StripeFinance & invoicingFree plan: No setup fee and no monthly subscription: transparent pay-as-you-go per transaction (1.5% + €0.25 for standard European cards, €0.29 for iDEAL, €0.35 for SEPA)
Made in United KingdomGoCardless pricing in Europe (October 2026): plans, free plan & deals
Paid plans from €50 a month. Free plan: Standard tier with no monthly fee: 1.0% + €0.20 per domestic transaction (capped at €4.00, significantly cheaper than card processing for large invoices).
PRICING AT A GLANCE Official price
Plans from €50 a month
Free plan: Standard tier with no monthly fee: 1.0% + €0.20 per domestic transaction (capped at €4.00, significantly cheaper than card processing for large invoices).
See GoCardless plans- No code needed
- Official vendor checkout
Free planStandard tier with no monthly fee: 1.0% + €0.20 per domestic transaction (capped at €4.00, significantly cheaper than card processing for large invoices)
Paid plans from€50 a month
Data stored inEuropean cloud infrastructure with primary data centers located in the UK and Ireland (AWS Europe)
Data protectionAuthorized by the UK Financial Conduct Authority (FCA), regulated in the EEA by the Bank of Lithuania, ISO 27001 certified, and GDPR Article 28 DPA
CompanyLeading European direct bank payment and recurring billing specialist (GoCardless Ltd), headquartered in London, United Kingdom
GoCardless plans and prices
| Plan | Monthly (EUR) | Yearly billing, per month (EUR) | Includes |
|---|---|---|---|
| Standard | Free | Free | 1.0% + €0.20 per domestic transaction, capped at €4.00 maximum fee. Electronic mandate authorization, automated SEPA direct debit collection across 30+ European countries, automatic bank payouts |
| Plus | €50 | €40 | 1.0% + €0.20 per domestic transaction (capped at €4.00). Custom-branded payment payment pages with company logo, custom bank statement descriptor, phone and priority customer support |
| Pro / Custom | €250 | €200 | For volume merchants. Discounted transaction fees, full white-label custom integration via API, Success+ intelligent payment retries powered by machine learning, dedicated account manager |
Prices as listed on GoCardless’s pricing page; VAT may be added at checkout. gocardless.com · Checked 22 Oct 2026
What will you pay for GoCardless?
€5,000 / mo (Standard 1.0% + €0.20, capped at €4.00)€500,000+ / mo (Pro Custom volume-based discounted pricing)
Standard€0 / monthly
1.0% + €0.20 per domestic transaction, capped at €4.00 maximum fee. Electronic mandate authorization, automated SEPA direct debit collection across 30+ European countries, automatic bank payouts
PlusCheapest€50 / monthly
1.0% + €0.20 per domestic transaction (capped at €4.00). Custom-branded payment payment pages with company logo, custom bank statement descriptor, phone and priority customer support
Pro / Custom€250 / monthly
For volume merchants. Discounted transaction fees, full white-label custom integration via API, Success+ intelligent payment retries powered by machine learning, dedicated account manager
A look at GoCardless
What you work with in GoCardless.
GoCardless · Stripe · Mollie side by side
Figures from each vendor’s own pricing and privacy pages.
| GoCardless | Stripe |  Mollie | |
|---|---|---|---|
| Free plan | Standard tier with no monthly fee: 1.0% + €0.20 per domestic transaction (capped at €4.00, significantly cheaper than card processing for large invoices) | No setup fee and no monthly subscription: transparent pay-as-you-go per transaction (1.5% + €0.25 for standard European cards, €0.29 for iDEAL, €0.35 for SEPA) | No monthly subscription fee or setup fee: transparent pay-as-you-go per successful transaction |
| Paid plans from | €50 a month | €299 a month | €250 a month |
| Data stored in | European cloud infrastructure with primary data centers located in the UK and Ireland (AWS Europe) | Multi-region AWS cloud infrastructure with European customer and transaction data hosted in Dublin (Ireland) and Frankfurt (Germany) | Transaction processing and customer data hosted in high-security ISO 27001-certified data centers in the Netherlands and Germany |
| Origin | United Kingdom | IE | Netherlands |
Checked 22 Oct 2026. Prices as each vendor lists them.
Is GoCardless worth it?
Strengths & best fit
Best for: B2B companies, subscription businesses, accountancy firms, and recurring service providers seeking the lowest-cost, bank-to-bank automated payment collection via European SEPA Direct Debit and UK Bacs.
Free plan covers: Standard tier with no monthly fee: 1.0% + €0.20 per domestic transaction (capped at €4.00, significantly cheaper than card processing for large invoices).
Good to know
Headquartered in London, United Kingdom and regulated across the European Economic Area by the Bank of Lithuania, GoCardless specializes exclusively in account-to-account (A2A) payments. Transactions via GoCardless bypass costly credit card processing networks entirely, capping domestic SEPA fees at a maximum of €4.00 per transaction regardless of invoice size.
GoCardless alternatives and their deals
StripeFinance & invoicingMollieFinance & invoicingFree plan: No monthly subscription fee or setup fee: transparent pay-as-you-go per successful transaction
AdyenFinance & invoicingFree plan: Transparent Interchange++ pricing: €0.11 fixed processing fee per transaction + payment method fee (€0.13 for iDEAL, €0.19 for Bancontact, interchange rate for Visa/Mastercard)
Watch a GoCardless walkthrough
Questions
Does GoCardless have a free plan?▼
Yes. Free plan: Standard tier with no monthly fee: 1.0% + €0.20 per domestic transaction (capped at €4.00, significantly cheaper than card processing for large invoices).
How much does GoCardless cost?▼
Standard costs €0 a month. Prices as the vendor lists them.
Is there a GoCardless discount code?▼
No discount is confirmed today. New offers appear at the top of this page when we confirm them.
Why is GoCardless cheaper than credit cards for B2B recurring billing?▼
Credit cards typically cost 1.5% to 2.9% with no fee ceiling, meaning a €2,000 monthly B2B invoice incurs €30 to €58 in card processing fees. In contrast, GoCardless standard fees are 1.0% + €0.20 capped at €4.00, resulting in massive savings while preventing churn caused by expired or lost credit cards.
What does GoCardless say about data protection for EU customers?▼
Authorized by the UK Financial Conduct Authority (FCA), regulated in the EEA by the Bank of Lithuania, ISO 27001 certified, and GDPR Article 28 DPA (gocardless.com, Checked 22 Oct 2026).
Where does GoCardless store customer data?▼
According to gocardless.com: European cloud infrastructure with primary data centers located in the UK and Ireland (AWS Europe). Checked 22 Oct 2026.
Price history: Plus €50, Pro / Custom €250
Start free, upgrade when you need it
Free plan: Standard tier with no monthly fee: 1.0% + €0.20 per domestic transaction (capped at €4.00, significantly cheaper than card processing for large invoices). Paid plans from €50 a month.
- No code needed
- Official vendor checkout