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GoCardless may still fit businesses collecting recurring bank payments, but its pricing summary lists no starting price, and transaction fees deserve a close look. There’s another reason to switch: a Reddit user said GoCardless told them it no longer offers standalone Bank Account Data to new customers. We’ve compared six alternatives by their stated use cases and listed prices. None is confirmed here as a like-for-like replacement for bank-account data syncing, so check that requirement before moving.
01Why people leave GoCardless
Standalone bank data is unavailable to new customers
In one Reddit thread, a new customer shared GoCardless support’s response: standalone Bank Account Data is no longer offered to new customers.
Bank data now sits in a payment journey
Support said customers seeking open banking data within a payment journey should speak to sales; transaction syncing alone would not be possible.
Transaction costs need close checking
The published GoCardless summary flags per-transaction fees as worth pricing carefully, while listing no starting price.
02The alternatives, ranked by fit
- Recurring payment flexibility
Authorize.NetAuthorize.NetAuthorize.Net is the clearest fit in this list if recurring payments are the priority: its stated use cases include recurring payments, a merchant account and gateway, and processing across several channels. The listed starting price is $25. That gives you a concrete price point to compare with GoCardless, whose published summary lists no starting price.
Trade-off: Budget for the monthly fee and transaction costs; bank-debit support isn’t established here.
6.5/10from
$25/mo - Online payment options
PayPalPayPalPayPal is worth comparing if you want a digital wallet and multiple payment options for online sales rather than a direct bank-payment substitute. The published summary lists a free plan and a starting price of $5. It also flags business fees and dispute concerns, so check those costs and risks against your payment mix.
Trade-off: Business fees and dispute concerns temper the appeal.
6.3/10from
$5/mofree plan - Small sellers and POS
SquareSquareSquare fits small sellers who want POS and online sales tools in one platform. Its published summary lists a free plan, but no paid starting price. Consider it if your switch is about consolidating selling tools; the available information does not establish it as a replacement for GoCardless bank-account data syncing or recurring bank collections.
Trade-off: Check full payment costs and account-risk trade-offs.
6.9/10from
Freefree plan - Cross-channel payments
WindcaveWindcaveWindcave is a candidate for businesses taking payments across channels or seeking global acquiring and cross-border payment services. Its published summary gives no starting price, so compare costs directly before committing. The information here describes broad payment coverage, not a confirmed replacement for GoCardless’s bank-data or recurring bank-payment features.
Trade-off: Pricing is opaque, with some localized user concerns.
6.0/10from
Custom - POS and operations
CloverCloverClover makes more sense if your move is toward POS and operations tools, especially if you’re comparing restaurant-specific plans or starting with free software. The published summary lists a free plan and a starting price of $29.95. Treat it as a broader merchant-tool option, not a proven match for bank-account data syncing.
Trade-off: Price hardware and processing before switching.
6.5/10from
$29.95/mofree plan - Church giving tools
VancoVancoVanco is a narrower alternative for churches that want online giving and event-management tools. The published summary lists a free plan and a starting price of $54, making it possible to compare against GoCardless’s unpublished starting price. It’s relevant when organizational giving is the use case, not as a confirmed bank-data-sync replacement.
Trade-off: The free plan still carries transaction fees; add-ons are optional.
6.1/10from
$54/mofree plan
03Side by side
| Tool | Score | From | Free plan | Best for |
|---|---|---|---|---|
 GoCardless GoCardless (current) | 7.4 | Free | Yes | Businesses collecting recurring bank payments |
| Authorize.Net Authorize.Net | 6.5 | $25/mo | No | Businesses needing a merchant account and gateway |
| PayPal PayPal | 6.3 | $5/mo | Yes | Shoppers wanting a digital wallet |
| Square Square | 6.9 | Free | Yes | Small sellers needing POS and online sales |
| Windcave Windcave | 6.0 | Custom | No | Businesses taking payments across channels |
| Clover Clover | 6.5 | $29.95/mo | Yes | Merchants wanting POS and operations tools |
| Vanco Vanco | 6.1 | $54/mo | Yes | Churches starting online giving |
Questions people ask
Does GoCardless still offer standalone Bank Account Data?
According to the support response shared in one Reddit thread, GoCardless no longer offers Bank Account Data as a standalone product to new customers. The response said customers wanting open banking data within a payment journey should speak to sales. It said transaction syncing alone would not be possible.
Which GoCardless alternative supports recurring payments?
The published summary explicitly lists recurring payments as a use case for Authorize.Net, which starts at $25. It does not establish that Authorize.Net supports recurring bank debits or replaces GoCardless Bank Account Data. Confirm payment methods and data-sync needs with the provider before switching.
How much does GoCardless cost?
The published GoCardless pricing summary lists no starting price and flags per-transaction fees as worth pricing carefully. That means we can’t give a reliable total from the available information. Ask GoCardless for fees based on your payment volume and compare the full transaction costs with each alternative.