# GoCardless Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is GoCardless the right Recurring Billing solution for you? Explore 86 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/156081/GoCardless/reviews --- GoCardless 4 (86) [View alternatives](https://www.capterra.com/p/156081/GoCardless/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of GoCardless Ease of use 4.0 Customer Service 3.4 ## Pros and Cons in Reviews EB Emma B Financial ControllerNon-Profit Organization Management, 51 - 200 employeesUsed the software for: More than 2 years. “My overall experience with GoCardless is a positive one, it is a useful platform that integrates with our systems and allows for the smooth day-to-day running of our organisation.“ March 9, 2026 Edward K App Integration SpecialistComputer Software, Self-employedUsed the software for: More than 2 years. “This makes development, testing and debugging tiresome.“ October 30, 2025 RO Richard O Founder and DirectorComputer Software, 2 - 10 employeesUsed the software for: 1-2 years. “It is seamlessly integrated with Quickbooks to automate customer payments every month“ November 4, 2025 JM Jim M OwnerComputer Software, Self-employedUsed the software for: Less than 6 months. “Their support is slow, opaque, and unprofessional.“ October 2, 2025 TR Tamara R IT and AMS AssistantNon-Profit Organization Management, 11 - 50 employeesUsed the software for: 6-12 months. “It seems quite seamless in it's use of processing direct debits and refunds, especially from how we used to do direct debits.“ July 11, 2025 JC Joseph C Operations ManagerFinancial Services, 2 - 10 employeesUsed the software for: 6-12 months. “We stopped using GoCardless because the fees were to expensive for low value payments.“ December 27, 2024 LT Luke T Director and TutorEducation Management, Self-employedUsed the software for: Less than 6 months. “Having the automated payments and being able to take one-off payments using DD is so useful.“ June 9, 2025 JC Joseph C Operations ManagerFinancial Services, 2 - 10 employeesUsed the software for: 6-12 months. “We are based in NZ and it was very hard to contact them.“ December 27, 2024 ## Showing most helpful reviews Showing 1-25 of 86 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Ludovic B. CEO Sports Used the software for: 2+ years ### "Easy way to win time" December 6, 2022 4.0 Great, just for little payments the charges update had changed our way to work with that. For the rest, we love it. Pros with team-up integration i win so much time. recurrent memberships payments.So easy way to develop payment in our boxes. Cons possibility to decrease charges for little payment. 0,20centimes for little payment is so big. in the past we used for so much payment now it's too expensive for little payment. 0,20cent add-on has been living like an horrible news for us.. We need to use stripe now for that. Alternatives considered [BnC (Bank On Cloud)](https://www.capterra.com/p/173583/BnC/)[Zoho CRM](https://www.capterra.com/p/155928/Zoho-CRM/)[Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing GoCardless in the past, little payment great without the 0,20cent add-on and connected with teamup (we use it from 8 years now) Review Source LT Luke T. Director and Tutor Education Management Used the software for: Less than 6 months ### "Excellent payment portal where I don't need to lift a finger" June 9, 2025 5.0 Really really pleased with this service. I was debating whether just to control my own payments once the interest free period is over, but the charges are minimal and it's worth the peace of mind and time saving. Pros GoCardless is so easy to use and doesn't over-complicate things by adding unnecessary features or settings. The dashboard is user-friendly and it doesn't take long to get your head around it. Having the automated payments and being able to take one-off payments using DD is so useful. The interest-free period was extremely generous too. Cons I would quite like to have more autonomy on designing how the customer payment request looks/is designed. Getting paid out does take a bit of time, but not terrible. Switched from [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) I wanted direct debit functions and a more streamlined platform. Review Source EB Emma B. Financial Controller Non-Profit Organization Management Used the software for: 2+ years ### "A useful platform for collecting payments easily. " March 9, 2026 5.0 My overall experience with GoCardless is a positive one, it is a useful platform that integrates with our systems and allows for the smooth day-to-day running of our organisation. We therefore have no plans to stop using GoCardless, even after a tech audit. Pros My favourite feature about GoCardless is the easy way you can collect and process payments. It captures all information required for auditing and has the option to process refunds if requested by the customer. GoCardless sends regular emails with pay-out information, including the customer detail breakdown and fee amount deducted to allow for quick reconciliation, and quickly transfers money into our bank account with no issues. GoCardless integrates with both our accounting and fundraising software, ensuring the 2 systems are synced. It has a user-friendly interface and is easy to navigate. It is cloud-based and has two-step authentication. There is no big learning curve to use GoCardless. GoCardless communicates well through regular emails. Cons The thing I like least about GoCardless is the slow customer service for when bugs arise, although I do not need to seek support often, and usually operation is smooth. Fees can also be quite high on small transactions, but all the various payment