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GoCardless Reviews & Product Details

GoCardless Overview

What is GoCardless?

GoCardless is on a mission to become the world’s bank payment network. Setting people and businesses free from the frustrations and cost of out-dated payment methods, with simple and secure direct bank payment solutions. Collect instant, one-off payments. Or automated recurring payments. And use our add-ons to automatically recover failed payments (recovering 70%, on average), and fight fraud without compromising your customer’s payment experience. With GoCardless you save time and money, win and retain more customers, get paid on time, and reduce stress. 75,000+ businesses around the world trust us to power their payments, including global names like DocuSign, Carrefour, Norwegian Refugee Council, Trip Advisor, Aon, Survey Monkey, and UNHCR. We enable them to collect payments from 30+ countries, processing over $30 billion each year. And our products are flexible to how you want to use them – whether you want to use them on their own with our easy-to-use online dashboard, connect with one of 350+ systems you might already use to run your business, or build your own custom integration with our API. We’ve been on this mission since 2011, and now have an incredible team of 700+ payments experts across the UK, US, France, and Australia. In fact, you might’ve heard of us before – we’ve been covered by the BBC, Financial Times, TechCrunch, Wall Street Journal, Les Echos, Börsen Zeitung, Australian Financial Review, and hundreds more. Want to learn more? Head over to gocardless.com

GoCardless Details
Product Website
Languages Supported
German, English, French, Spanish
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Product Description

Collect instant, one-off payments. Or automated, recurring payments. Without the chasing, stress, or expensive fees.

How do you position yourself against your competitors?

UNPARALLELED PAYMENTS
Ours is the first global network that lets people make and collect payments straight from their bank accounts, across multiple countries and currencies. Connecting merchants, partners, and payment service providers, to provide a better payment experience for all.

PAYMENTS AS THEY SHOULD BE
Payments processing is complex, mission-critical, and as it stands, broken. That’s why we’ve assembled a team of experts to build a new generation of direct bank payment solutions. We’re only focused on bank payments so we’re constantly pushing them to their limits. We sweat the small stuff to deliver payment solutions for the way businesses work today.

INTEGRATED INTELLIGENCE
We process billions of dollars of payments across the globe every month. By applying machine learning to this data, we’ve developed constantly evolving intelligence to optimise payments and fight fraud while retaining conversion.


Seller Details
Company Website
Year Founded
2011
HQ Location
London
Twitter
@GoCardless
13,169 Twitter followers
LinkedIn® Page
www.linkedin.com
827 employees on LinkedIn®
Description

Set yourself free from the frustrations and cost of out-dated payment methods, with GoCardless. Collect instant, one-off payments. Or automated, recurring payments. Without the chasing, stress, or expensive fees. 75,000+ businesses around the world trust us to power their payments, including global names like DocuSign, Carrefour, Norwegian Refugee Council, Trip Advisor, Aon, Survey Monkey, and UNHCR.


Rachel H.
RH
Overview Provided by:

Recent GoCardless Reviews

Tine B.
TB
Tine B.Small-Business (50 or fewer emp.)
5.0 out of 5
"GoCardLess at the service of your business and your clients"
GoCardless is easy to use, both for your customers and for your business. A colleague told me about GoCardless and we were able to set up this serv...
Stacey S.
SS
Stacey S.Small-Business (50 or fewer emp.)
1.0 out of 5
"Terrible Customer Service"
Good fee rates for ACH and I like the Xero integration features
Dustin S.
DS
Dustin S.Small-Business (50 or fewer emp.)
0.0 out of 5
"The WORST!!! DO NOT Trust This Company!"
The promise of their service - which they have broken.
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1 person requested security information

