GoCardless vs. Stripe
Lower transaction fees
Lower payment failure rate
Lower level of manual admin
Why bank payments, not cards?
Lower transaction fees
Card payments are routed through a network of intermediaries, with each adding their fee.
Bank payments, by contrast, are direct account-to-account transfers with no intermediaries.
Lower payment failure rate
Cards expire or get lost and cancelled, resulting in failed payments.
Bank accounts do not expire and cannot be lost, meaning more successful payment collections.
Less manual admin
Card payment failures create a significant level of manual admin.
Bank payment admin with GoCardless can be automated, including reconciliation.
A $100 transaction saves you over 82% in fees compared to Stripe
Accepting a $100 payment with Stripe from a domestic card will cost you $3.20. However, with GoCardless, that transaction costs just $0.55 on our Standard Plan.*
* Pricing as of July 2024. Plans vary, see GoCardless and Stripe pricing
We've processed around 17,000 direct bank payments in two years and not had a single payment failure, which is absolutely fantastic. That compares with card payments, where we get a lot of failures.
Rod Bull, Project Manager, NHS
Why choose GoCardless over Stripe?
Award-winning customer support
GoCardless’ Customer Support Team have won big awards, including European Contact Centre & Customer Service Awards (2022) and Best Small Customer Service Team (2021).
“I have been working with GoCardless for the past 6 years. Every step of our journey, GC have supported me throughout. I cannot think of a single person that has not tried to help or go above and beyond.”
Payers trust bank payments
Bank payment methods such as Direct Debit are well known and trusted in the US.
“When asked which payment method they trusted most, 89% of payers chose bank payments over card payments.”
Ease of setup and use
GoCardless is easy to set up and integrates with 350 popular business software platforms. Create payment plans in a few clicks inside the user-friendly merchant dashboard, or by API integration.
“We were ready to go within 24-48 hours, it was very, very easy. Everything from the day I registered has worked seamlessly.”
- Lee Drayton, Managing Director, LD Fitness
Core features
Standard
0.5% + $0.05 per transaction
Get startedMax. price cap $5 per transaction
1.5% + $0.05 for international
Prices exclude sales tax
Benefits
Collect one-off and recurring ACH pull payments seamlessly
Collect international payments from 30+ countries with the real exchange rate (powered by Wise)
Use GoCardless with an API, our dashboard or integrate with 350+ partner softwares, such as Xero, Sage or QuickBooks
Include your branding on the customer sign-up form
Super-fast two day payouts
Advanced
Popular0.75% + $0.05 per transaction
Get startedMax. price cap $6.25 per transaction
1.75% + $0.05 for international
Prices exclude sales tax
Benefits
All Standard benefits plus
Reduce failed payments through intelligent retries
Verify new customers' bank account details instantly at checkout
Design a tailored customer experience, from your own payment pages to email notifications (additional fees apply)
End-to-end fraud protection
Pro
0.9% + $0.05 per transaction
Get startedMax. price cap $7 per transaction
1.9% + $0.05 for international
Prices exclude sales tax
Benefits
All Standard and Advanced benefits plus
Prevent fraud by intelligently identifying and verifying risky payers
Fully customized package
Custom
For businesses with large payment volumes or requiring a bespoke solution with dedicated support
Volume discounts (variable or fixed-fee)
Contact SalesGuided implementation (US-based)
Benefits
Discounts based on transaction volumes
Options for fixed fee pricing per transaction
Individualized onboarding support from a US-based Implementation Manager
Monthly billing in arrears as opposed to extracting fees from your transactions
Collect one-off and recurring ACH pull payments seamlessly
Collect international payments from 30+ countries with the real exchange rate (powered by Wise)
Use GoCardless with an API, our dashboard or integrate with 350+ partner softwares, such as Xero, Sage or QuickBooks
Include your branding on the customer sign-up form
Calculate your fees
What is the monthly cost?
Calculate your fees
What is the monthly cost?
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Estimated monthly saving compared to card payment fees
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Estimated time saving per month not chasing late payments
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