GoCardless is a SaaS payment platform that enables businesses to automate the collection of payments directly from customer bank accounts using Direct Debit and open banking. It supports recurring, subscription, and one-off payments, integrates with over 350 software solutions, and provides real-time payment status, automated reconciliation, and advanced anti-fraud features. GoCardless is designed to reduce manual admin, improve cash flow, and lower payment processing costs, with support for multiple currencies and international transactions.

Key Features

Automated Payment Collection Automates the process of collecting payments from customer bank accounts.

• Supports recurring, subscription, and one-off payments
• Collects payments on any day of the month

Open Banking and Direct Debit Enables secure, bank-to-bank payments.

• Instant payments via open banking
• Direct Debit for automated, reliable collection

Pre-built Integrations and API Easily connects with business systems and software.

• Over 350 software integrations
• Industry-leading API with webhooks and client libraries

Real-time Payment Insights Provides up-to-date information on payment status.

• Real-time notifications for failed or cancelled payments
• Automated retries for failed payments

International Payments and Multi-currency Support Handles payments across multiple countries and currencies.

• Supports ACH, Bacs, SEPA, and more
• Accepts payments in AUD, CAD, DKK, EUR, GBP, NZD, SEK, USD

Security and Compliance Ensures data protection and regulatory compliance.

• ISO27001 and ISO22301 certified, FCA regulated
• Advanced anti-fraud solutions and secure customer verification

Benefits

Reduced Administrative Burden Minimizes manual payment processing tasks.

• Automates payment collection and reconciliation
• Reduces time spent on chasing late payments

Improved Cash Flow Accelerates payment receipt and reduces payment failures.

• Faster settlement times (as little as 2 days with premium plans)
• Lower payment failure rates with intelligent retries

Lower Payment Processing Costs Reduces fees compared to card payments.

• No card fees; pay-as-you-go pricing
• Lower processing fees than traditional card processors

Enhanced Customer Experience Provides a seamless and transparent payment process.

• Instant notifications and custom branding
• Simple, user-friendly interfaces