Lower transaction fees
Lower payment failure rate
Lower level of manual admin
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.
Card payment failures create a significant level of manual admin. Bank payment admin with GoCardless can be automated, including reconciliation.
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.
With bank payments, your customers don't have to remember to pay you. Instead, everyone gets a secure, reliable payment method and peace of mind.
Accepting a £500 payment with Stripe from a standard UK card will cost you £7.70. However, with GoCardless, that transaction costs just £4.00 on our Standard Plan (excluding VAT).
* Pricing as of Aug 2025. Fees differ by provider.
^ Based on market research. Payment success rates vary.
Perfect for subscription payments like gym memberships or invoicing for services. Automatically collect payments on the due date via Direct Debit without lifting a finger.
Get paid for extra services that sit outside of a subscription, like a one-off personal training session or a deposit, with Instant Bank Pay. It's typically 54% cheaper than card transactions for one-off payments, giving you immediate savings.
Perfect for subscription payments like gym memberships or invoicing for services. Automatically collect payments on the due date via Direct Debit without lifting a finger.
Get paid for extra services that sit outside of a subscription, like a one-off personal training session or a deposit, with Instant Bank Pay. It's typically 54% cheaper than card transactions for one-off payments, giving you immediate savings.
Collect payments from over 30 countries, either into a local bank account or your existing UK account with built-in FX at the real market rate. This is powered by Wise.
With GoCardless, failed payments are rare. But switch on automatic retries and our payments data determines the best day to try again – recovering 70% of failed payments, on average*.
Our award-winning support team is here to help, whenever you need. Reach out by email or phone. Or check out our handy guides in our Customer Hub.
Reduce your failed payments. Successfully collect 99% of instant, one-off payments – and 97.3% of automated, recurring payments – on the first try.
Source: GoCardless Payment Success Rates, 2025
We have a payment failure rate of only 0.4%, and many of those are rectified instantly upon retrying the payment.
Damian Clements, Finance Director, Yorkshire Energy* Pricing as of July 2025. Plans vary.
Core features
1% + £/€0.20 per transaction
Max. price cap £/€4 per transaction
+0.3% added to transactions over £2,000
2% +£0.20 for international
Prices exclude VAT
Benefits
Collect one-off and recurring 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
Enhanced payment protection
1.25% + £/€0.20 per transaction
Max. price cap £/€5 per transaction
+0.3% added to transactions over £2,000
2.25% +£0.20 for international
Prices exclude VAT
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
1.4% + £/€0.20 per transaction
Max. price cap £/€5.60 per transaction
+0.3% added to transactions over £2,000
2.4% +£0.20 for international
Prices exclude VAT
Benefits
All Standard and Advanced benefits plus
Prevent fraud by intelligently identifying and verifying risky payers
Resolve fraud by monitoring and challenging chargebacks
Fully customised package
For businesses with large payment volumes or requiring a bespoke solution with dedicated support
Volume discounts
Premium white labelling
Benefits
All Standard, Advanced and Pro benefits plus:
Dedicated end-to-end customer success
Unlock discounts as you scale transaction volume
Option to commit volume or pay as you go
Collect one-off and recurring 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
What is the monthly cost?
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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Customise your business's payment settings and branding for one-off or subscriptions payments, even before signing up.
Partner search
GoCardless seamlessly integrates with over 350 billing, accounting and CRM platforms including Salesforce, Quickbooks and Xero. Search for your partner to find out more.
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
With GoCardless, businesses collect payments directly from customer’s bank accounts. Whether domestic or international, one-off or recurring, scheduled or instant. We do it all – quick, easy, and secure.
Yes, GoCardless has been processing payments since 2011 and nearly 100,000+ businesses like DocuSign, TripAdvisor and The Guardian use GoCardless to collect and send their payments. They process US$130bn+ of payments every year across 30+ countries.
Moving a group of customers with existing Direct Debits with another provider over to GoCardless is straightforward. Go through a simple step-by-step process and switch customers without disrupting any existing mandates.
The funds collected are paid directly into your bank account. With GoCardless, our fees are deducted automatically.
No. GoCardless is a direct bank payment company.
There aren’t any! We want to be as transparent with you as possible and offer a pay-as-you-go pricing model with no contract or long-term commitment required.
Give GoCardless a go, and see why businesses on G2 prefer it to Stripe. Pay-as-you-go pricing. No commitments. Easy.