# Page 2 | GoCardless Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 2 - 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 # Page 2 - Reviews of GoCardless ## Showing most helpful reviews Showing 26-50 of 86 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use SR Simon R. CEO Computer Software Used the software for: 1-2 years ### "Gocardless" April 24, 2025 4.0 Très satisfait, c'est un outil que j'utilise au quotidien et qui m'apporte un service apprécié Pros Super simple d'utilisation et intégré avec mon CRM, je gère les paiement ponctuels et récurrents en quelques clics Cons La recherche de client est très fastidieuse, je n'ai pas trouvé de barre de recherche par nom Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing GoCardless Plus simple à utiliser et meilleure intégration avec mon CRM Review Source NP Nicolas P. IT Manager Information Technology and Services Used the software for: 2+ years ### "A must have for automated recurring payments" March 9, 2025 5.0 Used in company since several years, all is OK and fees are low for services Pros Good solution for automated recurring payments and instant payment with the last upgrade Cons need to have a more explicit mail when had payment issue Review Source JM Jake M. Director of Operations Health, Wellness and Fitness Used the software for: 2+ years ### "A great option for a small business to take monthly payments" April 8, 2025 5.0 Great, not had any issues with them since using them for over 2 years. Pros Makes it easy to remove add members Direct debits details and assess what is coming in. Makes it very clear around how much of a fee Gocardless take too, very transparent Cons We had a switch of business name where communication could have been better but it was thorough which is good. Review Source JC Joseph C. Operations Manager Financial Services Used the software for: 6-12 months ### "GoCardless - Direct Debits" December 27, 2024 4.0 Go Cardless were very hard to deal with, especially when we set up a dedicated truct account to recieve inbound payments. It was very hard to get GoCardless to recognise this account, even though it was specifically just for payments that were to be made via Go Cardless. Pros It provided a solution that allowed our customers to authorise Direct Debit payments for recurring payment amounts. Cons We are based in NZ and it was very hard to contact them. We stopped using GoCardless because the fees were to expensive for low value payments. It is actually possible to direct debit money from a persons account without obtaining their permission. Review Source SD Salvador D. diercteur Management Consulting Used the software for: Less than 6 months ### "ATTENTION ESCROQUERIE" November 8, 2024 1.0 Client ou victime chez eux depuis très peu. Après avoir prélevé les sommes chez nos clients, notre compte a été désactivé. Aucun paiement sur notre compte, aucun remboursement aux clients. Je leur ai écrit plusieurs mails tous sans réponse Un dépôt de plainte est en cours à leur encontre pour escroquerie et visiblement ce n'est pas la seule plainte. Pros aucun c'est une escroquerie, prélève l'argent sur les comptes des clients puis deviennent injoingnable Cons après avoir prélevé les sommes de nos clients. Aucun paiement sur notre compte, aucun remboursement aux clients. Aucun moyen de les joindre. Review Source MD Mark D. CEO Computer Software Used the software for: 1-2 years ### "Reliable and cheaper alternative to credit card payments " November 10, 2024 5.0 Good, it just works and you can rely on it. Pros So much cheaper than credit card payments. Cons I would like to integrate it more with my financial system. Review Source DS Dustin S. CEO Financial Services Used the software for: 1-2 years ### "NEVER Use This Service - They are the WORST!" December 4, 2024 1.0 I HATE this business!! They are the absolute worst. They allow you accept payments from customers, and THEN they suspend your account. The "Account Review" team can ONLY be reached by email and then NEVER respond. They have over $40,000 of my funds and have holding my account hostage for over two weeks and counting... Pros The provide of their service, which they have broken. Cons Everything about actually working with them. Review Source TS Tracy S. Insurance agent Insurance Used the software for: Less than 6 months ### "GoCardless" September 2, 2025 5.0 Pros I love how it is organized and the different features you can easily use. It’s a very productive and affordable software to use. Cons I have no dislikes on this software. I would recommend this software to others for business and personal use. Review Source KM Katie M. Head of School Education Management Used the software for: 6-12 months ### "Minimal Transaction Fees for Reliable Payment Processing" September 30, 2024 5.0 Pros The minimal transaction fees. This was the only way we were able to afford to start accepting online payments for tuition/fees right off the bat. Cons Some of the banking terminology is perhaps unique to Britain, or at least very different from what's commonly used in the U.S., so there's a small learning curve to figuring out how transactions are processing. Review Source RS Rod S. Case Manager Legal Services Used the software for: 1-2 years ### "Excellent Product " September 17, 2024 5.0 Excellent system for regular payments to one supplier. Pros Simplicity and straightforward notification before and after payments. Cons Many emails generated for one transaction but it is required. Review Source ME Mbiuki E. Procurement Officer Transportation/Trucking/Railroad Used the software for: 1-2 years ### "GoCardless: A Great and Must-Have Payment Management and