Bank-to-bank / Direct Debit
GoCardless
Cheapest published
1% + 20p domestic (UK Standard, capped at 4 GBP)
Rate position
GoCardless sits in the lower third
Across 14 published-rate vendors in this comparison.
GoCardless headline answer
GoCardless's cheapest published rate is 1% + 20p domestic (UK Standard, capped at 4 GBP). Pricing model: flat-rate. Monthly fee: $0. Dispute fee: Per scheme. Cross-border: +1% on international. FX: Per scheme.
Tier table (vendor-published)
| Tier | Rate | Notes |
|---|---|---|
| Standard (UK) | 1% + 20p (cap 4 GBP) | - |
| Advanced (UK) | 1.25% + 20p (cap 5 GBP) | - |
| Pro (UK) | 1.4% + 20p (cap 5.60 GBP) | - |
| International (Standard) | 2% + 20p | - |
Source: https://gocardless.com/pricing/ (verified 2026-06-19).
What GoCardless is best for
- UK subscription businesses using Bacs Direct Debit instead of cards.
- SEPA Direct Debit-heavy EU merchants.
- Merchants where the 4 GBP cap on Standard makes large-ticket invoicing very cheap.
Hidden costs and gotchas
Direct Debit specialist. No US ACH. UK Bacs and SEPA core markets. Three tiers (Standard, Advanced, Pro) layer in recovery, identity, fraud features.
- Three tiers (Standard, Advanced, Pro) add recovery, identity, and fraud features at 1.25% and 1.4% respectively.
- No US ACH; UK Bacs, SEPA, and a few international rails only.
FAQ
When does GoCardless beat cards?
Above roughly 50 GBP average ticket on UK Standard, because the 4 GBP cap kicks in. For lower tickets, card flat rates often win.
Does GoCardless process cards?
No. It is a Direct Debit specialist. For cards you pair it with Stripe, Adyen, or Braintree.
Closest alternatives
See the full vendor index, run the cross-vendor cost calculator, or read how we verify every rate.
verified Last verified June 2026