Likelihood to Recommend
We believe GoCardless is the best-in-class solution for global companies who wish to streamline payment processing in many countries, especially when integrating within a company website or supported complementary software. It also works very well for recurring payment situations as it can be very streamlined for recurring & auto-payments. This is NOT a tool for credit card processing, so understand that and consider something like Stripe if credit card integration is your goal. The fees for GoCardless may be highly dependent on the anticipated processing volume and size of your business, so do know that very tiny companies may find the fee structure to be higher. For a US-only business, I'm not sure if GoCardless really would make the most sense outside of specifically for integrating within the software for click-thru payment processing. Where GoCardless shines is when your business operates in many countries and is looking for a seamless solution for your customers that also avoids them paying banking fees.
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For medium, to large companies, I have recommended Payline Data.
Read full review Pros Real time status of direct debit payments Homepage dashboard is well made and efficiently tracks the payment status GoCardless website supports multiple language Read full review Payline Data has a great gateway and interface. Most credit card processors use a third party gateway to process payments. I liked that Payline had their own and therefore I didn't have to pay another company additional money. So this saves me money. To be honest it is a good tactical marketing advantage for them as well. If I need to log in and see transactions I log in to their site. The company that I used to work before used the third party, so I can't even remember their name as I rarely visited their site. At first, their gateway interface was very blah. It did the trick, but it was so plain and frankly, it was ugly. They redesigned it several months ago and it looks a lot better now. Very easy to use as well. Their API was very easy to set up. I did have a few questions about it and I was able to get very quick help. They quickly set up my account. This was very important to me. I had tried to contact several credit card processors and had to wait for several of them to return my call. I immediately got a hold of Payline and they had the account set up quickly. Read full review Cons Not really useable on mobile - no mobile app and poor display in a mobile browser Takes a while for the first payment in a DD to come in, although I appreciate that's a limitation of DD rather than a GoCardless issue, it's worth noting compared the credit/debit card alternatives Read full review I only have one complaint and it is a very simple one and probably easy to fix. But I receive a daily email from them that has my automatic subscription charges that were done early that morning. It shows a summary of the charges and the declines. The declines show a detailed description of what transaction was declined. But the successful charges are not listed. I wish it would list the successful charges as well. The only other thing I wish is, I wish they were free :). But of course, they need to make money. With that being said, I think they are cheaper than some of the ones I have used before. Especially since I use their gateway and don't pay additional gateway fees. Read full review Usability
It has a good web dashboard, you can see who has paid, who hasn’t, when payments will be taken from client and when they will arrive in the bank account
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There is no phone support, email only, and the support is slow coming. The support staff often don't read your support query properly, so you waste time having to re-explain yourself. That is the only downside of this product.
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GoCardless provides a simple way to take one-off card payments or set up direct debits for customers. Payment links can be included on electronic invoices, and certainly, from a UK perspective, it provides a more professional appearance than using, say, PayPal for business-to-business payments.
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Honestly, I don't remember the names of the other credit card processors I have used prior to Paypal and Payline Data. I have used other merchant account services that integrate with the Authorize.net gateway. But Paypal was by far the worst. It was overpriced and integration was a mess as they themselves on their own site had outdated information. I wasn't just using Paypal's regular business account but I also had their merchant account services. Which meant I could process credit cards without people even knowing I was using Paypal. Their merchant card services were very sloppy and the API was a mess to set up. But the worst part of Paypal was their professionalism. On the other hand, Payline Data was easy to set up, cheaper to use and great personal and professional customer service. I felt very well taken care of.
Read full review Return on Investment Increase customer digital payments vs. check by 18% and climbing. Decrease time to pay significantly and allow payment directly at time of order. Reduce write-off and non-payment by customer. Cost to Kanopy has been reasonable and benefit exceeds the fees. Read full review They have been easy to get a hold of if I have a question They seem less expensive than some of the other processors I have used. Read full review ScreenShots