Processing Solution" April 30, 2024 5.0 Pros GoCardless has been an amazing tool that makes payment processing smooth. It is accurate to use and reliable. Cons GoCardless is so amazing. I haven't experienced issues with GoCardless. Review Source LN Lisa N. Director Accounting Used the software for: 2+ years ### "Time Saver and Really Helped Our Cashflow" October 16, 2023 5.0 It's been an overwhelmingly positive experience. Its helped to automate the invoice billing function, saving time, and costs because I'd say its at least 80% cheaper than the software provider we were using before. Our preferred payment method is BACS or GoCardless. Pros I like having a link that you can send and invite people to sign up which can be customised with your business logo. We use it on all our communications. Before, people had to download a page, print it off, sign it, and scan or post it back... this is all online, its quick and its easy for customers to sign up. Cons Sometimes the Direct Debit collected doesn't automatically allocate itself within our QBO system to the customer who paid... I think its how we set it up (yet some DO match themselves off), so I've got to figure that one out. Review Source SN Sohrab N. Director Information Services Used the software for: 6-12 months ### "Warning - DO Not USE GoCardless with Xero. Userless Software,and they block your account immediately" October 1, 2021 1.0 total SCAM Pros SCAM - total fake and useless software as they s Cons You should first verify customer, and accept applications before offering service and half way then deactivate our accounts. SCAM , shame on your GoCardless.. I hope our invoice gets heard by your team and hopefully you change your processes. Reason for choosing GoCardless Xero has no alternative, so in discussion to either offer alternative or take them both to dispute. We will write our feedbacks to lawyers for feedback Review Source LG Luigi G. Imprenditore Public Relations and Communications Used the software for: 6-12 months ### "Incasso ssd facile" February 23, 2023 3.0 Tuto sommato buona. Ma l'assistenza lascia molto a desiderare. Pros È una delle poche piattaforme a offrire l'incasso degli addebiti diretti. Credo sia il suo più grande pregio. Cons Il processo di registrazione è lento e macchinoso e non è detto che ti approvino in poco tempo. Decisamente da rivedere tutto l'onboarding. Reason for choosing GoCardless Per la gestione degli addebiti SEPA Review Source JG Jane G. Founder Health, Wellness and Fitness Used the software for: 1-2 years ### "Great little system for handling direct debit payments" April 23, 2022 5.0 The big benefit is that it just deals with all the payments behind the scenes and saves me so much time. I only have to get involved on the rare occasions that a payment fails or something unusual occurs, and then it flags this up for me. Pros It’s really easy to setup, and it’s really easy for my customers to setup their payments, even though many of them are not very IT savvy. I love that this software just gets on with the job of dealing with my customer payments and I rarely have to get involved! Cons The only thing I noticed it was missing was the ability to take payment in all currencies. We have used it for sterling, euro and Australian dollar payments. We would have used it for Japanese yen too had the facility been there. Alternatives considered [Worldpay for Enterprise](https://www.capterra.com/p/165694/Virtual-Terminal/)[Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing GoCardless GoCardless was far simpler to setup, less expensive and it matched our business processes best. It also integrates with our main business system, TeamUp. Review Source VR Verified Reviewer Owner Design Used the software for: 1-2 years ### "GoCardless for WooCommerce & Xero Payments" April 22, 2022 4.0 Overall, I am happy with GoCardless. At first I just offered it on my Xero invoices, but since moving my invoicing and subscriptions to WooCommerce, I have implemented it on there too. I found my Xero connection wouldn't stay connected after I had it linked to WooCommerce though - not sure if thats a fault, or intentional. Pros I now offer GoCardless as an alternative to Stripe for my website recurring payments (subscriptions). Many clients prefer paying from their bank account over a credit card, and I am happy to have an auto billing option that provides that service to them. Cons It seems to take a while for payments to clear in my account. Just be mindful of this before implementing - if you thought Stripe was slow, GoCardless is slower. Factor that into your decision. Alternatives considered [MYFUNDBOX](https://www.capterra.com/p/194113/MYFUNDBOX/)[Billforward](https://www.capterra.com/p/196970/Billforward/)[Chargebee](https://www.capterra.com/p/131433/Chargebee/) Reason for choosing GoCardless Chargebee had high fees, and I tried both Billforward.io & My Fund Box but wasn't a fan of their interface or general settings, especially in relation to Australian GST requirements (tax invoices) and integrations, etc. