GoCardless

Name

GoCardless

Legal name

GoCardless Ltd.

Website

https://gocardless.com

Company type

Private

Founded year

2011

Operating status

Acquired

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Bank Payment Platform

NAICS

Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (522390), Credit Bureaus (561450)

akta.pro primary industry

Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC)

akta.pro secondary industries

Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Accounts Payable Automation & Invoice Payments for Travel Suppliers (THACAJAI)

Keywords

• Bank payment platform
• ACH direct debit
• Open banking payments
• Recurring billing automation
• Payment processing API

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Per-transaction fees: Percentage + fixed-fee charged on each successfully collected payment, tiered by plan (Standard 0.5% + $0.05, Advanced 0.75% + $0.05, Pro 0.9% + $0.05, domestic US) with price caps and higher international rates; revenue scales with merchant payment volume.
2. Add-on subscriptions (Success+, Protect+, branded statements, custom payment pages): Recurring monthly fees for optional add-ons: branded statements ($25/month), custom branded payment pages ($50/month on Advanced/Pro), and Success+/Protect+ AI features included in Advanced/Pro tiers; add-ons billed on a monthly basis and summed into a single invoice.
3. Enterprise custom contracts: Volume-based discounts (variable or fixed-fee pricing), individualized onboarding from a US-based Implementation Manager and monthly billing in arrears instead of fee deduction, for large-volume merchants.
4. Chargeback, failure and refund fees: Fixed ancillary fees for chargebacks ($5, applies once a merchant exceeds 15 per month), payment failures ($5) and refunds ($0.50) across all plans.

Pricing tiers

Go-to-market motion6 records

Distribution channels6 records

Marketing channels9 records

Core offering

GoCardless operates a global bank-payment platform that enables businesses to collect one-off, recurring and instalment payments directly from customers' bank accounts via ACH Pull (in the US), UK Direct Debit, SEPA and other local debit schemes across 30+ countries. The platform combines mandate management, payment scheduling, intelligent AI-driven retry (Success+), fraud detection (Protect+), instant payouts (Outbound Payments / Faster Payments), open-banking connectivity (via Nordigen) and 350+ software integrations, served through a dashboard, REST API and an MCP server for AI-agent access.

Product overview

GoCardless offers a platform-plus-modules architecture for bank-to-bank payment collection. The core platform is GoCardless ACH Pull (Direct Debit), which processes over $35bn+ annually across 30+ countries and serves 100,000+ businesses globally. Built around this core are several add-on modules: Success+ (AI-driven failed payment recovery), Protect+ (fraud protection), Verified Mandates (instant bank detail authentication), Same Day Settlement+ (AI-powered accelerated payouts), and the Outbound Payments (instant disbursements via Faster Payments) capability. Sub-products addressing specific use cases include Recurring Payments, Invoice Payments, Instalment Payments, International Payments, and Instant Bank Pay, all unified through the GoCardless Pro REST API and pre-built integrations with 350+ partner platforms (Xero, Zuora, Salesforce, QuickBooks, Sage, etc.). Acquired brands extend the platform's open banking capabilities: Nordigen (free open banking API across 2,300+ banks in 31 countries) and Nuapay (indirect channel / Open Banking specialist, acquired 2024). The February 2026 launch of the Model Context Protocol (MCP) adds an AI-native conversational interface, while GoCardless for Salesforce brings the platform into the Salesforce AppExchange ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• Nuapay: Open banking payments, bank payments, disbursements and payment collection brand operated through the acquired Sentenial Ltd. subsidiary.
• Success+
• Protect+

