# Page 3 | GoCardless Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 3 - 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 3 - Reviews of GoCardless ## Showing most helpful reviews Showing 51-75 of 86 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use SO STANISLAS O. Finance manager Human Resources Used the software for: 2+ years ### "Gocardless - Be able to add a payment choice for your customers" January 2, 2024 5.0 We used Gocardless since 2015, I discovered the product in 2020 and I recommend it because the product is still ramping up, more ergonomic and try to add in France the "instant direct banking" to earn efficacity an security. Pros What I like in Gocardless is his reliability, we connected it to our acconting system, ours emails adress, our software and also at our internal communication. It's posible to deal with our reccuring billing but also one time payments. Success+ is also a good product of Gocardless to which automatically restarts failures. Cons I'm a little bit of disappointed the time to recover the money between the billing and the money in our bank account. It's between 8 and 14 days. Alternatives considered [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/) Reason for choosing GoCardless Their documentation for engineers but also the price and the choice to not be engaged. Review Source MM Mark M. Director Non-Profit Organization Management Used the software for: 2+ years ### "Simple, effective and easy to use" August 8, 2023 5.0 Generally hassle free and does all that we need it to do. Pros It is simple to setup and use and integrates easily with so many 3rd party applications. Cons There is nothing particular to dislike about this product Review Source Andrew C. Technical Director Information Technology and Services Used the software for: 2+ years ### "Coiuld have been so much better" August 4, 2023 3.0 Poor. instead of accepting direct debits seemlessly, it prompted clients to pay monthly, which some did and some didn't. It was not the automated solution that was sold to us. Pros Not a lot. It certainly did not deliver anything that it promised. Very unhelpful. Cons i did not deliver. It was suppossed to be our solution for accepting direct debits Reason for choosing GoCardless it was offered to my by my quickbooks package and integrated into it. Review Source AR Alistair R. Director Computer Software Used the software for: 2+ years ### "Good functionality but very expensive " October 31, 2022 4.0 good software but bitter taste left now that i am locked into a three year contract with really unacceptably high rates Pros integrates well with Xero allowing total flexibility on variable direct debit collections. retry functionality for failed invoices is good although could be improved automations and integrations with the likes of zapier Cons its incredibly expensive - almost 3 times the price of someo others in the market. their claim that this is due to the advanced functions that for us are almost certainly redundant Review Source AT Andrew T. Commercial manager Performing Arts Used the software for: 1-2 years ### "Thank yourself later" January 14, 2023 4.0 Excellent. Talk about it to anyone I know who’s got it setting up their own venture. Pros Never having to worry, plan or stress about monthly fees or subscriptions. Once customers are set up on a direct debit your whole business Is far more efficient. Cons On the very odd occasion we’ve had a customers DD’s taken twice for the same month. Fair play to the team though, it’s back with the customer typically within 24-48 hours. Review Source Joel O. Customer Care / Training Manager Logistics and Supply Chain Used the software for: Less than 6 months ### "GoCardless Has Been A Big Plus To Our Business" September 23, 2021 4.0 GoCardless has instituted flexibility in our payment and billing system. It has also placed everyone and departments on the same page regarding cash flow and expenses. GoCardless has streamlined our accounting practice. Pros I aGoCardless has instituted flexibility in our payment and billing system. It has also placed everyone and departments on the same page regarding cashflow and expenses.Gocardless has streamlined our accounting practice.m impressed by the quality of the GoCardless customer care - the promptness and professionalism given to customers issues is a big plus for GoCardless. Go cardless has solved the time I wasted in creating invoices and bill settlement for our small company. The GoCardless user interface is easy to use. Cons There is just one minus GoCardless has to deal with. The waiting time for processing invoices and payout is a bit too long.. Review Source Daniel F. Owner Computer & Network Security Used the software for: 6-12 months ### "Holding over $3000 for months with zero support" May 19, 2023 1.0 Horrible support. Months i have been trying a got nowhere. Pros The signup was easy but that is about it Cons Took over 3k out of our clients account and cannot complete deposit. Changed bank account info, verified again, bank statements etc. This company has 0 support. Dont trust them to handle your money. I cant even refund the client and get paid another way as the error is always that i dont have the funds to do a refund even though they are holding the original ACH amount. Reason for choosing GoCardless Seemed like a solid decision but made a huge mistake thinking that all ACH companies were the same. Switched from [ConnectWise RMM](https://www.capterra.com/p/239557/ConnectWise-RMM/) Cancelled