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GoCardless

GoCardless

Overview

What is GoCardless?

GoCardless, from the company of the same name in San Francisco, is a recurring payments platform that integrates with the applications businesses use every day, to give businesses more visibility over payments and saving the time on tasks like payment…

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Recent Reviews

TrustRadius Insights

GoCardless has been widely praised for its ability to simplify the payment process for customers. Users appreciate that the platform …
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Pricing

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What is GoCardless?

GoCardless, from the company of the same name in San Francisco, is a recurring payments platform that integrates with the applications businesses use every day, to give businesses more visibility over payments and saving the time on tasks like payment reconciliation. The vendor states they partner…

Entry-level set up fee?

  • No setup fee

Offerings

  • Free Trial
  • Free/Freemium Version
  • Premium Consulting/Integration Services

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Product Demos

Instant Bank Pay Demo

YouTube
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Product Details

What is GoCardless?

GoCardless Video

GoCardless Integrations

GoCardless Technical Details

Operating SystemsUnspecified
Mobile ApplicationNo
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Comparisons

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Reviews and Ratings

(13)

Community Insights

TrustRadius Insights are summaries of user sentiment data from TrustRadius reviews and, when necessary, 3rd-party data sources. Have feedback on this content? Let us know!

GoCardless has been widely praised for its ability to simplify the payment process for customers. Users appreciate that the platform enables easy payments through a portal without incurring any fees, making it an attractive option for those looking for a convenient and cost-effective solution. The integration with web portals also allows for seamless payment processing, minimizing the need for expensive credit card payments and converting customers to ACH direct debit.

Small businesses have found GoCardless particularly beneficial, as it provides a low-cost solution for receiving payments through direct debit. This is especially advantageous for customers who may not be tech-savvy, as the platform is quick and easy to set up and integrates well with different website landing pages. Moreover, GoCardless eliminates the need for customers to create standing orders and reduces manual payment processes by facilitating monthly recurring payments.

Another key use case of GoCardless is in managing installment payments. The platform allows businesses to collect direct debit payments from customers who prefer to pay in installments, improving timely payment rates and streamlining cash flow. Additionally, GoCardless offers effective business data reporting, enabling users to make informed decisions for enhancing production. Its powerful performance has also been noted by users, contributing to successful acquisitions.

Furthermore, GoCardless provides solutions beyond borders, serving customers in multiple countries including the UK and Germany. It has proven effective in online purchasing and subscription services, allowing customers to easily subscribe to quarterly subscriptions. For businesses using Xero as their accounting software, integration with GoCardless ensures seamless reconciliation of recurring payments, streamlining financial processes.

Overall, GoCardless offers a range of user-driven use cases that address various pain points faced by businesses and customers alike. From simplifying payment processes and reducing costs to improving timely payments and providing powerful reporting tools, GoCardless has positioned itself as a valuable solution in the realm of direct debit payments.

Smooth and efficient onboarding process: Several users have praised GoCardless for its smooth and efficient onboarding process, allowing for easy customer integration. They have found that the implementation of GoCardless was hassle-free and seamless, enabling them to quickly start accepting direct debit payments.

Responsive customer service: Many reviewers have appreciated the excellent customer service provided by GoCardless. They have found the support team to be helpful and responsive, particularly in resolving technical issues or troubleshooting problems. Users feel confident knowing that they can rely on prompt assistance when needed.

Real-time payment tracking: A number of users have highlighted the well-designed dashboard provided by GoCardless, which offers a real-time status of direct debit payments. This feature allows businesses to effectively track payment statuses and stay updated on their financial transactions with ease.

Inconsistent Pricing Structures: Some users have found the pricing structures of GoCardless to be confusing and variable, leading to difficulties in understanding what they will be charged.

Limited Support for Bank Accounts: Several users have expressed frustration with GoCardless' limited support for bank accounts in certain countries. This limitation has restricted their ability to use the software effectively.

Lack of Mobile Optimization: Many reviewers have pointed out that GoCardless lacks a dedicated mobile app and has poor display on mobile browsers. This makes it inconvenient for users who need to access the software on-the-go or prefer using their mobile devices for business transactions.

Users highly recommend trying GoCardless as a software for managing payments. They mention that it integrates well with accounting software like Xero and is considered a leader in the direct debit field for programmability and API access. The software has been praised for its simplicity, ease of use, and ability to save time and money. Users also appreciate that the service is offered at a fair price and significantly improves cashflow. Some users even wish that the software had been available 10 years earlier. Overall, users highly recommend trying GoCardless if you need to collect money from customers regularly or infrequently.

