GoCardless fees & pricing
GoCardless Ltd. · Per-method pricing · best for recurring bill and subscription collection via bank debit
GoCardless uses per-method pricing pricing. Its headline rate is 1.00% + $0.25, which works out to about 1.50% effective on a $50.00 sale. International / cross-border: Higher rate for international bank debits; FX margin applies. Chargeback fee: Indemnity claim handling; small fee per failed payment. Monthly fee: $0 standard; Plus/Pro plans add features. GoCardless specializes in bank debit (ACH, SEPA, Bacs, etc.), not cards. Standard pricing is about 1% + $0.25 per transaction (capped) for domestic bank debit — far cheaper than card rates for recurring billing — plus higher rates and FX for international. Not a card acquirer.
Source: GoCardless Ltd. pricing. Data as of June 2026.
Note: These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
GoCardless fee structure
| Pricing model | Per-method pricing |
|---|---|
| Headline rate | 1.00% + $0.25 |
| Monthly fee | $0 standard; Plus/Pro plans add features |
| International / cross-border | Higher rate for international bank debits; FX margin applies |
| Chargeback fee | Indemnity claim handling; small fee per failed payment |
| Payout speed | Settlement after the debit clears (a few business days) |
| Best for | recurring bill and subscription collection via bank debit |
Source: GoCardless Ltd. pricing. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What you pay per transaction
| Transaction size | Rate applied | Fee charged | Effective rate |
|---|---|---|---|
| $10.00 | 1.00% + $0.25 | $0.35 | 3.50% |
| $50.00 | 1.00% + $0.25 | $0.75 | 1.50% |
| $200.00 | 1.00% + $0.25 | $2.25 | 1.13% |
Source: GoCardless Ltd. pricing page. Data as of June 2026.
Cost pros & cons
Where GoCardless saves money
- Bank debit is far cheaper than cards for recurring
- Capped fees on large transactions
- Good for subscriptions/invoices
Watch-outs
- Bank debit only — no card acceptance
- Slower settlement than cards
- Coverage varies by country/scheme
Frequently asked questions
What are GoCardless's payment-processing fees?
GoCardless charges 1.00% + $0.25 on card payments. For a $50.00 transaction that works out to roughly 1.50% effective. There is no monthly fee on the standard plan. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
Does GoCardless charge a monthly or setup fee?
$0 standard; Plus/Pro plans add features.
How much does GoCardless charge for international cards and chargebacks?
International / cross-border: Higher rate for international bank debits; FX margin applies. Chargeback / dispute fee: Indemnity claim handling; small fee per failed payment. International cards and disputes can dominate the effective rate for global merchants.
Is GoCardless good for my business?
GoCardless is best for recurring bill and subscription collection via bank debit. Bank debit is far cheaper than cards for recurring. Watch out: bank debit only — no card acceptance. Model your real volume and ticket size in our calculator before deciding. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
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Source & accuracy
Figures are a dated snapshot from GoCardless Ltd.'s pricing page (as of June 2026). Payment fees change without notice and vary by region, risk and contract — verify on the vendor's page before signing. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign. See our methodology and disclaimer.
Last updated: 2026-06-29