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GoCardless

By GoCardless
3.52 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.
Rated
3.5
out of 5
Reviewed by
181
Xero users
Listed for
10 years
February 2015
Key functions
Payments

Overview

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.

GoCardless
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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

3.5 out of 5 stars
181 Reviews

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Most recent reviews

MA
Mara Alexander
Posted 22 Jun 2025
2 out of 5 stars

Worked great, until it didn't

I've used GoCardless for a couple years now, and it's always worked fine. Some clients have a little trouble signing up/creating a mandate, but they were always able to sign up and the payments would start flowing predictably. Up until this month (June 2025). I've had 2 clients attempt to sign up/pay an invoice by Direct Debit. They were both unable to complete the process. The first one I knew he is a little tech challenged, so I assumed user error and told him he could send me a check. The second one is fairly well-versed online, so I went to look at the GoCardless records (what little GC shows in their dashboard). Both clients had created 2 mandates. Both clients entered their banking information. Both clients had active mandates. So why were there TWO for each client? Each client also had an INACTIVE mandate. I don't know what happened, and GC doesn't show me any information beyond that. The second client said she "tried to pay twice but it didn't go through, I never got an email." Client didn't get an email. *I* never got any email saying there was a problem, and even though their website claims support is "24/7/365", it is not. It's been almost 40 hours since I submitted a support ticket, and no answer. I understand they've moved their support staff to Latvia. Just freakin lovely. I'm looking for an alternative.
RC
Robyn Calloway-Wardle
Posted 6 Jun 2025
4 out of 5 stars

Integration with Xero works well

It's been a bit of a bumpy ride understanding how the integration works as I didn't have any previous experience with the system and no handover, but now I'm happy with the process: I get emails alerting me to daily pay outs and I can check the invoice reconciliations have worked. It's a shame the max collection is £5K per invoice, but that is more a GoCardless issue than the app integration.
AM
Adrian Mulvihill
Posted 6 Jun 2025
2 out of 5 stars

Delayed Payments

I received an email yesterday, signed by generic Customer Service, saying some payouts were delayed (implying they didn't know which) by an issue at their Sponsor bank (no name) and they hoped it wouldn't happen again but it was beyond their control. The payments would be done "as soon as possible". Of course there's no number to ring, no commitment to keep customers updated and a general air of anonymity about the communication. Very poor really and I would say a strong signal to change provider.

Additional info

Shared data

Xero
GoCardless
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

Functions

Payments

Industries

Professional servicesRetail

App details

By GoCardless
Added in 2015

Countries

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

Languages

English, French

Support

Setup walkthroughContact supporthelp@gocardless.com

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Get started with GoCardless

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