Connectwise Review Source mA mohammad A. PRESIDENT Management Consulting Used the software for: 2+ years ### "attenton de cette operateur " November 30, 2021 1.0 Pros site facile à l'ulisation comme operateur Cons GoCardless est capable de bloquer les paiements de votre entreprise pendant des mois sans raison et sans présenter aucune justification et encore elle capable de retenir vos fonds illégalement . Il n'existe pas un service client, et même la société n a pas une existence physique en France. Le support client est généré par des logarithme, toujours la même réponse peu n'importe les contestations. Franchement je ne comprends pas comment cette société a obtenu l agrément de la banque de France. Il faut que cette société soit surveiller par l'autorité financière pour éviter des dangers potentiels à l économie française Review Source Alexander H. Director Marketing and Advertising Used the software for: 2+ years ### "Great payment processing with low fees" July 12, 2017 4.0 Cheaper payment processing. Pros Low fees, great interface design, a portal for the customer to signup, easy setup of recurring payments from a client. Cons slow activation time of direct debit mandate. Lack of proper integration with Xero accounting software. Review Source VR Verified Reviewer Accounts Executive Education Management Used the software for: 6-12 months ### "GoCardless is a good payment system for direct debits." April 2, 2019 4.0 My overall experience with GoCardless has been very good, once you setup your payments and know what you're doing, you can pretty much leave it and it will do most of the work for you. Pros \-Easy to use -Very cheap -Rarely any technical issues -Never experienced downtime -Good customer support -Links with Quickbooks Cons The only con i'd have for GoCardless is that a few of my customers mandates didn't go through properly although they were completed all fine. This meant they had to catch up on the payments they missed however this was a very minor problem. Review Source Scott H. Managing Director Used the software for: Less than 6 months ### "Although a good product painful to get verified and customer service non existent" July 19, 2018 2.0 none Pros Dashboard easy to use good for cash flow and easy of collecting payment. Customer support very dubious seems to be like the original PayPal struggling to keep up Cons During verification you are encouraged to accept payments. When it comes to the final hurdle difficult to get hold of anyone. Keep quoting FCA rules but FCA does not support some of there procedures and has said it is not them insisting on accounts being the same legal entity as the application. When support does pick up the phone no one is able to help you have to email and get email responses of 3.5 days which is a joke. If you can ignore the banner to put payments in do not add any customers until you are completely verified otherwise you are help to ransom and your money stuck in there account . Review Source Christopher A. Director Marketing and Advertising Used the software for: 2+ years ### "Simple but powerful solution for recurring payments" October 17, 2023 5.0 Pros The ease of which it integrates with our invoicing software meant we had recurring billing up and running in now time. Cons It took me a little time setting up another bank account, but most of the issue was with the bank Review Source SK Sonya K. Office Manager Accounting Used the software for: 6-12 months ### "A bit clunky" May 5, 2022 3.0 It suited our purposes but tracking payments was not easy. Also help desk not always that helpful. Pros GoCardless has a higher than average monthly recurring which is good if you have large recurring invoices. Other similar products have limits which do not always fit in when you have clients who have higher monthly fees. Cons It was very clunky and difficult to follow the payments. Very confusing. Reason for choosing GoCardless The higher monthly recurring debit limit Review Source RP Ryan P. Owner Entertainment Used the software for: Less than 6 months ### "Parasite " March 22, 2023 1.0 Absolutely terrible would never recommend them not even to my worst enemy Pros Nothing they’re not worth the hassle they’re just there to steal money Cons The whole process with them as soon as I used their service they took the money from my customer and then deactivated my account Review Source VR Verified Reviewer Manager Information Technology and Services Used the software for: 2+ years ### "Cardless payment with amazing possibility" May 31, 2022 4.0 Can be improved greatly Pros It reduced the stress and issues encountered in Card payment processing. Cons Pricing with premium privileges are a bit on the high side. Review Source BH Ben H. Manager Design Used the software for: 2+ years ### "Great for recurring payments" February 13, 2023 5.0 We get far less churn with gocardless than when we were using credit card based processors. People are more likely to leave a DD running than a CC recurring payment. Pros The low fees for direct debits, as well as the much lower churn rate, when compared to credit cards are what really make this a winner. It's set-it and forget it collection of fees, directly from customers bank accounts! Cons The control panel can sometimes be confusing, and sometimes its difficult to see how many people are on a particular payment plan. