GoCardless
UK SOFTWARE PROFILE
GoCardless
UK bank-payment specialist for invoices, memberships and recurring collections.
One product. Different jobs.
Each score uses that category's criteria. Compare products within a category, rather than comparing scores across unrelated tasks.
Pricing & practicalities
Model your total cost ↗Published starting point
Payments and merchant services
Request pricingStandard · transaction · usage billing
excl. VAT
Standard UK fee 1% + 20p, capped at £4; Direct Debit amounts above £2,000 add 0.3%. Other plans and international fees differ.
Check current price ↗Consider before choosing
- Evaluate separately from card acquiring and terminal requirements.
- Large transactions, international payments and custom branding can add charges.
Connected workflows
- Xero
- QuickBooks
- Zuora
Confirm the integration's direction, permissions, plan and sync behaviour with the supplier.
BEHIND THE AI CLAIM
AI capabilities
Success+ uses machine learning to choose retry days.
Documented capabilities
- Predictive retry timing
Plans, limits & questions
- Advanced or Pro access for Success+.
- Recovery performance is not guaranteed.
Feature-by-feature evidence
Payments and merchant services — 20 scored checks
| Capability & demo question | GoCardless50–100/100 documented fit |
|---|---|
Core workflowOnline card acceptance5.0 points availableAsk in the demoComplete a test UK card purchase and inspect its payment status. | ? Not verified Not verified in the reviewed material; confirm online card acceptance. 0.0–5.0 / 5.0 points |
Core workflowApple Pay and Google Pay5.0 points availableAsk in the demoDemonstrate the wallet checkout on a supported device. | ? Not verified Not verified in the reviewed material; confirm apple pay and google pay. 0.0–5.0 / 5.0 points |
Core workflowHosted checkout or payment links5.0 points availableAsk in the demoCreate a hosted checkout link without rebuilding the website. | ✓ Supported Branded hosted pages and embedded forms. 5.0 / 5.0 pointsEvidence ↗ |
Core workflowRecurring payment collection5.0 points availableAsk in the demoCreate a recurring collection and show the customer's authorisation. | ✓ Supported Subscriptions, instalments and memberships. 5.0 / 5.0 pointsEvidence ↗ |
Core workflowUK bank payments or Direct Debit5.0 points availableAsk in the demoDemonstrate a UK bank-payment or Bacs mandate journey. | ✓ Supported Direct Debit collection and mandate setup. 5.0 / 5.0 pointsEvidence ↗ |
Core workflowFull and partial refunds5.0 points availableAsk in the demoRefund part of a settled sale and inspect both accounting entries. | ? Not verified Not verified in the reviewed material; confirm full and partial refunds. 0.0–5.0 / 5.0 points |
Core workflowTransaction and settlement reporting5.0 points availableAsk in the demoFind a payment and reconcile its fees to the net settlement. | ? Not verified Not verified in the reviewed material; confirm transaction and settlement reporting. 0.0–5.0 / 5.0 points |
Workflow depthConnected in-person payments5.0 points availableAsk in the demoTake a terminal payment and locate it alongside online activity. | ? Not verified Not verified in the reviewed material; confirm connected in-person payments. 0.0–5.0 / 5.0 points |
Workflow depthStrong customer authentication workflow5.0 points availableAsk in the demoShow a 3DS challenge, failed authentication and the return to checkout. | ? Not verified Not verified in the reviewed material; confirm strong customer authentication workflow. 0.0–5.0 / 5.0 points |
Workflow depthStored payment credentials5.0 points availableAsk in the demoSave a customer payment method with permission and reuse it safely. | ? Not verified Not verified in the reviewed material; confirm stored payment credentials. 0.0–5.0 / 5.0 points |
Workflow depthFailed-payment recovery5.0 points availableAsk in the demoSimulate a failed recurring payment and inspect the retry schedule. | ✓ Supported Success+ recovers failed payments. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthDispute evidence management5.0 points availableAsk in the demoLocate a chargeback, submit supporting evidence and track its deadline. | ✓ Supported Protect+ supports chargeback challenges on Pro. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthInternational currency acceptance5.0 points availableAsk in the demoCollect in a foreign currency and explain conversion and settlement fees. | ✓ Supported International collection with Wise-powered conversion. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthAccounting or commerce integrations5.0 points availableAsk in the demoTrace a payment into the accounting or shop system. | ✓ Supported Named accounts and billing integrations. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthDocumented payment API5.0 points availableAsk in the demoShow API documentation for creating and inspecting a transaction. | ✓ Supported Documented customers, payments, refunds and payout endpoints. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthWebhooks and payment-event handling5.0 points availableAsk in the demoDemonstrate receipt, retry and deduplication of a payment event. | ✓ Supported Signed event notifications and handler guidance. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthRestricted operational permissions5.0 points availableAsk in the demoLet support refund within its authority without changing bank details. | ? Not verified Not verified in the reviewed material; confirm restricted operational permissions. 0.0–5.0 / 5.0 points |
AIMachine-learning fraud screening5.0 points availableAsk in the demoInspect an ML risk decision and the merchant's available response. | ? Not verified Not verified in the reviewed material; confirm machine-learning fraud screening. 0.0–5.0 / 5.0 points |
AIPredictive acceptance or retry optimisation5.0 points availableAsk in the demoShow how model-driven timing or routing differs from a fixed rule. | ✓ Supported ML selects retry timing; merchant sets timeframe. 5.0 / 5.0 pointsEvidence ↗ |
AIReviewable AI decisions or evidence5.0 points availableAsk in the demoInspect the signals, evidence or review queue behind an AI recommendation. | ? Not verified Not verified in the reviewed material; confirm reviewable ai decisions or evidence. 0.0–5.0 / 5.0 points |
“Not verified” means the recorded evidence does not settle this specific check. It does not mean the feature is absent. Read the scoring method.