Direct Debit vs. GoCardless Comparison


Direct Debit	GoCardless	+	+
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About Direct Debit is a cloud-based debit order collection system that enables businesses to automatically collect recurring payments directly from customers’ bank accounts. It provides a complete end-to-end workflow, beginning with customizable electronic mandates that customers can sign digitally from any device, allowing companies to obtain secure authorization quickly and eliminate paper processes. Once authorized, businesses can submit payment instructions specifying the amount and schedule, and the system automatically debits customer accounts on the selected dates. It includes Account Verification Service (AVS) to validate banking details and reduce fraud risk, as well as DebiCheck authentication to lower disputes by confirming mandates upfront. It supports Same Day and Two-Day EFT debit orders, EFT credits, and batch processing, with API and webhook integrations that allow organizations to connect the platform to their own systems.	About Simplify recurring or one-off payment processing with GoCardless, UK's leading online direct debit provider. Cost effective and secure, GoCardless offers a truly paperless Direct Debit set up option, with a simple migration process and transparent fees. The platform also comes with pre-built integrations with leading accountancy, membership and subscription software, including Xero, Quickbooks, Sage, Zuora, Teamup and Online Scout Manager.
Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported	Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported
Audience Businesses and subscription-based organizations that want automated, secure debit order collection from customer bank accounts	Audience All businesses taking regular or recurring payments, from individuals to multi-national corporations
Support Phone Support Not Supported 24/7 Live Support Not Supported Online Supported	Support Phone Support Supported 24/7 Live Support Not Supported Online Supported
API Offers API Supported	API Offers API Not Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing $26.03 per month Free Version Not Supported Free Trial Not Supported	Pricing $0.01/month/user Standard 1% per transaction Min 20p, max £2 No monthly fee Pro Volume-based pricing + £200 per month Free Version Not Supported Free Trial Supported
Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software	Reviews/Ratings Overall 3.0 / 5 ease 2.5 / 5 features 3.0 / 5 design 3.0 / 5 support 3.0 / 5 Read all reviews
	Pros & Cons from Real Users Pros Very low fees. Much better than credit cards! Integration with Xero is excellent. Handles multi-currency as well. I have been using GoCardless for my business since 2012. When we first started using them they were a small start-up and we had remained loyal and supportive of them for over 7 years. Cons Getting multi-currency setup correctly in Xero took a few extra steps and wasn't documented clearly at the time (we had to setup an additional clearing account in Xero). But the GoCardless support was very useful, and guided me to the Xero documentation I needed to follow. Sadly their service today is nothing like it was in the past. Over the years there have been some issues with their service but they had generally been helpful in getting things fixed.
Training Documentation Supported Webinars Not Supported Live Online Supported In Person Not Supported	Training Documentation Supported Webinars Supported Live Online Supported In Person Not Supported
Company Information Direct Debit Founded: 2009 South Africa www.directdebit.co.za/	Company Information GoCardless Founded: 2011 United Kingdom www.gocardless.com
Alternatives QuickBooks Payments Intuit	Alternatives Plaid
KUBRA EZ-PAY KUBRA	Stripe
FastPay	Blink Payment
GolfClubSubs	Melio
Reveniu View All	KORT KORT Payments View All
Categories Payment Processing Supported	Categories Billing and Invoicing Supported Buy Now Pay Later Supported Open Banking Supported Open Finance Supported Payment Gateways Supported Payment Processing Supported Recurring Billing Supported
	Payment Processing Features ACH Check Transactions Not Supported Bitcoin Compatible Supported Debit Card Support Not Supported Gift Card Management Not Supported Mobile Payments Supported Online Payments Supported POS Transactions Not Supported Receipt Printing Not Supported Recurring Billing Supported Signature Capture Not Supported Show More Features Billing and Invoicing Features Billing Portal Supported Contact Database Supported Contingency Billing Not Supported Customer Portal Not Supported Customizable Invoices Not Supported Dunning Management Supported Hourly Billing Not Supported Invoice History Not Supported Mobile Payments Not Supported Multi-Currency Supported Online Invoicing Not Supported Online Payments Supported Payment Processing Supported Project Billing Supported Recurring/Subscription Billing Supported Service Ticket Billing Not Supported Tax Calculator Supported Payment Gateways Features ACH / eCheck support Not Supported Buyer Authentication Not Supported Credit / Debit Support Supported Customer Information Storage Not Supported Fraud Prevention Not Supported Invoicing Not Supported Multi-Currency Not Supported PCI Compliance Not Supported Point-of-Sale (POS) Not Supported Recurring Billing / Subscriptions Not Supported Reporting / Analytics Not Supported
Integrations QuickBooks Online Supported Xero Supported Axis LMS Not Supported BillingPlatform Not Supported ChartMogul Not Supported Cyclr Not Supported Evenda Not Supported Evolok Not Supported GoodVat Not Supported Google Sheets Supported HarbaMaster Not Supported HostBill Not Supported PTminder Not Supported Salesforce CRM Analytics Supported SubscriptionFlow Not Supported ToucanTech Not Supported WHMCS Supported Zoho Books Supported keylight Not Supported membermeister Not Supported Show More Integrations View All 19 Integrations	Integrations QuickBooks Online Supported Xero Supported Axis LMS Supported BillingPlatform Supported ChartMogul Supported Cyclr Supported Evenda Supported Evolok Supported GoodVat Supported Google Sheets Not Supported HarbaMaster Supported HostBill Supported PTminder Supported Salesforce CRM Analytics Not Supported SubscriptionFlow Supported ToucanTech Supported WHMCS Not Supported Zoho Books Not Supported keylight Supported membermeister Supported Show More Integrations View All 109 Integrations
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