GoCardless

GoCardless is a bank payment specialist that collects funds directly from a customer’s bank account rather than through the card networks. It is built around direct debit mandates and open banking, giving merchants a low-cost way to take recurring and one-off bank payments across the UK, Eurozone, and several other markets. This makes it a strong fit for subscriptions, invoicing, and any recurring billing where card fees and expiries are a problem. The connection to GoCardless uses OAuth, so merchants can authorise the connection by logging in to GoCardless without handling API credentials directly.

At a glance

Website	gocardless.com
Type	Gateway
Connection	OAuth
Links	Dashboard · Sandbox · Support · Status · Terms · Privacy · Test cards

Where it operates

Merchants can onboard GoCardless in the following countries:

Australia, Austria, Belgium, Bulgaria, Canada, Croatia, Cyprus, Czechia, Denmark, Finland, France, Germany, Hungary, Ireland, Italy, Luxembourg, Malta, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, United States.

Payment methods

GoCardless is a bank-debit processor — there are no cards or digital wallets. Through our GoCardless integration, merchants can accept:

• Bank debits: Bacs (UK), SEPA Direct Debit (Eurozone), ACH (US), BECS (Australia), BECS NZ (New Zealand), Autogiro (Sweden), Betalingsservice (Denmark), and PAD (Canada). Each scheme collects in its local currency, and the scheme used is determined by the payment currency.
• Instant Bank Pay: A one-off open banking bank transfer that confirms payment immediately at checkout, available for Bacs (UK) and SEPA (EU). It can be used on its own or to set up a Direct Debit mandate at the same time.

Instant Bank Pay is enabled per connection in the GoCardless connection settings, and each scheme must also be enabled on your GoCardless account.

Connecting GoCardless

See the Connecting GoCardless guide for step-by-step setup instructions.