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One-off bank payments. Instant confirmation.
Cut costs with Pay by Bank. Bank payments that confirm instantly, settle fast and eliminate chargebacks.
Why Pay by Bank?
Cut payment costs in half
Save 49% on transaction fees compared to online card payments.
99% payment success
7x more reliable than cards. Stop chasing failed payments.
Get paid faster
Instant confirmation. Money in your account typically in hours, not days.
Protect your revenue
Virtually zero chargebacks. Eliminate fraud that affects 34% of businesses using cards.
Perfect for one-time payments
One-off invoices and payments
Send a payment link. Customer pays from their bank. You get instant confirmation.
Taking a first-time payment
Collect the first payment instantly, then automate monthly billing via Direct Debit, all in one checkout flow.
Account top-ups
Customers add funds instantly when they need them. No waiting for payments to clear.
Donations
Simple, trustworthy giving. No long card details, just a seamless bank-to-bank transaction.
49% cheaper than online card transactions
Core features
Standard
1% + £/€0.20 per transaction
Get startedMax. 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
Advanced
Popular1.25% + £/€0.20 per transaction
Get startedMax. 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
Pro
1.4% + £/€0.20 per transaction
Get startedMax. 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
Custom
For businesses with large payment volumes or requiring a bespoke solution with dedicated support
Volume discounts
Contact SalesPremium 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
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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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 EnergyGet more from your payments
Success+
Use automated payment retries to intelligently recover up to 70% of your customers' failed payments.
Protect+
Level up against fraud and automatically identify, prevent and monitor fraudulent payers.
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Success+
Use automated payment retries to intelligently recover up to 70% of your customers' failed payments.
![]()
Protect+
Level up against fraud and automatically identify, prevent and monitor fraudulent payers.
Join 100,000+ businesses using GoCardless
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.
When do I receive my payment?
You decide when you receive your payouts, so it's most convenient for you without the added admin or reconciliation. Choose from weekly, monthly or daily payouts and get your funds exactly when you need them.
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 to get started?
Perfect your one-off payments strategy. Join thousands of businesses who use Pay by Bank.