What’s new
Global payments
Connect
What’s new
Global payments
Connect
Trusted by 100,000+ businesses
BUSINESS PAYMENTS AS USUAL
BUSINESS PAYMENTS AS USUAL
BUSINESS PAYMENTS AS USUAL
Cards cost your business more, fail more often, and run on rails built in the 1950s. We've spent fifteen years building the alternative. GoCardless makes it easy to collect instant payments from your customers.
For decades businesses have accepted cards.
But accepting card means accepting a lot more.
For decades businesses have accepted cards.
But accepting card means accepting a lot more.
For decades businesses have accepted cards.
But accepting card means accepting a lot more.
It means accepting high fees.
£1.48bn in 2024. More than double what was paid in 2019.
It means accepting high fees.
£1.48bn in 2024. More than double what was paid in 2019.
It means accepting high fees.
£1.48bn in 2024. More than double what was paid in 2019.
Businesses accepted spending 86 hours a year, on average, chasing money they're already owed.
133 million hours across the UK economy every year.
Businesses accepted spending 86 hours a year, on average, chasing money they're already owed.
133 million hours across the UK economy every year.
Businesses accepted spending 86 hours a year, on average, chasing money they're already owed.
133 million hours across the UK economy every year.
Cards were built for paper slips and manual approvals.
Every generation since has bolted something new on top: magstripe, chip, contactless — over seventy years of patches on the same idea.
Cards were built for paper slips and manual approvals.
Every generation since has bolted something new on top: magstripe, chip, contactless — over seventy years of patches on the same idea.
Cards were built for paper slips and manual approvals.
Every generation since has bolted something new on top: magstripe, chip, contactless — over seventy years of patches on the same idea.
Accept Pay by Bank
Accept Pay by Bank
Accept Pay by Bank
Accept Pay by Bank
Keep more of your hard-earned money
With bank payments, pay up to 4x less in transaction fees compared to cards. That means more revenue and profit to reinvest.
Keep more of your hard-earned money
With bank payments, pay up to 4x less in transaction fees compared to cards. That means more revenue and profit to reinvest.
Keep more of your hard-earned money
With bank payments, pay up to 4x less in transaction fees compared to cards. That means more revenue and profit to reinvest.
Cost of payment collection
Cost of payment collection
Cards
Cards
Pay by Bank
Pay by Bank
Built without the flaws cards have to live with
Bank details don't expire like cards do, and they can't be lost or stolen. That means fewer failed payments, awkward conversations, and cash flow delays.
Built without the flaws cards have to live with
Bank details don't expire like cards do, and they can't be lost or stolen. That means fewer failed payments, awkward conversations, and cash flow delays.
Built without the flaws cards have to live with
Bank details don't expire like cards do, and they can't be lost or stolen. That means fewer failed payments, awkward conversations, and cash flow delays.
Jay Mendoza
Jay Mendoza
Card failed
Card failed
Card failed
Amy Jones
Amy Jones
Card failed
Card failed
Card failed
Mark Gupta
Card failed
Card failed
Mark Gupta
Card failed
Get paid automatically
Bank Debit and Recurring Pay by Bank collect on schedule, automatically integrated into your workflows. That means predictable cash flow without extra headcount to chase it.
Get paid automatically
Bank Debit and Recurring Pay by Bank collect on schedule, automatically integrated into your workflows. That means predictable cash flow without extra headcount to chase it.
Get paid automatically
Bank Debit and Recurring Pay by Bank collect on schedule, automatically integrated into your workflows. That means predictable cash flow without extra headcount to chase it.
Jonny Hopper
Jonny Hopper
Gold Membership
Gold Member
Gold Member
1st June
1st June
£68
£68
1st July
1st July
£68
£68
1st Aug
1st Aug
£68
£68
Built for how you operate today and tomorrow
Bank payments support different use cases and run on rails designed for a real-time, digital economy. That means you're never waiting on infrastructure built for a slower economy.
Built for how you operate today and tomorrow
Bank payments support different use cases and run on rails designed for a real-time, digital economy. That means you're never waiting on infrastructure built for a slower economy.
Built for how you operate today and tomorrow
Bank payments support different use cases and run on rails designed for a real-time, digital economy. That means you're never waiting on infrastructure built for a slower economy.
Collected payments
Collected payments
Last 30 days
Last 30 days
4,802
4,862
.00
GBP
One platform, every bank payment
Every payment type
Direct Debit, Pay by Bank, and Recurring Pay by Bank in one place. One-off, fixed and variable amounts. 350+ integrations already built.
Built to collect
Same-day settlement. Balance checks catch insufficient funds before you collect, and automatic retries handle the rest.
Built to protect
Customers authenticate in their banking app. No card details to steal, and no chargebacks to dispute.
100% UK bank coverage
Every UK bank, with seamless routing between Pay by Bank and Direct Debit. One integration, no gaps.
