GoCardless vs. Ratepay Comparison


GoCardless	Ratepay	+	+
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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.	About Ratepay operates in financial services as a direct provider of White Label Buy Now, Pay Later (BNPL) products in Germany, Austria, Switzerland, and The Netherlands. The company enables large online retailers (merchants and marketplaces such as Ebay, IKEA, Eurowings, ShopApoteke, Flyeralarm, or About You) to offer end-customers (buyers) the possibility to pay for products or services via open invoice, direct debit, or in installments. Being natively integrated at checkout, Ratepay is invisible to the buyers and does not dilute the merchant’s brand and trustworthiness. Buyers are not required to abandon the checkout interface and create an additional account or download an app and therefore, constantly remain in the brand world of the merchant. This leads to a higher conversion rate, an increased average basket size, and more repeat purchases.
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 Supported Mac Supported Linux Supported Cloud Supported On-Premises Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Supported
Audience All businesses taking regular or recurring payments, from individuals to multi-national corporations	Audience Large ecommerce platforms
Support Phone Support Supported 24/7 Live Support Not Supported Online Supported	Support Phone Support Supported 24/7 Live Support Not Supported Online Supported
API Offers API Not Supported	API Offers API Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
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	Pricing customizable based on vertical, basket size, business model (B2B, B2C, marketplace...), features, modules, payment conditions. Free Version Not Supported Free Trial Supported
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	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
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 Supported Live Online Supported In Person Not Supported	Training Documentation Supported Webinars Supported Live Online Supported In Person Supported
Company Information GoCardless Founded: 2011 United Kingdom www.gocardless.com	Company Information Ratepay Founded: 2009 Germany ratepay.com
Alternatives Plaid	Alternatives Creditea International Personal Finance
Stripe	MONEI MONEI DIGITAL PAYMENTS SL
Blink Payment	Splitit
Melio	tabby
KORT KORT Payments View All	@Pay View All
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	Categories Buy Now Pay Later 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 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
Integrations Agicap Supported CleanerPlanner Supported Codeless Platforms Alerting Software Supported Codeless Platforms BPA Platform Supported HostBill Supported Juspay Supported Lago Supported OfficeRnD Flex Supported OfficeRnD Hybrid Supported PayPal Not Supported QuickBooks Online Supported Shift Supported Synder Supported TennisBiz Supported ToucanTech Supported Virtuagym Supported WhenThen Supported Xero Supported Zephr Supported membermeister Supported Show More Integrations View All 104 Integrations	Integrations Agicap Not Supported CleanerPlanner Not Supported Codeless Platforms Alerting Software Not Supported Codeless Platforms BPA Platform Not Supported HostBill Not Supported Juspay Not Supported Lago Not Supported OfficeRnD Flex Not Supported OfficeRnD Hybrid Not Supported PayPal Supported QuickBooks Online Not Supported Shift Not Supported Synder Not Supported TennisBiz Not Supported ToucanTech Not Supported Virtuagym Not Supported WhenThen Not Supported Xero Not Supported Zephr Not Supported membermeister Not Supported Show More Integrations View All 4 Integrations
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