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/)[Stripe](https://www.capterra.com/p/123889/Stripe/) The reduced fees in comparison to PayPal and even Stripe has been a welcome change though, and although it takes a while to get the cash in my bank account, for the reduced cost to accept payments this way, I am happy and will continue to use GoCardless. Review Source EC Elliot C. Director Accounting Used the software for: 2+ years ### "Go Cardless - A fantastic solution" July 21, 2023 5.0 Game changing! This has made our debt collection process so much more efficient and so easy to rectify any payment issues. We no longer have issues of overpaid or underpaid amounts as this collects as necessary on invoice due dates.. Pros We are able to receive payments via DD which means monthly invoices are settled on time every time. The integration with Xero has removed so much of the manual input when reconciling the debtors accounts. Cons Nothing to report, I think the software is fantastic Review Source HH Helen H. Head of Theatre Performing Arts Used the software for: 6-12 months ### "GoCardless " January 9, 2024 5.0 My overall experience with GoCardless is incredibly positive and I would definately recommend anyone using this to make their life easier collecting payments from customers. Pros I'm really impressed at how GoCardless has enabled me to seamlessly take payments automatically from my customers, cutting down on my admin time. Cons There isn't really anything about it that i don't like. Review Source VR Verified Reviewer General Manager Management Consulting Used the software for: 2+ years ### "Excellent direct debit solution for vendors" May 28, 2023 5.0 GoCardless is perfect for everybody that wants to start offering direct debit to clients without having to invest vast amounts of money upfront. Pros GoCardless was very simple to setup years ago when we wanted to offer our clients the option to pay via direct debit. Forunately there is a ready made connection to Zoho Books which made the whole setup extremely easy. Cons The fees are a bit higher than competitors, but that's understandable given the fact that there are no setup fees or recurring fees. Alternatives considered [Mollie](https://www.capterra.com/p/195767/Mollie/) Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/)[Unzer](https://www.capterra.com/p/246129/Unzer/) Didn't want to pay every month for a service I don't always use that extensively. Review Source DJ Daniel J. Accountant Accounting Used the software for: 2+ years ### "Excellent way of getting paid quickly by direct debit" October 7, 2022 5.0 Excellent experience overall, highly recommended. Pros It was very easy to set up and integrate with QuickBooks and Xero. It collects payments for us successfully for many years. It does automatically try to collect failed payments without extra charges for that. Price wise it is a better solution than e.g. Stripe or PayPal, expecially for higher amounts, as the fee is capped in GoCardless. Cons There was quite a substantial price increase some time ago, but still, it is very cost-effective. The money could have arrive in our bank account quicker. Reason for choosing GoCardless The seamless setup and integration with QuickBooks and low fees. Review Source AW Amanda W. Office Manager Information Technology and Services Used the software for: 2+ years ### "GoCardless Makes Life Easier" April 21, 2023 5.0 We have been able to encourage more of our clients to sign up to this payment system as it is easy and straightforward for them to manage. It has lessened the admin for both us and them. Pros The integration of Sage with this payment system is paramount to our business. Clients are encouraged to sign up to this which enables us to manage our cash flow more effectrively. Cons To date I have not come across any features that I have not liked or used. Review Source John G. Digital Marketing Specialist Health, Wellness and Fitness Used the software for: 2+ years ### "Best Solution On The Market" July 27, 2021 5.0 Ou experience has been very positive. The platform is super easy to use. GoCardless is our main payments gateway and we will be sticking with them. Pros Very easy to get started with GoCardless. And super easy to either add payment requests manually or import them. They are by far the easiest payment solution platform I have come across. Cons The direct debit signup is hosted on their side. With the free tier, you get a link to a dedicated page where customers can submit their details. Recently we have updated our onboarding process and to integrate a seamless customer experience (i.e. the customer not being navigated to a GoCardless page) we need to subscribe to their Pro tier which is very expensive. Very disappointed with this feature not being available to at least the Plus tier. Review Source John J. Accountant Accounting Used the software for: 2+ years ### "Good value easy to use Direct Debit software" September 23, 2022 5.0 The automated collection of payments has streamlined the accounts and credit control function Pros This was easy to set up and integrate with Xero and has worked well Cons For the client it would be good to make it clearer what each payment was for - our old system made our name clear and the reference but some clients seem to get confused with GoCardless - minor issue Review Source VR Verified Reviewer Responsable de operaciones Environmental Services Used the software for: 6-12 months ### "Plataforma innovadora para gestión de pagos" August 25, 2023 4.0 Pros Nos ha permitido ahorrar mucho tiempo en las gestiones que realizábamos previamente. Se ha convertido en un proceso más sencillo. Lo hemos probado en una de nuestras sucursales y están muy contentos. Cons Mo hay nada a destacar, se lo hemos implantando y no hemos tenido problemas de momento. Review Source KS Karen S. Finance Officer Food & Beverages Used the software for: 2+ years ### "Food Connects Inc." July 11, 2023 5.0 Love it for the most part. Pros The Ease of use and Reporting is exceptional. Cons It looked at the balance due to early and did not consider credits applied. Reason for choosing GoCardless Highly recommended by Xero, and the representative I spoke to was extremely knowledgeable. Review Source Similar Products Featured