GoCardless vs. XPAY

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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Xpay is perfect for a centralized location for all payments coming in. It also handles the security and ease to be incorporated by our IT team into the online portal. A vast array of different payment methods ensure all possible options are covered. You can then track what has been paid and now and send reminders.

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• Real time status of direct debit payments
• Homepage dashboard is well made and efficiently tracks the payment status
• GoCardless website supports multiple language

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• perfect for getting payment for invoices
• allows users to use card payments
• shows revenue real time

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• Reduction in fees for customers who use it for large volumes of clients
• Easier for clients to review their payment plans
• Payment sooner to our bank account

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• could be more incorporable into accountancy software
• easier OFX exportation

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We have had no issues with GoCardless since it was implemented in our new software. The customers are able to sign up with ease. The reporting on the site is very helpful and the site is easy to navigate

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A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info

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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A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info

It stacks up well against Stripe but I think they serve different purposes. Stripe is better when it comes to integrations, GoCardless is great for recurring payments, particularly for service-based businesses.

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A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info

Xpay could do with some more personalization features but is more cost effective. For example ability to add photos or videos to requests. Payment can be taken via ascend but accepts less payment types and is not as secure hence the replacement with Xpay. Xpay is a simplified version and easy to use and scale.

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• It has helped us to provide alternative payment options to our clients
• It has helped us to secure regular and timely payments with the minimum of fuss

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Independently Invited by TrustRadius

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• Saves a tone of time
• Extra cost could be cheaper
• Possibly cuts time for payments as people can pay however they like

Incentivized

Independently Invited by TrustRadius

A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info