GoCardless
Last verified 2026-04-26
GoCardless is a UK alternative payment method operating across online payments. Headline rate 1% + 20p, capped £2, t+3 bacs, no contract. Bacs Direct Debit and open banking, not a card acquirer. Lower fee than card on recurring above £30/payment.
Verifiable identifier chain
Commercial profile
- Headline rate
- 1% + 20p, capped £2
- Settlement
- T+3 Bacs
- Contract
- No contract
- Channels
- Online payments
- Tier
- Alternative payment method
Editorial notes
Bacs Direct Debit and open banking, not a card acquirer. Lower fee than card on recurring above £30/payment.
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Founder & Managing Director, Muswell Rose, MerchantHQ
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind MerchantHQ. His career runs through insurance, mortgages, commercial finance and fintech lending, including payments and merchant services. He writes the MerchantHQ library.
Last reviewed: 26 April 2026