If you’re a U.S.-based business considering GoCardless, run the other way. This company is the epitome of bureaucratic overreach wrapped in red tape. I onboarded with them, submitted my verification documentation, and began using the platform in good faith. Everything seemed fine—until they owed me money. That’s when the nonsense began. With no warning and zero regard for how this would impact my business, GoCardless suddenly froze my account, locked my ability to receive payouts, and even blocked me from creating or collecting payments. Their justification? A mysterious “account review” due to so-called regulatory requirements. Funny how those “requirements” only seem to kick in once they’ve taken money from your customers. To make matters worse, they requested the same identity documents I already submitted—this time with a new twist: I had to send a selfie holding my ID, like I’m applying to a sketchy dating site, not managing legitimate business transactions. And the kicker? Payments already marked as confirmed will still be withdrawn from my customers. So GoCardless keeps raking in funds while I'm stuck in limbo, unable to access a dime. Had this invasive circus act happened during onboarding, I’d have walked away immediately. But now, I’m trapped midstream—customers have paid, and I’m left chasing down my own money. This isn’t compliance—it’s corporate hostage-taking, and it’s unacceptable. Do yourself a favor: choose a payment processor that actually respects the businesses it serves. GoCardless is a masterclass in how to alienate and inconvenience customers under the guise of “regulation.” Avoid at all costs.

Account on one entity got summarily closed with no feedback as to why, or any recourse (a newer entity, with I can assure you no risk). I wouldn't suggest using them at all. We're migrating our remaining business away from them lest they wake up one day and force us to migrate on a whim of some review team member that cannot be contacted, spoken to in any way and only communicates via email (5 days later if you're lucky).

GoCardless have the worst customer support of anyone I use in the tech space they are almost impossible to contact and just don't care about their customers, we had a false clawback claim made against us they did nothing to help and just paid it out straight away. For some reason now after 6 years of use they decide we need to re verified. They have cocked it up our account is frozen and not had payments for weeks now so cannot pay anyone. Tech Support is useless and I have asked to make a complaint but they will not provide any details on how you do it. Costs go up regular and service is none existant. Way better products on the market now so we are moving to Adfin who actually care and support their customers and can be contacted. Stay away from GoCardless if you want your cashflow to be guaranteed. Also look at their financials £285m losses I don't want them holding my money will likely go bust as some point.

This is an utter RIP OFF they take your money then they send you a email asking to explain yourself and what you do for a living ? We make chemicals and then say well that is in breach of our terms and conditions! That's fine send the money back to the customer ? Not that easy it would appear they certainly don't rush, well we are EXCELENT at putting people before the court's and I will do exactly that if payment is not made within 24 Hours

When I signed up to Xero the gocardless option felt like I didn’t have a choice to remove it. Thankfully most if my clients never used it. 2 recently have, the delay between the client paying and your payout is insane. Really messed up my cashflow. They also take payment for the pleasure. I would recommend removing it if you don’t need recurring payments. I only have clients that do big one-off payments and this isn’t helpful in that scenario

I signed up to this app as I thought it would be good as it's on Xero, however I was very wrong. I signed up for DD as I thought it would speed up the payment process. However after finally getting clients to use this system, I found out that payments can take up to 2 weeks to be paid from the invoice date. In my case it is 13 days. They take into account weekends as 2 days processing time, etc etc. The customer service is also really poor, so don't expect fast response times when trying to resolve the delayed payments. Overall I would recommend going elsewhere.