Collect instalment payments
With instalment payments, you can split the cost of an item into several manageable amounts, making it easier for customers to say yes. Another payment tool for your belt.
Spend 59% less time managing your payments*
End late payments
You don’t have to rely on your customers remembering to pay invoices on time. Saving you all those costly hours chasing up late payments.
Automate admin
Easily see the status of any payment from any customer. And if you connect GoCardless to your accounting system, reconciliation is automatic.
Forget expensive fees
Skip expensive card fees by billing via bank payments. Cut your payment costs by 56%.
Connect your software
Use our easy-to-use online dashboard, or connect GoCardless to the software you already use.
Instalment payments are perfect for:
Collecting flexible instalments
With GoCardless, you can collect flexible recurring payments and give your customers greater control, whether it's weekly, monthly or quarterly. For example, you can spread the cost of £1000 into three monthly payments with the first being £500, and the remainder £250.
Taking equal instalments
With GoCardless, you can break the sum into equal instalments – like paying £3000 over three months at £1000 each. As soon as the instalment plan is completed, the payments will be stopped automatically.
![]()
Collecting flexible instalments
With GoCardless, you can collect flexible recurring payments and give your customers greater control, whether it's weekly, monthly or quarterly. For example, you can spread the cost of £1000 into three monthly payments with the first being £500, and the remainder £250.
![]()
Taking equal instalments
With GoCardless, you can break the sum into equal instalments – like paying £3000 over three months at £1000 each. As soon as the instalment plan is completed, the payments will be stopped automatically.
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
See how GoCardless compares
* Pricing as of Aug 2024. Fees differ by provider. See our pricing
^ Based on market research. Payment success rates vary. See the report
56% lower average cost per transaction*
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
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
--
How it works
International payments made simple
Collect payments from 30+ countries. Either into a local bank account, or your existing UK account thanks to in-built FX at the real market rate. Powered by Wise.
Intelligently retry failed payments
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.
Better for your customers, too
Businesses and consumers often prefer to make bank payments, instead of using cards and digital wallets. With automation and peace of mind, it’s not hard to see why.
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.
Trusted by 100,000+ businesses. Of all sizes. Worldwide.
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.
Where can my customers be based?
Collect direct bank payments in 30+ countries, including Australia, New Zealand, the UK, USA, the Eurozone, Sweden, Denmark and Canada. Collect payments in your customers’ currency and settle in your own, at the real exchange rate.
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.
When do I receive my payment?
All payments are paid out two working days from when the payment was collected. We don’t hold back any of your funds in reserve.
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 give instalment payments a try?
Pay as you go pricing, with low transaction fees and no monthly contract. Get started in minutes.