One platform, every bank payment
Every payment type
Direct Debit, Pay by Bank, and Recurring Pay by Bank in one place. One-off, fixed and variable amounts. 350+ integrations already built.
Built to collect
Same-day settlement. Balance checks catch insufficient funds before you collect, and automatic retries handle the rest.
Built to protect
Customers authenticate in their banking app. No card details to steal, and no chargebacks to dispute.
100% UK bank coverage
Every UK bank, with seamless routing between Pay by Bank and Direct Debit. One integration, no gaps.
One platform, every bank payment
Every payment type
Direct Debit, Pay by Bank, and Recurring Pay by Bank in one place. One-off, fixed and variable amounts. 350+ integrations already built.
Built to collect
Same-day settlement. Balance checks catch insufficient funds before you collect, and automatic retries handle the rest.
Built to protect
Customers authenticate in their banking app. No card details to steal, and no chargebacks to dispute.
100% UK bank coverage
Every UK bank, with seamless routing between Pay by Bank and Direct Debit. One integration, no gaps.
One platform, every bank payment
Every payment type
Direct Debit, Pay by Bank, and Recurring Pay by Bank in one place. One-off, fixed and variable amounts. 350+ integrations already built.
Built to collect
Same-day settlement. Balance checks catch insufficient funds before you collect, and automatic retries handle the rest.
Built to protect
Customers authenticate in their banking app. No card details to steal, and no chargebacks to dispute.
100% UK bank coverage
Every UK bank, with seamless routing between Pay by Bank and Direct Debit. One integration, no gaps.
Four steps. No card details.
Four steps. No card details.
Four steps. No card details.
1. Choose Pay by Bank
Begin setting up a payment
2. Enter details
Bank is pre-selected for recognised payers
3. Authenticate
Taken to banking app
4. Payment authorised
Set up is complete
1. Choose Pay by Bank
Begin setting up a payment
1. Choose Pay by Bank
Begin setting up a payment
1. Choose Pay by Bank
Begin setting up a payment
2. Enter details
Bank is pre-selected for recognised payers
3. Authenticate
Taken to banking app
4. Payment authorised
Set up is complete
See what others are saying
See what others are saying
GoCardless works for us on every level, the competitive fee structure helps us keep bills down. Its flexibility, accuracy and reliability means we can provide an exceptional billing experience to our customers.
Manuel Ayllon
Head of Finance
Fuse
When we initially moved over to GoCardless we reduced the cost of collecting payments by 90%. Since piloting Protect+ from GoCardless, we've successfully retrieved about £34,000 of chargebacks.
Damian Brychcy
Chief Operating Officer
Capital on Tap
Moving £12 billion of payments with zero disruption is a huge technical achievement. GoCardless has been essential as we’ve scaled — the platform is strong and built for growth.
Greg Jackson
Founder and CEO
Octopus Energy
With Pay by Bank from GoCardless we've reduced the cost per payment by 70-80%, and we’ve also seen conversion rates increase.
Oli Shaw-Latimer
Head of FinTech and Innovation
JustGiving
GoCardless works for us on every level, the competitive fee structure helps us keep bills down. Its flexibility, accuracy and reliability means we can provide an exceptional billing experience to our customers.
Manuel Ayllon
Head of Finance
Fuse
When we initially moved over to GoCardless we reduced the cost of collecting payments by 90%. Since piloting Protect+ from GoCardless, we've successfully retrieved about £34,000 of chargebacks.
Damian Brychcy
Chief Operating Officer
Capital on Tap
Moving £12 billion of payments with zero disruption is a huge technical achievement. GoCardless has been essential as we’ve scaled — the platform is strong and built for growth.
Greg Jackson
Founder and CEO
Octopus Energy
With Pay by Bank from GoCardless we've reduced the cost per payment by 70-80%, and we’ve also seen conversion rates increase.
Oli Shaw-Latimer
Head of FinTech and Innovation
JustGiving
Built for how you actually do business
Energy and utilities
Collect actual usage, not estimates. Fewer credit balances, correction bills, and frustrated customers.
Financial services
Variable amounts, variable dates, and a payer who authenticated in their own banking app.
Savings, investments and pensions
Regular contributions that don't stop because a card expired. Top-ups that clear the same day.
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Insurance
Premiums change as risk changes. Collect the right amount without asking customers to approve every adjustment.
Telecoms
Usage-based billing without the monthly reconciliation. One integration for every payment type on the account.
Charities and membership
Regular giving that doesn't lapse because a card expired, and more of every donation reaching the cause.
Built for how you actually do business
Energy and utilities
Collect actual usage, not estimates. Fewer credit balances, correction bills, and frustrated customers.
Financial services
Variable amounts, variable dates, and a payer who authenticated in their own banking app.
Savings, investments and pensions
Regular contributions that don't stop because a card expired. Top-ups that clear the same day.