GoCardless Media

GoCardless Demo - Step 1 of 5: Choose how to use GoCardless
Choose from either our online dashboard, integrated API or connect to your software to create and manage recurring payments
GoCardless Demo - Step 2 of 5: Create a payment plan
Create flexible payment plans using our dashboard. GoCardless also connects with the leading subscription and CRM software so that you can manage this with your existing tools.
GoCardless Demo - Step 3 of 5: One-time customer setup
Your customer enters their payment details online to pay by Direct Debit. You can add the customizable payment page directly to your website, send them a secure link or integrate with your existing checkout.
GoCardless Demo - Step 4 of 5: Get paid automatically
Payments are collected automatically on due dates. GoCardless has much lower failure rates than cards, but if a payment does fail, optimize your payment retries with Success+.
GoCardless Demo - Step 5 of 5: Easily amend plans
Edit and pause subscriptions in a matter of clicks, making upgrades, downgrades and one-off charges without your customers needing to lift a finger.
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Video Reviews

309 GoCardless Reviews

4.6 out of 5
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309 GoCardless Reviews
4.6 out of 5
309 GoCardless Reviews
4.6 out of 5

GoCardless Pros and Cons

How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Cons

Overall Review Sentiment for GoCardlessQuestion

Time to Implement
<1 day
>12 months
Return on Investment
<6 months
48+ months
Ease of Setup
0 (Difficult)
10 (Easy)
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G2 reviews are authentic and verified.
Dustin S.
DS
CEO
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: Organic
What do you like best about GoCardless?

The promise of their service - which they have broken. Review collected by and hosted on G2.com.

What do you dislike about GoCardless?

Everything about the actual experience of working with them. Review collected by and hosted on G2.com.

What problems is GoCardless solving and how is that benefiting you?

They have not given me a single benefit. They have been holding my funds hostage and the "accounts review" team never responds. Review collected by and hosted on G2.com.

Response from Tim McDonnell of GoCardless

We're sorry to hear about your experience with us. We can see that our team has been in touch.

Thanks,

GoCardless

Verified User in Wireless
UW
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: Organic
What do you like best about GoCardless?

Nothing in the slightest. This has been the moat unhelpful expereince in years. They should sell ironing boards instead. Review collected by and hosted on G2.com.

What do you dislike about GoCardless?

Everything

Innaccurate Help content on website - regarding ACH forms for manual upload of clients

Support staff who give incorrect information, contradict website information

Asked to go onto new pricing plan even though you signed up to the correct plan tier - pricing changed in 4 weeks?

Incorrect email address shared when asked to upgrade

No response form support team for 3 weeks after regular emails asking for support. Review collected by and hosted on G2.com.

What problems is GoCardless solving and how is that benefiting you?

Go cardless creates problems rather than solving them. Please consider carefully if you want to use them. Review collected by and hosted on G2.com.

Response from Tim McDonnell of GoCardless

Thank you for your review, we're sorry to hear that you've had a negative experience.

As you've left your review anonymously, we're unable to locate your profile and would like to discuss this with you further. Please could you reach out to help@gocardless.com with the reference "G2 Review".

Thank you,

GoCardless

Stacey S.
SS
Owner and accountant
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Review source: Thank You page
What do you like best about GoCardless?

Good fee rates for ACH and I like the Xero integration features Review collected by and hosted on G2.com.

What do you dislike about GoCardless?

Terrible customer services and general lack of communication. No way to speak directly to supports and then no one gets back to you. Review collected by and hosted on G2.com.

What problems is GoCardless solving and how is that benefiting you?

Low fee ACH payments for ongoing service payments Review collected by and hosted on G2.com.

Response from Tim McDonnell of GoCardless

Dear Stacey,

Thank you for your review of GoCardless. We're pleased to hear that we provide low fee ACH payments.

We would like to discuss your experiences with GoCardless, as it's concerning that you haven't been able to reach out to anyone. Could you please email us - help@gocardless.com - Quoting "G2 Review" in the reference.

Alternatively, you can reach our support team via phone: +1 (628) 241-0044 or email: help@gocardless.com

Thank you,

GoCardless

Hector S.
HS
Head of Product
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: G2 invite
Incentivized Review
What do you like best about GoCardless?