Products and services

• GoCardless ACH Pull / Direct Debit Core bank-to-bank payment collection platform that automatically pulls one-off, recurring and instalment payments from customers' bank accounts via ACH Pull (US), UK Direct Debit, SEPA and other local debit schemes across 30+ countries. Replaces cards and checks with lower-cost automated collection for SMBs through to enterprise merchants.
• Success+ AI-driven failed-payment recovery add-on product that uses payment intelligence to determine the optimal day to retry a failed Direct Debit, recovering on average ~70% of initially failed payments on top of 97.3% first-time success.
• Protect+ End-to-end fraud protection product purpose-built for bank payments. Identifies, prevents and monitors fraudulent payers in real time using payment intelligence, with configurable risk settings to balance fraud prevention against payer conversion.
• Instant Bank Pay Instant one-off account-to-account payment collection via open banking. Enables merchants to take instant payments directly from customer bank accounts without card fees, localised for 30+ countries and used within the GoCardless for Salesforce app and other integrations.
• Outbound Payments Instant disbursement / payout product that processes automated payouts through the Faster Payments network (and other local instant rails), reducing refund times from 3-5 business days to minutes and replacing manual banking workflows.
• Same Day Settlement+ AI-powered settlement feature launched December 2025 that processes data from 38M+ accounts to enable 96%+ of successful Direct Debit collections to settle the same day and reduce late payment failures by 80%.
• GoCardless for Salesforce Salesforce AppExchange application launched September 2024 that enables Salesforce customers in 30+ countries to access GoCardless Instant Bank Pay and Direct Debit services directly inside Salesforce, with deeper integration available via partner Asperato.
• Model Context Protocol (MCP) AI-native product launched February 2026 that connects large language models (Claude, GitHub Copilot) directly to the GoCardless platform, enabling developers and merchants to retrieve real-time payment data, integration steps and ready-to-deploy code via natural-language queries for agentic commerce.
• Recurring Payments Automated ACH Pull/Direct Debit subscription and membership billing product that automatically collects payments on the due date even when dates or amounts change, with flexible monthly, weekly or custom schedules for SaaS, membership and subscription businesses.
• Invoice Payments Automated invoice payment collection and reconciliation product that pulls payments on due dates and reconciles payments with existing billing/invoicing software for SMB and enterprise merchants.
• Instalment Payments Flexible instalment payment collection product that allows merchants to split total costs into manageable amounts collected on set dates via ACH Pull, supporting use cases such as splitting $1,000 into $500 + $250 + $250 or three equal $1,000 payments.
• International Payments Cross-border bank-to-bank payment collection product covering 30+ countries in 8 currencies, with built-in FX at the real market rate powered by Wise, enabling merchants to collect international payments without local bank accounts.
• GoCardless Pro API Public REST API for developers with official client libraries/SDKs in PHP, Python, Ruby, Java, .NET and JavaScript. Supports custom integrations including custom checkout flows, webhooks, mandates, subscriptions, payments and refunds with a sandbox environment, and includes the Model Context Protocol (MCP) server for AI-agent access.
• Verified Mandates Instant bank-account verification capability that authenticates new customers' bank details via their mobile app or online banking login at checkout, catching fraud before a payment is initiated and is available in Advanced and Pro pricing tiers.

Quantifiable outcome

• Reduces overall cost of taking payments by 56% vs cards (IDC White Paper)
• +9 more outcomes

Named customers16 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration37 records

AI capability13 records

Feature8 records

Partnerships

21 partnerships are on record, tiered strategic flagship (acquired), strategic channel partner, customer-partner, channel partner, embedded finance partner, flagship technology partner, flagship technology partner (accounting), flagship technology partner (subscription billing), major technology partner, major technology partner (accounting), specialist crm partner, subscription billing partner, specialist partner, flagship fx/international partner, customer-partner (first recurring pay by bank) and pending acquisition (strategic flagship).

• Nordigenstrategic flagship (acquired)Strategic or Co-development PartnerAcquired by GoCardless in July 2022 (financial terms undisclosed). Nordigen is a provider of open-banking API services covering 2,300+ banks in 31 countries; its connectivity was integrated into the GoCardless platform to power free open-banking connectivity and Pay-by-Bank at scale.
• Sentenial Ltd (Nuapay) / EML Payments Limitedstrategic flagship (acquired)Strategic or Co-development PartnerGoCardless acquired Sentenial Ltd, operating under the Nuapay brand, from EML Payments Limited for €32.8 million (deal announced March 2024, closed September 2024). Nuapay is an Open Banking specialist and payment provider; the acquisition expands GoCardless' indirect channel proposition, adds disbursements and bank-payment capabilities, and enables growth in payroll, utilities, gaming, insurance and financial services.
• Strategic Imperativesstrategic channel partnerTechnology or IntegrationStrategic Imperatives expanded its partnership with GoCardless by integrating Outbound Payments into its Elevate IQ billing platform for telecom and utility providers. The integration enables instant disbursements via Faster Payments, cutting refund timelines from 3–5 business days to minutes; over 200 telecom and utility providers on Elevate IQ gain access.
• Virtual Spottercustomer-partnerTechnology or IntegrationAustralian virtual assistant services provider partnered with GoCardless (announced February 2026) to automate global recurring collections across 11 countries; integrates GoCardless Direct Debit with Xero and uses automated FX conversion into AUD. Reduced international bank accounts from 11 to 1 and handles 95% of monthly payment volume through GoCardless.
• WilSon Energycustomer-partnerTechnology or IntegrationUK-based heat network provider partnered with GoCardless to automate payment collection and reduce costs using Direct Debit and Open Banking payments; supports operational savings and growth plans.
• Claycustomer-partnerTechnology or IntegrationAI-powered credit and debit-as-a-service company selected GoCardless to streamline loan disbursements and repayments using Direct Debit and Outbound Payments, with planned future support for Variable Recurring Payments (VRPs).
• iplicitchannel partnerTechnology or IntegrationUK cloud accounting platform for mid-market businesses; has been collecting its own payments via GoCardless since 2019 and in March 2025 announced a partnership to offer Instant Bank Pay to its customers across non-profit, recruitment, education, fintech, SaaS and multi-academy trust sectors.
• Pipeembedded finance partnerTechnology or IntegrationEmbedded finance platform offering credit, cards and B2B2B financial products; Pipe launched capital products in the UK through GoCardless in approximately six weeks and used GoCardless to support its embedded lending product relaunched in 2024.
• Salesforceflagship technology partnerTechnology or IntegrationGoCardless for Salesforce launched on the Salesforce AppExchange (September 2024), giving customers in 30+ countries access to Instant Bank Pay and Direct Debit services natively inside Salesforce; complements deeper integration via partner Asperato.
• Xeroflagship technology partner (accounting)Technology or IntegrationPre-built integration that automatically collects payment for Xero invoices via GoCardless; featured accounting-and-invoicing partner used by SMB customers.
• Sageflagship technology partner (accounting)Technology or IntegrationAccounting software partner enabling automatic invoice collection and reconciliation via GoCardless; Sage is also a large enterprise customer of GoCardless.
• Zuoraflagship technology partner (subscription billing)Technology or IntegrationSubscription billing platform partner powering Bank Debit payments for the subscription economy via GoCardless integration.
• Chargebeeflagship technology partner (subscription billing)Technology or IntegrationSubscription management platform partner with pre-built GoCardless integration for subscription billing automation.
• Microsoftmajor technology partnerTechnology or IntegrationCRM partner enabling automatic invoice collection and reconciliation via GoCardless integration (Astral 365 partner listing on Microsoft).
• QuickBooksmajor technology partner (accounting)Technology or IntegrationFeatured accounting and invoicing partner integration enabling automatic invoice collection via GoCardless.
• Asperatospecialist crm partnerTechnology or IntegrationSalesforce-native specialist partner enabling payments collection from within Salesforce via GoCardless.
• Recurlysubscription billing partnerTechnology or IntegrationSubscription billing platform with pre-built GoCardless integration listed in partner ecosystem (referenced on pricing FAQs).
• TeamUpspecialist partnerTechnology or IntegrationFitness and memberships software partner with pre-built GoCardless integration (referenced on pricing FAQs).
• Wiseflagship fx/international partnerTechnology or IntegrationPowers international ACH Pull / Direct Debit collections in 30+ countries using real exchange-rate FX via Wise integration embedded in the GoCardless platform.
• Jellyfish Energycustomer-partner (first recurring pay by bank)Technology or IntegrationCompleted the first Recurring Pay by Bank transaction with GoCardless (March 2026), validating commercial VRP-style recurring bank payments.
• Molliepending acquisition (strategic flagship)Strategic or Co-development PartnerDutch payments platform Mollie agreed to acquire GoCardless in a €1.05bn deal (over 90% stock-based) announced December 2025; the combined entity would serve 350,000+ businesses, combining Mollie's card/local payment methods with GoCardless' bank-payment network. Deal expected to close mid-2026.

