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There's a free plan; paid tiers are quoted.
GoCardless has no published monthly subscription price for Standard, Advanced or Pro: it charges per transaction. The listed UK rate starts at 1% + 20p on Standard, capped at £4; international payments start at 2% + 20p. Advanced and Pro have higher transaction fees and add failed-payment recovery or fraud features. Plans are monthly rolling, with no annual billing listed. Watch for the extra 0.3% on Direct Debits over £2,000 and optional monthly add-ons.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Standard | — | Quote | Businesses collecting one-off or recurring payments |
| Advanced | — | Quote | Businesses seeking fewer failed payments |
| Pro | — | Quote | Businesses seeking payment and fraud reduction |
| Custom | — | Quote | Businesses with £1m+ annual revenue or bespoke needs |
Add-ons and overages
- Business name on bank statements: +£50/month
- Fully custom checkout: +£150/month
- Direct Debit fee surcharge: +0.3% for transaction amounts over £2,000
- Funding through Pipe is listed; price and terms are not published here
02What the plan grid doesn't tell you
Large Direct Debits
Direct Debit transactions over £2,000 carry an extra 0.3% fee, on top of the plan’s listed transaction rate.
Paid checkout extras
The listed add-ons are £50/month for your business name on bank statements and £150/month for fully custom checkout.
Custom plan charges
Custom pricing is available for businesses with £1m+ annual revenue or bespoke needs. Setup or monthly costs may apply.
Pipe pricing not published
Funding through Pipe is listed, but its price and terms are not published here.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Collecting standard payments | Standard | It has the lowest listed UK and international transaction rates, with 350+ integrations. |
| Reducing failed collections | Advanced | It includes Success+, which says it recovers up to 70% of failed payments. |
| Seeking fraud protection | Pro | It includes Advanced features and Protect+, at higher listed transaction rates. |
04Is GoCardless worth the money?
GoCardless is worth pricing for businesses that want to collect recurring or one-off bank payments and can make the transaction fees work. The per-transaction model avoids a listed monthly subscription for Standard, Advanced and Pro, but higher-value Direct Debits add 0.3%, and optional extras can add fixed monthly costs. Compare the total against other payment options using your transaction sizes, volumes and need for recovery or fraud features; the pricing page alone does not show your likely bill.
GoCardless pricing FAQ
How much does GoCardless cost?
The listed Standard UK rate is 1% + 20p per transaction, capped at £4; international payments are 2% + 20p. Advanced and Pro have higher rates. The pricing page does not list fixed monthly prices for these plans.
Does GoCardless have a free plan?
GoCardless lists a free plan, but payment processing is not free: Standard starts at 1% + 20p for UK transactions, capped at £4. The pricing page lists no fixed monthly subscription price for Standard, Advanced or Pro.
Does GoCardless charge extra on payments over £2,000?
Yes. The listed plans add 0.3% on Direct Debit transactions over £2,000. That surcharge is separate from each plan’s base rate, so include it when estimating costs for larger collections.
Does GoCardless offer custom pricing?
Yes. Custom is listed for businesses with £1m+ annual revenue or bespoke needs, with volume-based discounts and dedicated customer support. Setup or monthly costs may apply; the specific price is not published.