Recurring and one-off debits
Collect on a set date, with no chasing.
AI tools · Accounting, finance, HR, legal
GoCardless pricing, use cases, and first steps
GoCardless collects your customers’ payments by bank debit, once or monthly. It plugs into more than 350 software tools, including Sage, Pennylane, and Sellsy, or works via dashboard and API. You pay a capped percentage per transaction.
GoCardless has no free plan. The recommended plan to start with: Advanced, 1.25% + €0.20 per transaction, capped at €2.50. Prices checked on October 21, 2026 on the vendor’s official page.
GoCardlessCollect payments by bank debit, one-off or recurring- Vendor
- GoCardless
- Free plan
- No
- Recommended plan
- Advanced, 1.25% + €0.20 per transaction, capped at €2.50
- In the European Union
- Partly available
- Page checked on
- October 21, 2026
What GoCardless does
Who it’s for: businesses that bill subscriptions or recurring amounts.
International payments
In 30+ countries, at the real exchange rate via Wise.
350+ integrations
Sage, Pennylane, Sellsy, or API.
Also
- Retries and anti-fraud
GoCardless pricing
Prices before VAT. Custom plan on request.
| Plan | Price | Who it’s for |
|---|---|---|
| Standard | 1% + €0.20 per transaction, capped at €2 | To start |
| Advanced Recommended to start | 1.25% + €0.20 per transaction, capped at €2.50 | Most businesses |
| Pro | 1.4% + €0.20 per transaction, capped at €2.75 | Stronger protection |
Nova’s advice
Standard is enough to start. Advanced reduces failed debits.
A first try, in 10 minutes
Your data. The pricing page doesn’t detail hosting.
What it does less well
- Debits take a few days, unlike cards.
- The per-transaction cost applies to every collection.
Put a customer on direct debitGoCardless- Create the mandate link.
- Send it to the customer.
- Schedule the first debit.
Alternatives to GoCardless
Frequently asked questions about GoCardless
How much does GoCardless cost?
Standard: 1% + €0.20 per transaction, capped at €2; Advanced: 1.25% + €0.20 per transaction, capped at €2.50; Pro: 1.4% + €0.20 per transaction, capped at €2.75. Prices checked on October 21, 2026 on the vendor’s official page.
Can you use GoCardless for free?
No: GoCardless has no free plan. Standard is enough to start.
What happens to my data with GoCardless?
The pricing page doesn’t detail hosting.
What are the alternatives to GoCardless?
Stripe: Online card and debit payments. Upflow: Invoice chasing and collection. Qonto: Business account with transfers and debits.
Official pages consulted
Page checked on October 21, 2026. Brands are named to identify the tools. No affiliation.