GoCardless

GoCardless is a payments company founded in 2011 in London, United Kingdom, built to help subscription and invoice-based businesses collect recurring and one-off payments directly from customer bank accounts instead of relying on cards. In 2026 GoCardless completed its combination with Mollie and continues to operate under its own brand as GoCardless, a Mollie company.

The platform connects merchants to bank networks in more than 30 countries through Direct Debit and Pay by Bank rails, with modules such as Success+ for retrying failed payments and Protect+ for fraud screening, plus an API and app marketplace for billing, accounting and CRM systems. Customers span SaaS, energy, e-commerce and charity organizations that need predictable recurring collections.

1. Direct Debit collection: Recurring payments pulled automatically from customer bank accounts across 30+ countries.

2. Pay by Bank: One-off account-to-account payments settled same or next day.

3. Success+: Automatically retries and times failed payments to recover up to 70% of failures.

4. Protect+: Machine-learning fraud screening before a payment is submitted.

5. Open API and integrations: Connects with 350+ accounting, CRM and billing applications.

6. Outbound payments: Sends payouts and refunds through the same bank network.