Scale indicators13 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Stripe: Stripe is a global payments platform that has expanded from cards into ACH/bank debits (notably via its Tink open-banking acquisition). It overlaps directly with GoCardless in ACH Pull, recurring billing and subscription management for SaaS and internet businesses.
• Plaid: Plaid is the leading US open-banking data connectivity provider and is increasingly moving into payments (Plaid Payments, Auth). It competes directly with GoCardless's Nordigen-acquired open-banking capabilities and Pay-by-Bank offering.
• Wise: Wise is both a partner (powers GoCardless's international FX) and a competitor in international account-to-account bank transfers. Its multi-currency network overlaps with GoCardless's 30+ country bank-debit coverage for cross-border B2B collections.

Broad incumbents

• Mollie: Amsterdam-based Mollie is GoCardless's pending acquirer and a direct competitor in European SMB payments, offering cards, bank debits and local payment methods. The proposed combination would create a 350,000+ business pan-European payments platform.
• Adyen: Adyen is a global, enterprise-focused payments platform offering card, bank-direct and local payment method coverage. It overlaps with GoCardless at the mid-market/enterprise level on bank debits and recurring collections but operates as a much broader omnichannel acquirer.
• Checkout.com: Checkout.com is a global payments platform that, like Adyen, has expanded beyond cards into alternative payment methods including direct bank transfers. It competes with GoCardless for enterprise merchants seeking multi-rail payment orchestration.
• PayPal: PayPal offers ACH debit (via PayPal) for US merchants as part of a much broader checkout, wallet and B2B payments suite (Honey, Braintree, PayPal Working Capital). It competes with GoCardless on cost and conversion for SMB and mid-market merchants.

Emerging players

• TrueLayer: TrueLayer is a UK and European open-banking API and Pay-by-Bank provider, competing with GoCardless's Nordigen connectivity and Instant Bank Pay product. It targets similar use cases in fintech, e-commerce and subscription billing.
• Yapily: Yapily is a European open-banking API provider enabling account-to-account payments and data connectivity. It competes with GoCardless's Nordigen subsidiary for open-banking infrastructure customers and is exploring Variable Recurring Payments (VRPs).

Regional players

• Dwolla: Dwolla is a US-focused ACH API platform serving fintechs and SaaS companies with bank-to-bank payment initiation. It is a more direct US regional competitor to GoCardless's ACH Pull product, though with a narrower product set and no international debit coverage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/gocardless
• Facebookfacebook.com/GoCardless
• LinkedInlinkedin.com/company/gocardless

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Subsidiaries2 records

Funding overview

Funding rounds11 records

Investors17 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about GoCardless