Worst experience to date. Scam operation. Tried setting up automated payments via direct debit to give customers another option if they didn't want to to use card details. Big mistake using Gocardless option in Xero. After setting up & deducting funds from customer's account they waited until the supposed payout day to verify the account, payments on hold. Bookeeper/management accountant contacted support only to be advised the verification team could not be contacted directly & to respond to the automated verification email. Email requested photo ID & pic holding the photo ID. Provided all information requested and ID with pic in addition to copy of invoice & contact details of accounting firm. Two days later informed that 'account has not passed our assessment to a satisfactory level' & as for the funds already deducted from customer's account 'Your customer will need to reach out to their bank to try and recover these funds.' Account now inactive & basically the team is not directly contactable except by email. Large accounting firm who support us will be advising clients to avoid using GoCardless. Hopefully Xero will find a suitable alternative that can assist businesses instead of causing loss.

We had a deeply disappointing experience with GoCardless. After submitting all requested documentation, our account was suddenly restricted without explanation. We still have no clarity on the status of our customer payments, which is unacceptable. We integrated GoCardless with Xero expecting a seamless solution, but instead encountered confusion, poor communication, and disruption to our operations. I strongly advise others to steer clear of this service.

I rarely leave reviews, but I had to take a moment to give a massive shoutout to GoCardless—especially to Wasiq from the support team. His assistance was second to none. From the moment I reached out, Wasiq went above and beyond to help me with everything I needed. He was patient, knowledgeable, and genuinely cared about getting things sorted. It’s not every day you come across someone who makes the process not just smooth, but actually enjoyable. I’m honestly over the moon with the level of service he provided. If every company had someone like Wasiq on their team, the world would be a much better (and less stressful) place. Thanks again GoCardless—and an even bigger thank you to Wasiq

We've used GoCardless for a couple of years, but are removing it as a payment option today. We've had nothing but problems with its Xero integration. In short, if a client uses GoCardless to pay an invoice but they've already paid it by credit card, the transaction doesn't sync to Xero, nor do you get any kind of notification from GoCardless telling you it couldn't reconcile. It just disappears into purgatory. We end up going many months with clients double-paying invoices, and eventually we need to clean it up and issue a pile of refunds. Deep inside GoCardless there's a report that lists these problem transactions. A simple notification would solve this issue. The bank account payout entries it pushes to Xero are also screwy... instead of a proper transfer, it's two separate transactions in these accounts, and there is no detail on what it includes... so this makes reconciliation a nightmare, and impossible to spot any problems.

We rarely have issues with collecting invoice payments because of GoCardless which we have used for over five years now. In fact, we rolled back from migrating to Quickbooks because they didn't support GoCardless. We have also recommended it to clients. The Xero integration is bumpy every year or so when someone does something like archiving an ongoing client - there's not a lot of good online help and it and can be frustrating especially with UK support not being available during U.S. hours. But it is an excellent system and we depend on it.

Originally using GoCardless for Xero (GC4X), we wanted to migrate to this new GoCardless in Xero (GCIX) integration. GoCardless had to manually break the connection for us to achieve this, meaning our ability to take automatic Direct Debits would be temporarily paused. Supposedly a simple setup via the online payments feature within our Xero account, it's anything but. The setup fails at the first hurdle, so we open a support ticket. The issue gets passed to the product team for investigation. It's now been over a week and we're still without an operational integration and without any actual response or even timeframe from the product team dealing with this. The support team just keep saying "we've checked in, please be patient". We pay good money each month to Xero and rely on the service for vital business tasks. This is not good enough.