Insurance
Premiums change as risk changes. Collect the right amount without asking customers to approve every adjustment.
Telecoms
Usage-based billing without the monthly reconciliation. One integration for every payment type on the account.
Charities and membership
Regular giving that doesn't lapse because a card expired, and more of every donation reaching the cause.
Built for how you actually do business
Energy and utilities
Collect actual usage, not estimates. Fewer credit balances, correction bills, and frustrated customers.
Financial services
Variable amounts, variable dates, and a payer who authenticated in their own banking app.
Savings, investments and pensions
Regular contributions that don't stop because a card expired. Top-ups that clear the same day.
Insurance
Premiums change as risk changes. Collect the right amount without asking customers to approve every adjustment.
Telecoms
Usage-based billing without the monthly reconciliation. One integration for every payment type on the account.
Charities and membership
Regular giving that doesn't lapse because a card expired, and more of every donation reaching the cause.
Built for how you actually do business
Energy and utilities
Collect actual usage, not estimates. Fewer credit balances, correction bills, and frustrated customers.
Financial services
Variable amounts, variable dates, and a payer who authenticated in their own banking app.
Savings, investments and pensions
Regular contributions that don't stop because a card expired. Top-ups that clear the same day.
Insurance
Premiums change as risk changes. Collect the right amount without asking customers to approve every adjustment.
Telecoms
Usage-based billing without the monthly reconciliation. One integration for every payment type on the account.
Charities and membership
Regular giving that doesn't lapse because a card expired, and more of every donation reaching the cause.
Accept Better
Get started today
It’s time to decline high fees, failures and payment outages. Contact our team to accept better with Pay by Bank.
Accept Better
Get started today
It’s time to decline high fees, failures and payment outages. Contact our team to accept better with Pay by Bank.
Accept Better
Get started today
It’s time to decline high fees, failures and payment outages. Contact our team to accept better with Pay by Bank.
Accept Better
Get started today
It’s time to decline high fees, failures and payment outages. Contact our team to accept better with Pay by Bank.
Methodology
How we worked out the fees
We looked up the published card, Pay by Bank and Direct Debit payment fees for the UK’s 9 leading payment service providers, and compared them to our own Standard pricing. All prices were taken from the providers' public pricing pages on 17 August 2026. Please be mindful that pricing can change.
Working out the real cost
Card fees usually look small until you do the maths. Most providers charge a percentage of the transaction, plus a small fixed fee and some cap the total, or set a minimum.
So the actual cost is: (percentage × transaction value) + fixed fee, capped or floored where a provider publishes one.
For example: 1.5% + 20p on a £1,000 payment comes to £15.20. But 1% + 20p capped at £4 on that same £1,000 payment only comes to £4 or up to four times cheaper.
Methodology
How we worked out the fees
We looked up the published card, Pay by Bank and Direct Debit payment fees for the UK’s 9 leading payment service providers, and compared them to our own Standard pricing. All prices were taken from the providers' public pricing pages on 17 August 2026. Please be mindful that pricing can change.
Working out the real cost
Card fees usually look small until you do the maths. Most providers charge a percentage of the transaction, plus a small fixed fee and some cap the total, or set a minimum.
So the actual cost is: (percentage × transaction value) + fixed fee, capped or floored where a provider publishes one.
For example: 1.5% + 20p on a £1,000 payment comes to £15.20. But 1% + 20p capped at £4 on that same £1,000 payment only comes to £4 or up to four times cheaper.
Methodology
How we worked out the fees
We looked up the published card, Pay by Bank and Direct Debit payment fees for the UK’s 9 leading payment service providers, and compared them to our own Standard pricing. All prices were taken from the providers' public pricing pages on 17 August 2026. Please be mindful that pricing can change.
Working out the real cost
Card fees usually look small until you do the maths. Most providers charge a percentage of the transaction, plus a small fixed fee and some cap the total, or set a minimum.
So the actual cost is: (percentage × transaction value) + fixed fee, capped or floored where a provider publishes one.
For example: 1.5% + 20p on a £1,000 payment comes to £15.20. But 1% + 20p capped at £4 on that same £1,000 payment only comes to £4 or up to four times cheaper.
Methodology
How we worked out the fees
We looked up the published card, Pay by Bank and Direct Debit payment fees for the UK’s 9 leading payment service providers, and compared them to our own Standard pricing. All prices were taken from the providers' public pricing pages on 17 August 2026. Please be mindful that pricing can change.
Working out the real cost
Card fees usually look small until you do the maths. Most providers charge a percentage of the transaction, plus a small fixed fee and some cap the total, or set a minimum.
So the actual cost is: (percentage × transaction value) + fixed fee, capped or floored where a provider publishes one.
For example: 1.5% + 20p on a £1,000 payment comes to £15.20. But 1% + 20p capped at £4 on that same £1,000 payment only comes to £4 or up to four times cheaper.