GoCardless Ltd Unclaimed
London, England, United Kingdom
GoCardless is a global bank payment company enabling businesses to collect both recurring and one-off payments.
GoCardless is a global bank payment company. We help more than 85,000 businesses, from start-ups to household names, collect both recurring and one-off payments, without the chasing, stress or expensive fees. Each year GoCardless processes more than US$35 billion of payments across 30+ countries, and the company has expanded its capabilities through the Nordigen acquisition to provide easier access to bank account data via open banking. The company is headquartered in the United Kingdom, with additional offices around the world.
To build the world’s bank payment network to make payments faster, cheaper, and more secure, and to make bank account data more accessible via open banking.
What we offer
GoCardless Payments
Effortlessly collect recurring and one-off payments worldwide while reducing costs and admin.
gocardless.com/en-us/features/rpp-recurring-payments-pagePayTo
Instantly collect one-off and recurring bank payments with PayTo, reducing costs and eliminating fraud.
gocardless.com/en-au/solutions/paytoGoCardless API
Simplify payment collections globally with GoCardless API integration.
gocardless.com/en-us/developersMarket segments
Market size by segment
Growth potential (CAGR)
Payments API and developer experience
APIs, low-code SDKs and developer tooling that simplify integration, testing, and extensibility for payments features, including lightweight UI libraries and scalable API access.
Bank debit processing
End-to-end processing of bank-to-bank direct debit payments across 30+ countries, including compliance, safeguarding of client funds, localized payment handling and reconciliation.
Recurring billing and subscription management
Recurring billing, subscription lifecycle and plan management, digital invoicing, and related payment flows for subscription and invoicing business models.
Real-time and bank transfers
Instant payment rails and bank-to-bank transfer support that deliver near-instant settlement, high transaction limits, and regional transfer options.
More information about our offering
GoCardless Payments
GoCardless Payments is a platform for collecting bank-to-bank payments worldwide, designed for subscriptions, invoicing, and instalments. It supports recurring payments, one-off invoice payments, and instalments with out-of-the-box checkout options and a single integration that covers 30+ countries. It includes 350+ integrations and supports international payment capabilities. The service emphasizes security and compliance with ISO27001 and GDPR, and offers real-time payment visibility and intelligent payment retries to reduce failures.
- Optimize Payment CollectionAutomatically manage payment failures by intelligently scheduling retries to improve cash flow.
- Safeguarded TransactionsTrust in a secure payment system that protects both your business and customers with high standards of compliance.
- Seamless ConnectivityConnect GoCardless with popular billing software and CRMs effortlessly to streamline payment processing.
- Global Payment ReachGather payments from customers across multiple jurisdictions effortlessly, enhancing your market reach.
- Streamlined Billing ProcessSimplify the process of collecting subscription fees and regular payments, enhancing customer retention.
- Build Custom IntegrationsEasily incorporate GoCardless into your existing workflow with our comprehensive API, allowing for flexible and tailored payment solutions.
- Automated Payment CollectionGather payments directly via secure invoicing, reducing manual tracking and follow-ups.
- Flexible Payment OptionsEnable customers to manage their payments better by breaking costs into manageable instalments, increasing conversion rates.
- Customize Checkout ExperienceDesign payment pages that reflect your brand, providing a seamless look and feel for your customers.
- Immediate Payment CapabilityEffectively manage outgoing payments without delays, optimizing cash flow.
PayTo
PayTo is GoCardless' instant, low-cost bank payment solution for Australia, enabling secure one-off and recurring payments directly from customers' bank accounts. It provides real-time payment confirmation, fraud risk reduction through at-checkout verification, and easy PayID-based setup. PayTo integrates with existing checkout workflows via a simple API and supports migration of legacy direct debit agreements, making it ideal for subscription goods and services.
- Receive Payments InstantlyFeatures real-time processing of payments directly from customers’ bank accounts.
- Reduce Fraud RisksThe PayID verification process minimizes fraud by confirming customer identity before payments.
- Get Immediate UpdatesUsers receive instant notification upon successful payment processing to manage cash flow effectively.
- Automate Recurring PaymentsSet up subscription models easily with direct bank payments recurring seamlessly.
- Integrate SeamlesslyEasily connect PayTo with existing systems via a customizable API for better management.
- Set Up Payments QuicklyAllows customers to initiate payments easily through familiar PayID processes.
- Connect with Major PlatformsCompatible with various CRM and billing solutions for optimal functionality.
- Integrate SmoothlyEasily incorporate PayTo into existing business systems to enhance efficiency.
- Migrate EffortlesslyFacilitates a smooth transition from older direct debit systems to PayTo, ensuring no disruption.
GoCardless API
GoCardless API is the developer platform that lets you collect bank debit payments across 30+ countries from a single integration. It features an API-first approach, sandbox testing, and client libraries for multiple programming languages. It supports end-to-end testing in a free sandbox, real-time reports and alerts via webhooks, and straightforward flows to add customers, collect payments, and view reports. It enables international, localized payments within one integration and easy integration with existing software.
- Facilitates Global TransactionsEasily collect payments from various countries using one integration.
