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By GoCardless
3.76 out of 5 stars
End late payments. Automatically debit your customer’s bank account whenever your Xero invoices are due. Lower-cost alternative to card payments.
out of 5
Reviewed by
Xero users
Listed for
9 years
February 2015
Key functions


Collecting regular payments like invoices and subscriptions can be painful - but it doesn’t need to be. GoCardless is made for recurring payments and puts you in control of when you get paid. Join over 60,000 businesses worldwide and say goodbye to chasing late payments, hidden costs and manual admin.

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GoCardless + Xero

Get paid faster with GoCardless for Xero

  • End late payments Take control when you get paid and cut out the stress of chasing unpaid bills.

  • Predictable cash flow Payments are collected automatically as soon as your invoices are due.

  • Less bookkeeping Payments are automatically reconciled against your Xero invoices, saving you hours on admin.

  • Transparent fees Low, pay-per-transaction fee. Avoid the markups and hidden fees of card networks. Low cost cap on domestic payment fees.

  • International payments Collect payments in international currency, receive payout in your home currency with no mark-up on foreign exchange. See the pricing page for details.

Who is it for?

GoCardless is made for businesses that bill their customers on a recurring basis. It’s ideal for collecting payment for both intermittent and repeating invoices as well as subscriptions, retainers and instalments.

How does GoCardless work?

GoCardless is a bank-to-bank payment method. It uses Direct Debit, ACH and PAD to automatically collect payments directly from your customer’s bank account.

Your customers only need to enter their payments details once, and that’s it. You’re authorised to collect all future payments without further action from your customer.

The amount you charge and when you charge can be fixed or flexible. In fact, it’s linked to the amount and due date on the Xero invoice you’ve sent your customer. Payments happen frictionlessly in the background.

How does it work with Xero?

Simple setup You can create an account from this page or directly within Xero. Once connected to Xero, it’s simple and secure to set your customers up to pay via GoCardless. Then, just send out your invoices and GoCardless can automatically collect payment when they are due.

One-click reconciliation Once invoice payment has been collected via GoCardless, the invoice is marked as ‘paid’ and an expense transaction is added for the GoCardless fee. Reconciling your payment can then be done with a single click!

Reviews & ratings

3.8 out of 5 stars
162 Reviews

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Most recent reviews

Argyl Dickson
Posted 18 Apr 2024
1 out of 5 stars

Be careful with this company....

I have been in business for over 20 years. I have excellent credit and great partnerships with other financial companies. Go Cardless tied up a huge almost $30,000 payment for over 2 weeks and ultimately cancelled my account with no explanation. I am warning you to be wary of this company. I have never experienced anything like this in my carrier. There are other companies out there, save yourself a potential headache and go with a different provider.
Posted 11 Apr 2024
1 out of 5 stars

Limited to no support

Dear Go Cardless - and I presume this is an automated AI response To give context _ I had a problem with my stripe payments I jumped on to the Stripe site, logged in and asked for help within 3 minutes!!!! I had received a call back phone call, had an amazing person who helped me through the issues - RESOLVED! And now I am back in business Gocardless by comparison is just a bunch of idiotic emails which look like an AI bot GoCardless is a waste of time I am not proceeding with setting up Go cardless
Anna-Maria Harrington
Posted 5 Feb 2024
5 out of 5 stars

Works well with Xero Invoicing

Gocardless has made collecting payments from very straightforward when done in conjunction with Xero invoices.

Additional info

Shared data

Paymentsshared from Xero to GoCardless and from GoCardless to Xero
Payment Servicesshared from Xero to GoCardless and from GoCardless to Xero
Contactsshared from Xero to GoCardless and from GoCardless to Xero
Branding Themesshared from Xero to GoCardless and from GoCardless to Xero
Bank Transactionsshared from GoCardless to Xero
Accountsshared from Xero to GoCardless and from GoCardless to Xero
Invoicesshared from Xero to GoCardless
Bank Transfersshared from GoCardless to Xero




Professional servicesRetail

App details

By GoCardless
Added in 2015


Australia, Canada, Ireland, New Zealand, United Kingdom, United States


English, French


Setup walkthroughContact



Get started with GoCardless

Although Xero reviews each app in the Xero App Store, we can’t give any guarantees. It’s up to you to assess the performance, quality and suitability of any app before going ahead.