Skip to content
 

GoCardless vs. Stripe

  • Lower transaction fees

  • Lower payment failure rate

  • Lower level of manual admin

Get up to 90 days fee free

We help 100,000+ businesses worldwide to get paid on time

Tripadvisor logo
DocuSign logo
Aon logo
The Guardian logo
Nutmeg logo
HM Government logo

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.

Less manual admin

Card payment failures create a significant level of manual admin. Bank payment admin with GoCardless can be automated, including reconciliation.

Lower payment failure rates

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.

Payers trust bank payments

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.

A £500 transaction saves you 48% compared to Stripe

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).

Get up to 90 days fee free

* Pricing as of Aug 2025. Fees differ by provider.

^ Based on market research. Payment success rates vary.

Payments that work for your business

Automated, recurring payments

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.

See how automated payments work

Instant, one-off payments

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.

  • Automated, recurring payments

    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.

  • Instant, one-off payments

    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.

International payments made simple

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.

Intelligently retry failed Direct Debits

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*.

Award-winning customer support

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.

Payment failure rates as low as 0.5%

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

Why choose GoCardless?

* Pricing as of July 2025. Plans vary.

The easy way for your customers to pay

56% lower average cost per transaction*

  • Core features

    Standard

    1% + £/€0.20 per transaction

    Max. price cap £/€4 per transaction

    +0.3% added to transactions over £2,000

    2% +£0.20 for international

    Get started

    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

    Advanced

    Popular

    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

    Get started

    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

    Pro

    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

    Get started

    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

    Custom

    For businesses with large payment volumes or requiring a bespoke solution with dedicated support

    Volume discounts

    Premium white labelling

    Contact Sales

    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

How much GoCardless will save you

Calculate your fees

What is the monthly cost?

Calculate your fees

What is the monthly cost?

=

Estimated monthly saving compared to card payment fees

--

Estimated time saving per month not chasing late payments

--

New

Try our Payment Builder

Customise your business's payment settings and branding for one-off or subscriptions payments, even before signing up.

Begin

How it works

Partner search

Connect with your accounting software

GoCardless seamlessly integrates with over 350 billing, accounting and CRM platforms including Salesforce, Quickbooks and Xero. Search for your partner to find out more.

    Connect with your accounting software
    Connect with your accounting software

    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

    Trusted by 100,000+ businesses. Of all sizes. Worldwide.

    • Optimising recurring payments

      "When customers choose GoCardless, they stay with us for longer and they convert better."

    • International coverage

      “We use a single integration for Direct Debit in the UK, Sweden and Germany”

    • 67% reduction in debtor days

      “The whole accounting process is faster and we’ve eliminated billing errors."

    • Preferred by customers

      “70% of our European customers have chosen GoCardless over credit card to make their payments.”

    • 90% renewal rate

      "We wanted an end-to-end subscription model. GoCardless helps make that possible."

    • 50-85% adoption

      “For us, it means we get paid reliably and on time with better visibility into our payments data.”

    FAQs

    Who is GoCardless for?

    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.

    Can I trust GoCardless?

    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.

    Is it easy to switch my customers to GoCardless?

    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.

    How do I receive the funds that I have collected with GoCardless?

    The funds collected are paid directly into your bank account. With GoCardless, our fees are deducted automatically.

    Does GoCardless take credit or debit cards?

    No. GoCardless is a direct bank payment company.

    What are the hidden fees?

    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.

    Ready for payments with lower fees and fewer failures?

    Get up to 90 days fee free

    Give GoCardless a go, and see why businesses on G2 prefer it to Stripe. Pay-as-you-go pricing. No commitments. Easy.

    Terms and Conditions