GoCardless

About GoCardless GoCardless is a London-based fintech that enables businesses to collect recurring and one-off payments directly from customer bank accounts via Direct Debit and open banking rails across 30+ countries.

The platform connects to eight major debit networks including Bacs, SEPA, ACH, BECS, PAD, Autogiro, and Betalingsservice, allowing merchants to automate subscription billing, invoice collection, and instalment payments from a single integration.

GoCardless processes over $130 billion in annual transactions for 100,000+ businesses, from startups to enterprises like TripAdvisor, DocuSign, and Klarna, using real mid-market exchange rates powered by Wise for cross-border settlements.

Its proprietary Success+ engine uses machine learning to intelligently retry failed payments, recovering up to 70% of failures automatically, while Protect+ detects and blocks fraudulent payers before they enter the payment cycle.

Merchants manage mandates, payouts, and reconciliation through a unified dashboard or RESTful API with 350+ pre-built integrations to accounting platforms like Xero, QuickBooks, and Zuora.

Founded in 2011 by Oxford University graduates and backed by Permira and BlackRock, GoCardless is being acquired by Dutch payments firm Mollie in a deal expected to close by mid-2026.

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