collection software we use charge fees and are similar. We also pay a monthly charge, which we do not do with our platforms. However, the benefits out-weigh the fees, and we have used GoCardless for many years. The monthly charge allows us to use our custom branding, which is a must for brand awareness. Review Source RO Richard O. Founder and Director Computer Software Used the software for: 1-2 years ### "Average service at a reasonable price" November 4, 2025 2.0 It has been very up and down. The customer support team are genuinely helpful but it is limitations in the product offering that let them down. Pros The direct debit with Quickbooks, when it works. It is seamlessly integrated with Quickbooks to automate customer payments every month Cons When the direct debit integrated services between Gocardless and Quickbooks doesnt work, which happened for 50% of out customer base and was very hard to restore. Also, Gocardless cant collect payments from Poland where some of our customers are based. Review Source AS Adewale S. HIO Health, Wellness and Fitness Used the software for: 2+ years ### "Easy to use over the web" January 16, 2026 5.0 Overall, GoCardless has been an excellent platform for international payment. I think the application has really be helpful especially for start-ups. Pros GoCardless is simply amazing. I have used it at several times. I thinks it processes payments well over the web and interoprates well with various applictions Cons GoCardless had been working well for me anytime it's need. Initially, international transaction was hectic but this has be fixed over time. Review Source JM Jim M. Owner Computer Software Used the software for: Less than 6 months ### "Avoid - Unreliable and Opaque" October 2, 2025 1.0 GoCardless wasted weeks of my time and disrupted my business. I was fully verified, then abruptly shut down without appeal or transparency. Meanwhile, Stripe, PayPal, Wells Fargo, and Capital One onboarded me with far less hassle. GoCardless is unreliable, unprofessional, and cannot be trusted as a payment processor. I will be filing complaints with U.S. regulators. Pros Nothing at all. They created problems instead of solving them and added unnecessary delays to my business. I never got any benefit from using this service. Cons Everything. They demanded excessive documents no other U.S. bank or processor required, cited UK and Canadian rules instead of U.S. law, made me get an attorney letter just to approve my account, and then deactivated me two weeks later with no explanation other than “security reasons.” Their support is slow, opaque, and unprofessional. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing GoCardless Went with Stripe, as well, for multi-currency support. Also went with PayPal, who will now be my non-USD processor. Review Source TS Tom S. Director Information Technology and Services Used the software for: 2+ years ### "Useful for collecting subscription payments from customers" July 25, 2025 4.0 Handy platform for ensuring prompt payments from customers - instead of relying on them to make manual payments. Reduces the chances of missed payments. Pros Once a customer is signed up for Direct Debit, it is easy to take payments from them. Subscriptions can be bundled into templates, and changing them is straightforward. Cons Can take a few days from the payment submission date to actually receiving the funds in your account. Review Source Edward K. App Integration Specialist Computer Software Used the software for: 2+ years ### "The goto option for Direct Debits. Shame the dev tools are lacking and the pricing is on the high side." October 30, 2025 4.0 Pros Simplicity and focus. While other platforms can get distracted and try to offer everything, GoCardless have focussed on and are a near authority on making Direct Debits available to the masses. Cons The lack of developer tools to simulate events. A sandbox environment is available, but it's not possible to fast forward through time to test payments as they progress from submission to payout. This makes development, testing and debugging tiresome. The pricing is also on the high side. Review Source AS Andreia S. admissions associate Education Management Used the software for: 2+ years ### "Simplifying payments and payment plans." April 30, 2025 5.0 Super positive, stress free and reliable Pros Intuitive and the fact you can schedule payments Cons It doesn't work for American bank accounts, for instance Review Source TR Tamara R. IT and AMS Assistant Non-Profit Organization Management Used the software for: 6-12 months ### "Good so far! " July 11, 2025 4.0 Our experience with it is going well so far, it seems to work well with imis and it tracks the information without any glitches, so at the moment we have no complaints. Pros It seems quite seamless in it's use of processing direct debits and refunds, especially from how we used to do direct debits. It also seems to work well with iMIS. Cons At the moment we haven't encountered many issues in the 10 months we've been using it, it seems to be quite easy to use and allows us to move towards being paperless. Review Source CM Carolyne M. Company Director Health, Wellness and Fitness Used the software for: 1-2 years ### "Best Recurring Revenue Software" August 2, 2024 5.0 Seamless. After some admin to set it up to suit my business, it ran on it's own. I never needed to think of it again. Pros Easy to set up, integrated with my website, took payments on time and paid to me on a following date. This solved a major headache for me. Cons I honestly can't think of anything. Any mistakes were on my part and were rectified quickly. Review Source SP Smit P. Business Analyst Computer Software Used