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PayXL

PayXL

VS

GoCardless

Recurring payments

GoCardless
Fees from
Custom vs 1%–1.4% + £0.2
Features

3 shared

5 unique to PayXL
Regions

2 shared

7 unique to PayXL · 1 unique to GoCardless
Pay methods

5 shared

20 unique to PayXL · 2 unique to GoCardless

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Show full specs
8 features · 27 payment methods · 10 regions. We don't rank these — they're here for reference.
PayXL PayXL
GoCardless GoCardless
Quick Facts
Fees
Standard transaction rate
Custom
1%–1.4% + £0.2
Settlement
Time to receive funds
Same day
2–5 business days
Founded
—
2011
Headquarters
Canada
London, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
PayXL leads (8 vs 3)
Crypto Support Unique
✓
—
High Risk Accepted Unique
✓
—
Instant Payout
✓
✓
Low Fees
✓
✓
Multi Currency Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly Unique
✓
—
Virtual Terminal Unique
✓
—
Payment Methods
PayXL leads (25 vs 7)
Ach
✓
✓
Affirm Unique
✓
—
Afterpay Unique
✓
—
Bacs Unique
—
✓
Bank Transfer
✓
✓
Bitcoin Unique
✓
—
Bnpl Unique
✓
—
Chaps Unique
✓
—
Crypto Unique
✓
—
Direct Debit Unique
—
✓
Ethereum Unique
✓
—
Faster Payments
✓
✓
Installments Unique
✓
—
Klarna Unique
✓
—
Lightning Network Unique
✓
—
Litecoin Unique
✓
—
Real Time Payments Unique
✓
—
Sepa
✓
✓
Sepa Direct Debit
✓
✓
Solana Unique
✓
—
Stablecoin Unique
✓
—
Swift Unique
✓
—
Usdc Unique
✓
—
Usdt Unique
✓
—
Virtual Account Unique
✓
—
Wire Transfer Unique
✓
—
Xrp Unique
✓
—
Regions
PayXL leads (9 vs 3)
Africa Unique
✓
—
Asia Unique
✓
—
Europe
✓
✓
Global Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
—
✓
South America Unique
✓
—
Southeast Asia Unique
✓
—

PayXL is best when you...

Need Crypto Support
Not available with GoCardless
Need High Risk Accepted
Not available with GoCardless
Want coverage in Africa, Asia, Global, Latin America, Middle East, South America, Southeast Asia
GoCardless doesn't cover these regions
View PayXL

GoCardless is best when you...

Recurring payments
Want coverage in Oceania
PayXL doesn't cover this region
View GoCardless

Frequently Asked Questions

What is the difference between PayXL and GoCardless?
They share 5 payment methods and 2 regions. PayXL adds Affirm, Afterpay, Bitcoin and 17 more that GoCardless does not list; GoCardless adds Bacs, Direct Debit that PayXL does not list; PayXL also covers Africa, Asia and 5 more; GoCardless also covers Oceania.
Which is cheaper, PayXL or GoCardless?
PayXL has custom pricing quoted on engagement; GoCardless has published rates from 1%–1.4% + £0.2. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use PayXL and GoCardless?
PayXL lists 9 regions and 25 payment methods; GoCardless lists 3 and 7. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayXL and GoCardless compare on integration and settlement?
GoCardless offers a sandbox, PayXL does not list one; GoCardless supports webhooks; PayXL settles in Same day, GoCardless in 2–5 business days.

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