GoCardless is direct-debit pure-play (BACS, SEPA, ACH). Standard plan is 1% + 20p capped at GBP 4 (domestic UK), 2% + 20p international. Advanced is 1.25% capped at GBP 5. Pro is 1.4% capped at GBP 5.60. A +0.3% surcharge applies over GBP 2,000 per transaction.
Pulled directly from the vendor pricing page, verified 2026-06-19. We do not re-state any rate the vendor has not put in writing on their own site.
GoCardless wins for subscription and recurring-billing merchants who can move recurring revenue off cards onto direct debit. The cap means a GBP 500 transaction costs the same as a GBP 5,000 transaction (subject to the +0.3% over GBP 2,000 surcharge).
Not suitable for one-off retail purchases where the customer expects card settlement timing.
The number on the homepage of GoCardless is rarely the number a finance team books. Below are the line items that almost always show up, sourced from the same vendor pricing page where possible.
Direct-debit pure-play. Lowest per-transaction cost in the set for recurring revenue, especially over GBP 50 basket.