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/)[Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing GoCardless The low fees, and the potential to reduce churn. Review Source RL Roi L. owner Leisure, Travel & Tourism Used the software for: 2+ years ### "Go Cardless" April 22, 2019 5.0 simple and beneficial to the business Pros easy to use, simple set up and integration to team up Cons nothing that I can think of as its cheap and user friendly Review Source VR Verified Reviewer Owner Computer Software Used the software for: Less than 6 months ### "Not really international " August 30, 2022 1.0 They operate on a European business day, so that makes customer service a pain. Deciding on GoCardless was a huge mistake. Pros The "receive" payments very well and setting up your customers payments to be processed by GoCardless is fairly easy. Cons It is all but impossible to get your money once GoCardless has processed the payment. Your bank had better be part of the European Union. American banks don't have the "right" documents and they "hold" your money until they believe that your American Bank exists. They are not truly ready for international operations as of 8/20/2022. Review Source SM Sarah M. Billing Analyst Telecommunications Used the software for: 2+ years ### "GoCardless Review" April 14, 2023 5.0 Overall, I’ve enjoyed using GoCardless and it has made my job easier. Pros Quickly and easily collect invoices through the click of a button. Similar when setting up direct debit mandates - all very quick and simple. Cons I would prefer the filtering options to be a bit better. Doing high volume collections (which need to be done manually rather than set to collect on due date) can be frustrating having to collect in stages and then having to scroll through to the next batch Review Source James D. Search Engine (Web Search) Evaluator Computer Software Used the software for: 1-2 years ### "An Incredible Payment Solution for UK Businesses" February 15, 2019 4.0 Even with the geo-restrictions, GoCardless' low fees make it an ideal solution for startups. Pros GoCardless provides such a clean and simple way to create invoices and take payments. They provide a plethora of options, such a recurring billing, which days to take payment and multiple concurrent payment plans. GoCardless also boast very low fees in comparison to solutions such as PayPal. Cons Last I checked, GoCardless does not allow individuals from locations such as the United States to pay, limiting me to take payment from only UK residents. Review Source Matt B. Freight Rate Analyst Transportation/Trucking/Railroad Used the software for: Less than 6 months ### "Great for accepting ACH payments, a little convoluted to set up" September 29, 2021 5.0 For an ACH payment integration with Xero, I doubt there is a better option. Pros The initial setup of GoCardless is just a matter of filling out some forms, so pretty simple. Cons I had some issues completing the setup process and integration with Xero (accounting software), but customer support was relatively responsive and was able to assist. Review Source BB Bill B. Owner Marketing and Advertising Used the software for: Less than 6 months ### "Great Software to Save on Merchant Fees" August 21, 2021 4.0 So far so good, it's been very helpful in saving money in the business. Pros GoCardless is excellent if you want to save tremendously on merchant fees, it's very easy to setup and you can use it instantly, send a link to your client for them to sign up and after that you can make payments or add them to a plan and everything is taken care of from there. Cons Payout times are unpredictable, unlike Stripe, you can bill someone and know it will take 3 days to arrive, maybe 7 if you're still making your first few payments, however with GoCardless you don't know exactly when payment will be taken from the client unless you're using a recurring payment set for a specific day each month, also GoCardless doesn't produce invoices so you have to set it up with Quickbooks to produce invoices, which can also be a bit tedious. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Merchant fees, Stripe is still a great piece of software nonetheless. Review Source SL Simon L. Director Information Technology and Services Used the software for: 2+ years ### "The release from having reliable cashflow" November 12, 2022 5.0 We love GoCardless, never a problem, always works. Pros It just works, no stress, no bother. Payments are collected and processed automatically giving a dependable reliable cashflow with minimal administration. Cons As we don't use the branded option sometimes customers do not recognise the initial invitation to sign up the Direct debit as being from us. Review Source HS Heather S. Business Owner Health, Wellness and Fitness Used the software for: 2+ years ### "Zero Administration" May 15, 2022 5.0 Pros No monthly administration is involved to collect monthly payments from my clients. I can quickly download a spreadsheet of transactions for my accountant. Easily integrated with my booking software. Cons I can't customise the billing emails sent to my clients. Review Source RH Robert H. Managing Director Education Management Used the software for: 6-12 months ### "Great for Gaining payment on time" October 2, 2018 5.0 Great experience I love using it. Pros I Love using this software, as I struggled getting my clients to pay their invoices on time, now I get them to sign up to this, allowing me to take a Monthly or a weekly direct debit. Cons Slightly time consuming to use, having to manly enter details on to the system each month. Review Source Similar Products Featured