payments suited us perfectly. **What do you dislike about GoCardless?** I can't really think of anything. I guess it's always nice to have lower fees but I think at the current price point it's very competitive. We use it to back bill clients against their use on our AWS account if there was someway to automate it reading an AWS bill it'd be nice. **What problems is GoCardless solving and how is that benefiting you?** Making regular payments easier and with less friction. Clients don't want to have to keep remembering to pay a monthly bill that changes with usage each month. ### 48. Can not live without GoCardless **Rating:** 5.0/5.0 stars **Reviewed by:** Fredrick E. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** November 23, 2022 **What do you like best about GoCardless?** Easy to use, customer set up is superb. It gets money in to the business on time and don't have to worry about if. Plus the integration to Quickbooks is a god send **What do you dislike about GoCardless?** Could have a better mobile responsive site but happy to wait until an App is developed or site is improved. **What problems is GoCardless solving and how is that benefiting you?** Monthly payments were an issue before but is all solved by GoCardless now ### 49. Great service **Rating:** 5.0/5.0 stars **Reviewed by:** Simone A. | Taekwondo Coach, Small-Business (50 or fewer emp.) **Reviewed Date:** December 03, 2022 **What do you like best about GoCardless?** GoCardless has helped me manage my accounts better and keep me on track with customers payments. The set up was really easy and the service was excellent **What do you dislike about GoCardless?** There isn't really any dislikes from the app as it has helped me with my business **What problems is GoCardless solving and how is that benefiting you?** Tracking customers payments, sending invoices and giving updates if I receive a new customer or a customer leaves ### 50. Faultless service and fair fees **Rating:** 5.0/5.0 stars **Reviewed by:** Ian H. | Founder & Director, Small-Business (50 or fewer emp.) **Reviewed Date:** November 23, 2022 **What do you like best about GoCardless?** Gocardless has worked flawlessly for us for a number of years now. It's integrated into our accounts software, quickfile and once set up to take direct debits, it just works. The fees are also capped which makes it a lot more feasible for us being a small business. **What do you dislike about GoCardless?** Nothing comes to mind. We've never had any issues at all. **What problems is GoCardless solving and how is that benefiting you?** 99% of the invoices we generate are for monthly services. We used to have to chase invoices every month which took up a lot of time. We no longer have that problem because we use gocardless and bill via direct debit. ## 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?section=pricing&secure%5Bexpires_at%5D=2026-05-19+08%3A03%3A22+-0500&secure%5Bsession_id%5D=c2318a88-1960-4192-b28b-ef864f43b1f5&secure%5Btoken%5D=034a443133cdb48bb505bc4c64edfa22995fb88c85b603ce3d71e9771616c043&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 (2,675 reviews) - [Payoneer](https://www.g2.com/products/payoneer/reviews) - 3.2/5.0 (359 reviews) - [Square Payments](https://www.g2.com/products/square-payments/reviews) - 4.5/5.0 (167 reviews)