GoCardless
A specialist bank-payment network for recurring and one-off account-to-account collections through Direct Debit, ACH, and open-banking payment rails.
What changes when you choose GoCardless.
- Legal seller
- Your business is the legal seller
- Service model
- bank debit and pay by bank
- Pricing certainty
- country method based
- Review state
- established · next review 2026-09-28
Who owns and operates GoCardless.
Product capability and company durability are different questions. This view keeps ownership, leadership, funding, and financial disclosure separate from the provider review.
- Founded
- 2011 Hiroki Takeuchi, Tom Blomfield, and Matt Robinson founded GoCardless in London in 2011.
- Ownership
- Privately held; acquisition by Mollie announced and pending regulatory approval Independent company
- Headquarters
- London, United Kingdom
- Team disclosure
- Not currently disclosed GoCardless publishes locations and leadership but not a current verified global headcount.
Founder and current CEO at the July 2026 review.
Founders: Hiroki Takeuchi, Tom Blomfield, Matt Robinson
$312M Series G announced at a $2.1B valuation
Permira's growth fund led the 2022 round, with BlackRock Private Equity Partners; prior backers include Accel, Balderton, Passion Capital, GV, Adams Street, and Salesforce Ventures.
Named backers: Permira, BlackRock Private Equity Partners, Accel, Balderton Capital, GV, Salesforce Ventures
Private-company revenue amount is not fully disclosed
Customer, payment-volume, and fundraising figures do not disclose current profitability, cash flow, or product-level reserves.
- Annual payments
- $130B+
- Series G
- $312M
- Valuation at round
- $2.1B
- GoCardless was founded in London for accessible Direct Debit collection.
- Raised a $312M Series G at a reported $2.1B valuation.
- Acquired Nordigen to add open-banking account data.
- Mollie announced an agreement to acquire GoCardless, subject to regulatory approval.
US Standard is 0.5% + $0.05 for domestic ACH, capped at $5; international payments are 1.5% + $0.05.
Public US Standard plan. Domestic fees cap at $5 per transaction. Payment failures are $5, refunds $0.50, and chargebacks $5 only above 15 per month; plans, countries, and add-ons vary.
Where it fits—and where it does not.
Strengths
- Low public domestic bank-payment fees
- Per-transaction cap for US domestic Standard payments
- Strong recurring and invoice collection integrations
Limitations
- Not a general card-and-wallet gateway
- Payment speed follows bank-rail timelines
- Failure, refund, and conditional chargeback fees can apply
- Recurring bank payments
- Invoice collection
- Higher-value domestic ACH payments
- Cards and wallets are your primary checkout
- You need instant card-like authorization everywhere
Can you use it, and who can buy?
- Seller coverage
- Eligible businesses in supported collection markets can onboard for bank payments, subject to verification and scheme rules.
- Buyer coverage
- GoCardless supports domestic and international bank collection schemes across 30+ countries, with product coverage varying by business location.
- Product scope
- Recurring subscriptions, invoices, memberships, installments, and one-off bank payments where card acceptance is not required.
What is built in.
- Checkout
- Hosted mandate pages, dashboard tools, partner integrations, and APIs for bank authorization.
- Subscriptions
- Flexible schedules, recurring Direct Debit or ACH, retries, and payment recovery by plan.
- Invoicing
- Connects to accounting and billing systems to collect invoice payments automatically.
- Payment methods
- Bank debit and pay-by-bank methods rather than a broad card and wallet checkout.
- Payouts
- Collected funds are paid to the merchant after scheme and processing timelines, with faster options by plan.
Who handles what.
| Responsibility | Primary owner | What that means |
|---|---|---|
| Legal seller and customer agreement | You | GoCardless collects bank payments; the business remains the seller. |
| Tax, invoicing rules, and product compliance | You | Bank collection does not transfer sales-tax or product obligations. |
| Mandates, payment failures, and fraud | Shared | GoCardless operates scheme workflows and tools while the merchant owns customer and recovery policies. |
| Billing and customer support | You | The merchant defines charges and supports the underlying subscription or invoice. |
Questions to answer before signing.
- Which legal entity acquires and settles our transactions in each seller country?
- Which payment methods, currencies, capture modes, and recurring patterns are supported?
- What are the exact international-card, FX, refund, dispute, payout, and add-on fees?
- What tax registration, calculation, filing, remittance, and invoice work remains ours?
- What PCI DSS validation and checkout-security work applies to our integration?
- How are reserves, negative balances, account reviews, and payout delays handled?
- Can payment credentials, mandates, customers, and active subscriptions be exported or transferred?
- How do balance transactions reconcile to orders, fees, refunds, disputes, and bank payouts?
Plan the exit while entry is easy.
A dashboard export is not the same as a working migration. Verify these factors with GoCardless and a realistic destination.
- Export customers, products, prices, invoices, refunds, disputes, and balance transactions.
- Confirm whether saved payment credentials and recurring mandates can move without asking every customer to pay again.
- Map subscription intervals, currencies, anchors, trials, discounts, cancellation state, and legacy prices.
- Replace provider-specific checkout, portal, webhook, invoice, and entitlement behavior.
- Run old and new reporting in parallel until gross sales, fees, taxes, refunds, and payouts reconcile.
- Retain source records needed for accounting, support, disputes, and statutory obligations after cutover.
Sources and freshness.
Independently triple-checked against primary sources on 2026-07-29. Scheduled for review by 2026-09-28. Verify the linked source before making a production decision.
- GoCardless US pricing Reviewed 2026-07-29
- GoCardless company and network Reviewed 2026-07-29
- GoCardless Instant Bank Pay Reviewed 2026-07-29
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