GoCardless is very easy to set up and to use, and the customer support has always been very valuable. Review collected by and hosted on G2.com.

What do you dislike about GoCardless?

The fees and billing can be a little complex to work out sometimes - which as a small business you need to be aware of. Review collected by and hosted on G2.com.

What problems is GoCardless solving and how is that benefiting you?

Allowing the billing of customers who use our services in a way that's cheaper than Stripe. Review collected by and hosted on G2.com.

Response from Tim McDonnell of GoCardless

Thanks for the feedback Hector. It's great to hear that GoCardless is easy to use.

Please feel free to reach out to our Support Team to address any of your fee queries, we would be happy to help!

Thanks,

GoCardless

Verified User in Accounting
AA
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Review source: Organic
What do you like best about GoCardless?

Integration with Xero, and the idea of monthly subscription payments, but that was all it was: an idea. Review collected by and hosted on G2.com.

What do you dislike about GoCardless?

Pretty much everything! Zero support, zero explanation for service interruption, zero to xero. Review collected by and hosted on G2.com.

What problems is GoCardless solving and how is that benefiting you?

unfortunately none. It has created more problems. We were ready to implement the monthly subscription model and had the green light from GoCardless. As soon as we signed up the first client, they pulled the rug out from under us and we have not heard back from them in person since. Just cookie cutter email replies. Review collected by and hosted on G2.com.

Response from Tim McDonnell of GoCardless

Thank you for your review, we're sorry to hear that you've had a negative experience.

As you've left your review anonymously, we're unable to locate your profile and would like to discuss this with you further. Please could you reach out to help@gocardless.com with the reference "G2 Review".

Thank you,

GoCardless

Verified User in Financial Services
EF
Mid-Market(51-1000 emp.)
Validated Reviewer
Verified Current User
Review source: Organic
(Original )Information
What do you like best about GoCardless?

Platform has a simple API for processing bacs payments. Six years ago this was maybe best in market but it is now showing its age and lacks some advanced billing features available from other companies who offer BACs such as Stripe etc Review collected by and hosted on G2.com.

What do you dislike about GoCardless?

Not trustworthy. We process over 1/2 million+ per month in bacs transactions. After negotiating a volume discount a few years ago and spending a lot of time integrating GoCardless, they are now trying to raise rates to extortionate levels whilst adding on higher rates and fees for things that simply never existed before in this space such as far higher fees for refunds, failed payments, payment retries etc. It’s disappointing their management have adopted this strategy of trying to milk existing customers who have invested heavily in integration with GoCardless expecting them to accept far higher costs due to the difficulty and cost of moving. We were already paying a premium for the platform vs the cheapest rates we were quotes by other providers in the market. I do not recommend this company and we will be going to market and looking for a more trustworthy BACS payment partner at the next renewal. Review collected by and hosted on G2.com.

Recommendations to others considering GoCardless:

Avoid if you are a large volume processor and intend to invest in a long term partnership with them. As our experience with them has shown, despite them talking about building 'long term partnerships' at the beginning you may find after a few years GC trying to significantly increase your rates and invent new fees to the point where they are more expensive than processing card payments with none of the benefits. Anyone coming from years of processing BACs payments will understand how for volume customers it's not feasible and how ridiculous the new 'invented' additional charges are. For a small processor utilising a 3rd party integration platform the fees may make sense but shop around and don't pick platforms that lock you into only GoCardless. Review collected by and hosted on G2.com.

What problems is GoCardless solving and how is that benefiting you?

Automation of bacs processing via APIs and web hooks. This allows for improved IT integration compared to old methods and systems involving flat files. Review collected by and hosted on G2.com.

Jon L.
JL
Owner
Small-Business(50 or fewer emp.)
Validated Reviewer
Verified Current User
Review source: Organic
What do you like best about GoCardless?