Attribute Ratings

Reviews

(1-8 of 8)
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Roseli Ferreira | TrustRadius Reviewer
Score 9 out of 10
Vetted Review
Verified User
Incentivized
GoCardless has the best capability for easy and effective business data and has great reports on effective business decisions and marking for production enhancement. GoCardless is a powerful platform for this business. It has the best performance and it helps in generating amazing acquires.
  • Professional is quietly needed.
  • This platform requires best users.
  • Excellent in big business management.
  • The users may need mostly help in this platform.
  • Powerful machines are required.
  • Only professional needed to import large files.
GoCardless is easy to upload projects documents to the cloud through GoCardless capabilities. The flexibility of this platform has quick services and the productivity is excellent cost manageable. This platform is easy to customize and has the best interface the business requires. GoCardless is the best reporting tool in this business.
Cody Murley | TrustRadius Reviewer
Score 9 out of 10
Vetted Review
Verified User
Incentivized
Kanopy expands its global footprint significantly in recent years, and the business was looking for a global payment processing solution that would allow customers to easily make payments thru a portal to local bank accounts without incurring any fees on their end. We specifically were looking to integrate payment processing directly into the web portal that customers use for Kanopy. The goal was to minimize more expensive credit card payments and also convert customers who still pay by check to ACH / direct debit. Kanopy has 2 options for invoicing, a direct 'shopping cart' method to pay upon purchase or an end-of-month invoicing based on usage. Integrating GoCardless would allow customers who purchase via shopping cart to pay via other methods than simply credit card, which is cheaper for Kanopy.
  • Onboarding and implementation process.
  • Customer integration for software that can't connect "out of the box".
  • Customer service (specifically with technical issues and troubleshooting).
  • Pricing structures - very specific to each user and seems to vary greatly.
  • Add additional countries to supported list for bank accounts.
  • Adoption strategies for users' customers.
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.
Score 8 out of 10
Vetted Review
Verified User
Incentivized
2 years back, one of our clients was looking for payment gateways to receive the payments through direct debit. Since my client was a small business and many of its customers are not that tech-savvy, we decided to set up the dd through GoCardless solely because of the low membership fee. This turned out to be our best decision as GoCardless was quick & easy to set up the platform and integrated well with lots of different website landing pages to process payment.
  • Real time status of direct debit payments
  • Homepage dashboard is well made and efficiently tracks the payment status
  • GoCardless website supports multiple language
  • Reconciliation of balance could be expedited
  • Didn't get data of customers who cancels their payment
I think it's a great payment gateway for small businesses which are new to the business and looking for something low budget & an easy-to-use platform to begin accepting the payments. It does streamline the cash flow & gives good visibility to payment status but sometimes it takes 3-4 days in the reconciliation of balances which might not be suitable for businesses looking to have a quick turn-around-time of balances.
Score 9 out of 10
Vetted Review
Verified User
Incentivized
Most of my business' income is monthly recurring payments, so we use GoCardless to process those payments, rather than relying on customers creating their own standing orders. It fixes the issue of manual payments and also waiting for customers to set up those standing orders. The fees are a little higher than they used to be as they uses to be capped, but they're still very low.
  • Reliably takes recurring payments
  • Makes it easy and secure for customers to set up their direct debits with us
  • Informs us when payments have failed at the customer's end
  • Makes it easy to see upcoming payments that will be collected
  • 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
Particularly if you take recurring payments, it's very useful. Also if you want to pay smaller fees compared to credit/debit card alternatives. It's less appropriate if it's important that the first payment arrives immediately, and also if you're looking to connect it with e-commerce platforms - it's not really suited to that.
Duncan McMillan | TrustRadius Reviewer
Score 10 out of 10
Vetted Review
Verified User
Incentivized
We use GoCardless to take direct debit payments from customers wishing to pay by installments.
  • Makes it easy to set up a series of direct debit payments
  • Helps us to get paid more reliably
  • Provides a means to take one-off card payments without having our own card processing facility
  • The web-based admin dashboard for setting up direct debits can be a little confusing
Some services we provide (e.g., web hosting) are billed on a recurring basis. Operationally, and from an internal point of view, it makes sense to bill these annually. For cash flow, customers prefer to pay monthly, and we use GoCardless to set up monthly direct debit payments against our annual invoices. This keeps our customers happy while giving us our regular income without incurring the administrative overhead of monthly billing and payment handling.
Garreth Collard | TrustRadius Reviewer
Score 7 out of 10
Vetted Review
Verified User
Incentivized
GoCardless is used as a direct debit service. Clients elect to pay this way. Only the Accounts staff is involved in this aspect of things therefore, it is not used by the entire organization. The problems it addresses revolve around being paid or not. We notice that when clients use this service, we tend to get paid on time. Most clients pay directly, and a smaller proportion use this service, probably equivalent to the amount that pay via credit card
  • Direct debit
  • Xero integration
  • Notifying clients of impending payments
  • Not clear to clients how to cancel a DD.
  • Hard to get hold of support.
  • Requires manual setup in Xero, i.e. not 100% straightforward.
[GoCardless] is best in any scenario where you are looking for a cost-effective DD solution. It integrates well with Xero. [GoCardless] is not suitable for a roadside fruit stall or kids selling lemonade from their driveway.
Score 10 out of 10
Vetted Review
Verified User
Incentivized
GoCardless is used to provide direct debit payment solutions for our customers across a number of countries which include the UK and Germany. We use it to allow online purchasing and also to allow customers to subscribe to our quarterly subscriptions.
  • Awesome API
  • Excellent documentation
  • Easy to use dashboard
Perfect for direct debit solutions that work across multiple regions. GoCardless has saved us development costs and made supporting our customers so much easier. Appropriate for EU and now also US.
Score 10 out of 10
Vetted Review
Verified User
Incentivized
We use GoCardless to collect recurring payments from customers and integrate with Xero for reconciliation.
  • Ease of use
  • Integrations
  • Reliability
  • Open banking
  • Easier refunding process
Any recurring payment situation. Offering customers an alternative to credit cards and for businesses to reduce reliance of more expensive card processors.
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