the software for: 6-12 months ### "BA Review of GoCardless" December 13, 2024 4.0 Pros Easy to integrate and good pricing for mobile payment. Cons Although the company has good scalability options, sometimes it doesn’t work properly with high load of payments. Although it is very rare. Review Source CA Clinton A. Human Resource Manager Machinery Used the software for: 1-2 years ### "GoCardless Is an Incredible Payment Processing Solution" April 29, 2024 5.0 Pros GoCardless has been a reliable and easy to use payment processing software. I like the efficiency of GoCardless. Cons GoCardless makes work easier for us. I like the flawlessness of GoCardless. Review Source JJ John J. Business Director Information Technology and Services Used the software for: 1-2 years ### "Go Cardless has given my business the tools to be able to exceed customer retention." September 18, 2017 5.0 With passing a substantial amount of money through the Go Cardless system, I find the interest fee is barely noticeable in the overall scheme. I've saved countless man hours in using the system by no longer chasing customers for regular payments and leaving it to Go Cardless to manage that for me. My customers are a lot happier too as they know each payment is taken securely If integrated with the correct Accounting Software, you can also use the same authorization from the customer to take one-off payments meaning that customers with an active authorization don't have to worry about carrying a card or cash, I just hit take payment. Customer-managed payments have never been this easy at such a competitive rate! Pros The ability to take regular payments from a customer in different frequencies sets this company apart from the competition. Previously, I had to send invoices and chase customers for payments. All that is now a thing of the past. I can agree on a date and amount with my customers and let the direct debits sort the rest out. No massive fee's for setting up and once approved by the customer, they sort the rest. The interest on transactions is extremely competitive meaning that I can work out exactly what I will get before I have even begun to discuss dates for taking payments. Go Cardless also ties into my Accounting Software meaning that I can manage my Go Cardless transactions straight from the system meaning that each invoice payment is authorised, managed and cleared at the click of a button. Cons No virtual terminal makes it difficult to take immediate payments over the phone. I would also be better to reduce the time it takes to have the money reach the business account, but it's not necessarily a negative because when you begin to take regular revenue, you barely notice the waiting period. The customer support on setting up was somewhat tricky. After back and forth communication, my very first payment was stuck in the system for a lot longer than expected. This was nearly two years ago so as far as I can hope, the signing up process is a lot more streamlined now. Review Source VR Verified Reviewer CEO Online Media Used the software for: 2+ years ### "THINK VERY CAREFULLY BEFORE YOU USE THIS COMPANY." March 15, 2019 1.0 It recently came to our attention that GoCardless had implemented something on their customer sign-up forms for customers to state that their bank account required multiple signatories. Hundreds of our customers had either mistakenly chosen this option or they had become aware of a loophole with the GoCardless payment system. It transpired that selecting the 'multiple signatory option' meant GoCardless were supposed to request additional information from customers prior to being able to collect payments. However, in our case, GoCardless incorrectly informed us that they were able to take payments even though the customers had not completed the additional process required by GoCardless. Consequently GoCardless kept informing us that payments had been collected when this was not the case. Hundreds of our customers were able to enjoy using our service without paying us anything due to the GoCardless error. The issue caused us a loss of over £22,0000. We brought the flaw to the attention of GoCardless who admitted the issue but have refused to compensate us or apologise for this serious error. Pros I have been using GoCardless for my business since 2012. When we first started using them they were a small start-up and we had remained loyal and supportive of them for over 7 years. Cons Sadly their service today is nothing like it was in the past. Over the years there have been some issues with their service but they had generally been helpful in getting things fixed. However, they service today is absolutely shocking and I would urge anyone considering using the company to be extremely careful. Review Source VR Verified Reviewer Founder Education Management Used the software for: 6-12 months ### "Wouldn't be without it " October 14, 2022 5.0 We formally employed someone to invoice and then chase monies, with this Direct Debit facility we have all our reoccurring payments time after time - furthermore it reconciles in Xero. We have save money through this automation as we only visit the platform when we need to take on new customers. Pros We love the simplicity, we drag & dropped our branding. Set up our currencies GBP, AUD, USD, CAD, EUR and created our invoicing from Xero. Requesting the customer to subscribe is very simple and follows rules from Xero etc. This really is a great product for running Direct Debit Cons Yet to find a fault with this product - it really is a simple & easy product to use. Review Source SD Sophie D. Managing Director Health, Wellness and Fitness Used the software for: 6-12 months ### "Monthly subscription " November 18, 2022 5.0 Easy to use and simple to integrate into software. Competitive rates with other similar providers. Pros Integrates well with my membership platform TeamUp. Takes monthly and one time payments, shows payments taken and processed and invoices to both parties Cons So far it does what I need. The only thing I struggled to find was overall monthly intake. While I get an email each month it would be good to get a projected on the dashboard. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing GoCardless Percentage cost was less Review Source VR Verified Reviewer Designer Design Used the software for: 6-12 months ### "A good start in the subscription business" May 30, 2021 5.0 Pros I use GOCARDLESS to process my clients' monthly subscriptions. Through the SEPA direct debit mandate (EU), the fees can be collected automatically and fully automated from the account. The payment is made a few days later minus a fee, which in my opinion is very low. The UI is very modern and makes it easy to use. With the various integrations GOCARDLESS can be integrated into existing systems or via API/Webhook into own software. Setting up a direct debit mandate is very easy for the end user, as this is done entirely online with a link provided beforehand. Cons I would like to see more customization options in the free plan. Some of my customers are confused (even if I explain it to them before) because GOCARDLESS always appears on the debits instead of my company's name. Also, filling out a direct debit mandate on paper is only available in the paid version, but I think this is an important option and should therefore be available to all users. There are many users who are skeptical about being able to grant a direct debit mandate online without a signature. A mobile app would be very desirable, as the website is not mobile-optimized and I would like to be able to access the data on the go. Review Source BF Beth F. Owner/President Real Estate Used the software for: Less than 6 months ### "Don't do it! Can't get access to my money" March 27, 2023 1.0 They're customer support is on a UK delay (we're in US). No phone support. Pros Seemed like a great idea - connected via Xero / Accounting software. Huge regrets. They've collected funds via my customer invoices. But are putting me through verification hell. They should NEVER be able to access and hold funds BEFORE they've verified our business. I'm still fighting to get the $6000 they have of ours... Cons Huge regrets. They've collected funds via my customer invoices. But are putting me through verification hell. They should NEVER be able to access and hold funds BEFORE they've verified our business. I'm still fighting to get the $6000 they have of ours...We're cash flow critical small business. There's no support phone number or escalation (at least not in the US). I feel like I've been scammed. Don't recommend. Review Source MP Mark P. President Construction Used the software for: Less than 6 months ### "Robbed by GoCardless" December 20, 2023 1.0 Nightmare! Stay away if you are in the USA. Pros Nice looking website but they have horrible customer service and cancel your account after collecting money for you and won’t give it to you or give it back! Cons They reverse their “verification”of your account after you collect a payment. They won’t say why. They won’t talk to you. They have horrible customer service and cancel your account after collecting money for you and won’t give it to you or give it back! Review Source Joseph L. CPO Information Technology and Services Used the software for: Less than 6 months ### "The best EFT Option via API" November 17, 2019 5.0 Overall, our experience with GoCardless has been fantastic. Pros Offers an amazing, simple API to hook into for electronic transactions via EFT/ACH. Really fast setup and seamless documentation. Cons I would have liked to use GoCardless as a one stop shop: i.e. having both Direct Debit and Credit Card functionality. Right now, with the lack of credit card access, we're forced to segment our payments APIs to different providers. Review Source RW Ryan W. dev Accounting Used the software for: 6-12 months ### "Support is really poor" November 22, 2019 2.0 It seems it is not ready for market or they are really short staffed. Pros I liked that my software made is easy to integrate. Cons The support is shocking. Waited weeks and only received canned, robotic replies. Review Source MC Mark C. Owner/Director Health, Wellness and Fitness Used the software for: 1-2 years ### "GoCardless for easy payment options from customers" April 10, 2022 5.0 Pros Provides easy to set-up and easy to use options for payments from customers, online payments, direct debits and recurring payments. Easy to integrate with finance software. Cons Nothing noticed as missing and easy to integrate with finance software. Review Source SL Stacy L. Owner Accounting Used the software for: 6-12 months ### "Easy and convenient " March 29, 2022 4.0 Pros I like giving the option of clients paying through their bank accounts instead of credit card Cons Fees can be high and it takes quite a bit of time for payment to be released Review Source LM Luke M. Account Manager Marketing and Advertising Used the software for: 6-12 months ### "Really nice" July 31, 2017 5.0 Cheap to receive recurring payments. Pros Nice simple interface, cost effective, good integrations, good overview of clients in general. Easy to get clients to sign up. Cons Not always easy to understand the status of payments or explain to customers how long it will take for a payment to process. Does take a while to process - I realise this is because of banks not GC. Review Source Similar Products Featured