The short verdict
GoCardless is not a card processor, which is precisely why it can be valuable. For recurring invoices and larger payments, account-to-account collection may cost less and reduce card-expiry problems. Customer mandates, collection timing and failed-payment handling make it a different workflow from an instant card link.
Memberships, retainers and businesses collecting repeat invoice payments
Face-to-face retail or customers needing instant card checkout
What the published price means
Standard domestic transactions cost 1% + $0.40, capped at $4, with an additional 0.3% for payments above $3,000.
Model the product using your normal sales volume, average payment and payment channel. Include subscriptions, hardware, international cards, refunds and optional features that the business will actually use.
03 / CAPABILITYWhat it can do
- ✓ One-off and recurring bank payments
- ✓ Direct Debit collection
- ✓ Payment-failure tools on higher plans
- ✓ Accounting integrations