GoCardless
GoCardless is an alternative payment method operating across online payments. The published rate, settlement and contract terms are in the commercial profile below.
Commercial profile
- Headline rate
- 1% + 20p, capped at £4 (Standard plan, UK Direct Debit)
- Settlement
- T+3 Bacs
- Contract
- No contract
- Channels
- Online payments
- Tier
- Alternative payment method
Rate source: GoCardless pricing, checked 23 September 2026. Published rates change, so confirm with GoCardless before you sign.
Editorial notes
Bacs Direct Debit and open banking, not a card acquirer. Often cheaper than card fees for recurring payments, since the fee is capped rather than percentage-only.
More from the index
Compare against the full Card Acquirer Index or check the head-to-head matchups.
Official site: GoCardless
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind MerchantHQ. His career runs through insurance, mortgages, commercial finance and fintech lending, including payments and merchant services. He writes the MerchantHQ library.
Last updated:
Payments review: Derren Powell, payments and fintech specialist, formerly Vice President, Business Development (Merchants) at Mastercard. Independent reviewer; the MerchantHQ editorial team retains control of the final content.