# GoCardless — Payment Provider

Global bank payment network specializing in recurring direct debit payments across 40+ countries. Supports SEPA, BACS, ACH, and local bank debit schemes with automated failure recovery and fraud protection add-ons.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Recurring payments
- **Fees:** 1%–1.4% + £0.2
- **Fee range:** 1%–1.4%
- **Fee model:** flat-rate
- **Headquarters:** London, United Kingdom
- **Founded:** 2011
- **Settlement time:** 2–5 business days
- **Sandbox:** yes
- **Webhooks:** yes
- **Categories:** traditional
- **Regions:** europe, north-america, oceania
- **Countries served:** 37 (AT, AU, BE, BG, CA, CH, CY, CZ, DE, DK, EE, ES, …)
- **Payment methods:** ach, bacs, bank_transfer, direct_debit, faster_payments, sepa, sepa_direct_debit
- **Features:** instant-payout, low-fees, recurring-payments
- **Platforms:** mobile, online
- **SDKs:** dotnet, go, java, javascript, node, php, python, rest-api, ruby
- **API docs:** https://developer.gocardless.com

## Legal & compliance

Regulated in: France, United Kingdom, United States. Map: https://paymentproviders.io/license-map?provider=gocardless

Legal entities:
- GOCARDLESS LTD — Australia — licenses: License, AU, ASIC
- GoCardless Inc. — United States — licenses: Money Transmitter, US, FinCEN
- GoCardless SAS — France — LEI 9695005IAUAJMRN0YW40 — licenses: Payment Institution, FR, ACPR
- Gocardless Ltd — United Kingdom — LEI 25490076D2BHGL7IT794 — licenses: Payment Institution, GB, FCA

4 license numbers and 4 register records (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/gocardless#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=gocardless&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/gocardless

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)