GoCardless

Bank payments for recurring and one-off transactions

UKGermanyFranceSpainSwedenDenmarkNetherlandsBelgium+4 markets

Payment initiationAccount verificationAccount dataFCA regulated

Overview

GoCardless is a global bank payment network known for direct debit and now integrating open banking data (via Nordigen acquisition) for account verification and financial data. Ideal for subscription businesses and recurring payment use cases.

Key features

Payment initiation

Account-to-account payments and checkout flows where banks expose PIS coverage.

Account data (AIS)

Aggregated balances and transactions for underwriting, PFM, and reconciliation.

Account verification

Bank-based checks for onboarding, name matching, and ownership validation.

PSD2-aligned connectivity

Structured around regulated access where applicable in EU markets.

Sandbox environment

Test flows before production traffic with provider tooling.

API-first integration

REST-style APIs and documentation aimed at product and engineering teams.

Coverage

Markets where this provider commonly supports connectivity today (coverage can vary by bank and product).

UK
Germany
France
Spain
Sweden
Denmark
Netherlands
Belgium
Austria
Poland
US
Australia

Who it's best for

Teams prioritising bank-based checkout, payouts, or lower card fees in supported corridors.
Onboarding-heavy products that need verified bank account ownership at scale.
Lending, insurance, or analytics products that rely on transaction and balance history.
Businesses that need credible coverage in mature open banking markets such as the UK or Germany.

Limitations

Bank coverage, SCA behaviour, and latency vary by institution — plan a pilot with your target banks.
Roadmaps change quickly in open banking — validate timelines for the countries on your launch list.