- Ensures Scalable SolutionsBuilt to accommodate future growth with seamless integration capabilities.
- Streamlines Payment ProcessesSimplifies the overall payment collection process for developers.
- Enhances Customer ExperienceProvides localized experiences in payment transactions.
- Supports Multiple Programming LanguagesEasily integrate with your tech stack, regardless of the programming language.
- Enables Instant NotificationsKeeps you informed of payment events and statuses in real time.
- Safe Development EnvironmentDevelop and test integrations without affecting live data.
References
Methodology and sourcing behind the figures shown above.
Payments API and developer experience
Primary published data for the narrower online payment API segment shows a small market (~$200M in 2023) with modest growth (Allied: 5.2% CAGR). Broader API management and monetization reports show much larger markets and higher growth (API management CAGRs reported ~16–22%), indicating strong developer-tooling and API lifecycle investment. Because “Payments API and developer experience” sits between the narrow online-payment-API definition and the larger API-management/tooling category, I use Allied’s explicit 2023 valuation (~$0.2B) as the current-size anchor and adopt a mid‑range CAGR (~12%) reflecting higher growth potential driven by API-management and developer-tooling trends.
- The global online payment API market was valued at $200.0 million in 2023 and is projected to reach $306.5 million by 2032, growing at a CAGR of 5.2%.
- The API Management Market was valued at USD 8.86 billion in 2025 and is estimated to grow from USD 10.32 billion in 2026 to USD 22.11 billion by 2031, at a CAGR of 16.45%.
- The global API management market size was valued at USD 6.89 billion in 2025 and is projected to grow from USD 8.77 billion in 2026 to USD 37.43 billion by 2034, CAGR 21.70%.
Bank debit processing
Estimate based on payment-processing market totals and adjacent segments in the search results. Global payment processing market estimates range ~USD 74B–152B (2025) and debit-card submarkets ~USD 110B; bank transaction/processing systems market ~USD 24.5B (2024). Bank-to-bank direct-debit (ACH/SEPA/instant ACH) is a niche subset (roughly 5–10% of broader payment-processing revenues). Growth potential anchored to observed payment-processing CAGRs (9–16%) and faster expansion in real-time payments (35.5% CAGR to 2030); a mid-point CAGR (≈12.5%) reflects substitution to bank-debit rails, open-banking adoption, and real-time payment rollouts across regions.
- The global payment processing solutions market size was valued at USD 74.24 billion in 2025.
- The global Payment Processing Market size stood at USD 152.01 billion in 2025.
- Projected to grow from USD 103.2 billion in 2023 to USD 160.0 billion by 2028, at a CAGR of 9.2%.
- Debit Card Market Size was estimated at 110.15 USD Billion in 2024.
- Global real-time payment market is expected to grow at a compound annual growth rate of 35.5 percent from 2023 to 2030.
- Projected to grow from USD 24.5 billion in 2024 to USD 45.2 billion by 2033, registering a CAGR of 7.5%.
Recurring billing and subscription management
Primary estimate uses industry report data for the "subscription billing management" segment. Fortune Business Insights lists the market at USD 8.48B in 2025 with a 17.2% CAGR (2026–2034). MarketResearchFuture provides a higher 2024–2025 sizing (~$10.9B / $11.9B) with a lower CAGR (9.03%), and CoherentMarketInsights reports a much larger, broader "subscription and recurring payment" market (~$170.3B in 2026, 7.4% CAGR). I selected the Fortune Business Insights figure as the primary match for the specified segment (recurring billing and subscription management).
- Global subscription billing management market valued at USD 8.48 billion in 2025; projected to USD 9.93 billion in 2026 and CAGR 17.2%.
- 2024 market size $10.91B; 2025 $11.9B; projected $28.25B in 2035, CAGR 9.03%.
- Subscription and recurring payment market estimated at USD 170.27 Bn in 2026; expected USD 280.66 Bn in 2033, CAGR 7.4%.
Real-time and bank transfers
Estimates are based primarily on recent industry reports in the search results. Fortune Business Insights reports a market value of USD 34.16B in 2025 and USD 47.06B in 2026 with a 34.30% CAGR (2026–2034). Other reports (CoherentMarketInsights, ResearchNester) show similar near-term market sizes (~USD 47B in 2026) and high multi‑decade CAGRs (35%–43%), supporting a high-growth outlook for real-time and bank transfer rails. BusinessResearchInsights' international money transfer figures (~USD 49.76B in 2026) provide corroborating scale for cross-border/transfer-related services.
- The global real-time payments market size was valued at USD 34.16 billion in 2025.
- projected to grow from USD 47.06 billion in 2026 to USD 498.99 billion by 2034, exhibiting a CAGR of 34.30%.
- Global Real Time Payments Market is estimated to be valued at USD 47.45 Billion in 2026.
- expected to reach USD 288.50 Billion by 2033, exhibiting a CAGR of 35.1% from 2026 to 2033.
- Real-Time Payments Market size was valued at USD 38.6 billion in 2025.
- Projected by 2035: $628.4 Bn; CAGR 2026-2035: 42.9%.
- The global International Money Transfer Service Market is estimated to be valued at approximately USD 49.76 Billion in 2026.
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