Nothing. The entire point of a money transfer company is to transfer money. So far, they haven't lived up to their side of the transaction. Review collected by and hosted on G2.com.

What do you dislike about GoCardless?

So far, its been over 9 days and the company still has my money.

My account was approved in a flurry of emails with their verification dept. The next day, I received an email which i missed that said, 'we need additional information before we can approve your account.' This was after the company had charged my client's bank account.

Even though I missed that email, I did log in to their system several times over several days to check status. No notices that my account was on hold showed up anywhere.

Now, even though my request was put on 'rush' status, there has been no response from the verification team.

Customer service has no power, and they refuse to escalate to someone in the company that does.

Beyond this, the implementation and integration process with Xero is awful. Multiple calls and emails to GoCardless customer service were required to get things to work.

The system is also not easy to use if you have problems. It looks straightforward from a design perspective, but if there are issues, its baffling. What does "Payout" vs "Collected" mean? Shouldn't an ACH transfer go straight from my client's bank to mine? Instead, this seems to indicate that it sits in GoCardless' bank for a period of time. This isn't explained anywhere. Review collected by and hosted on G2.com.

What problems is GoCardless solving and how is that benefiting you?

Cheap alternative to credit card transactions for larger orders Review collected by and hosted on G2.com.

JA
Small-Business(50 or fewer emp.)
Validated Reviewer
Review source: Organic
What do you like best about GoCardless?

Absolutely nothing

This is the worst payment processor I have ever worked with Review collected by and hosted on G2.com.

What do you dislike about GoCardless?

You can NEVER get in contact with anyone at the company for support

Implementation was the worst experience I have ever had with a processor

After a very long and in-depth onboarding process, your receiving limit is incredibly low

Your account randomly gets flagged and deactivated with no contact from the support

When you try to reach out to support because your business can not receive payments to pay your expenses let alone your employees

Due to an error when they received payment from a client and then had a bank error on their side, they refused to pay out for months

Then after paying out the money after months they pulled money from my account and held it for ransom

Then after reaching out to them for 10 months, YES 10 months I finally got a vague response in which i promptly followed up every day for 3 weeks all to wait 4 more months for a response

Then I was put into collections 5 months later when I reached out to the collection agency they opened a case and I had to way 3 more months for a response even though I send an email once a week to get a status Review collected by and hosted on G2.com.

What problems is GoCardless solving and how is that benefiting you?

This company is not in the business of solving a problem they are in the business of causing problems Review collected by and hosted on G2.com.

Verified User in Consumer Services
UC
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Review source: G2 invite
Incentivized Review
What do you like best about GoCardless?

It just takes the work from Direct Debits. It just ensures that I do not miss one. Review collected by and hosted on G2.com.

What do you dislike about GoCardless?

Nothing, that I can think of right now. I have only been on the other side of it. My PT used it to take my payments. Review collected by and hosted on G2.com.

What problems is GoCardless solving and how is that benefiting you?

It is minimisin the risk of me missing payments, it allows me to offload that from my brain so I can focus on other matters. Review collected by and hosted on G2.com.

Response from Tim McDonnell of GoCardless

Thank you for your review, it's a pleasure to hear that GoCardless helps you collect your Direct Debit payments seamlessly.

Thanks,

GoCardless

Dan E.
DE
Enterprise Sales, EMEA
Enterprise(> 1000 emp.)
More Options
Validated Reviewer
Review source: G2 invite
Incentivized Review
What do you like best about GoCardless?

The service provided was exceptional and the product was dependable. Review collected by and hosted on G2.com.

What do you dislike about GoCardless?

No significant weaknesses. Although there was some employee churn within the org. Review collected by and hosted on G2.com.

What problems is GoCardless solving and how is that benefiting you?

Automating payments Review collected by and hosted on G2.com.

Response from Tim McDonnell of GoCardless

It's always great to hear positive comments about our Support Team, we will pass them on.

Thanks,

GoCardless