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GoCardless Ltd Unclaimed

Payment Services

gocardless.com

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-page

PayTo

Instantly collect one-off and recurring bank payments with PayTo, reducing costs and eliminating fraud.

gocardless.com/en-au/solutions/payto

GoCardless API

Simplify payment collections globally with GoCardless API integration.

gocardless.com/en-us/developers

Market segments

Market size by segment

Growth potential (CAGR)

Payments API and developer experience

0.2 Billion USD12% CAGR

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

8 Billion USD12.5% CAGR

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

8.48 Billion USD17.2% CAGR

Recurring billing, subscription lifecycle and plan management, digital invoicing, and related payment flows for subscription and invoicing business models.

Real-time and bank transfers

47.06 Billion USD34.3% CAGR

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 Collection
    Automatically manage payment failures by intelligently scheduling retries to improve cash flow.
  • Safeguarded Transactions
    Trust in a secure payment system that protects both your business and customers with high standards of compliance.
  • Seamless Connectivity
    Connect GoCardless with popular billing software and CRMs effortlessly to streamline payment processing.
  • Global Payment Reach
    Gather payments from customers across multiple jurisdictions effortlessly, enhancing your market reach.
  • Streamlined Billing Process
    Simplify the process of collecting subscription fees and regular payments, enhancing customer retention.
  • Build Custom Integrations
    Easily incorporate GoCardless into your existing workflow with our comprehensive API, allowing for flexible and tailored payment solutions.
  • Automated Payment Collection
    Gather payments directly via secure invoicing, reducing manual tracking and follow-ups.
  • Flexible Payment Options
    Enable customers to manage their payments better by breaking costs into manageable instalments, increasing conversion rates.
  • Customize Checkout Experience
    Design payment pages that reflect your brand, providing a seamless look and feel for your customers.
  • Immediate Payment Capability
    Effectively 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 Instantly
    Features real-time processing of payments directly from customers’ bank accounts.
  • Reduce Fraud Risks
    The PayID verification process minimizes fraud by confirming customer identity before payments.
  • Get Immediate Updates
    Users receive instant notification upon successful payment processing to manage cash flow effectively.
  • Automate Recurring Payments
    Set up subscription models easily with direct bank payments recurring seamlessly.
  • Integrate Seamlessly
    Easily connect PayTo with existing systems via a customizable API for better management.
  • Set Up Payments Quickly
    Allows customers to initiate payments easily through familiar PayID processes.
  • Connect with Major Platforms
    Compatible with various CRM and billing solutions for optimal functionality.
  • Integrate Smoothly
    Easily incorporate PayTo into existing business systems to enhance efficiency.
  • Migrate Effortlessly
    Facilitates 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 Transactions
    Easily collect payments from various countries using one integration.
  • Ensures Scalable Solutions
    Built to accommodate future growth with seamless integration capabilities.
  • Streamlines Payment Processes
    Simplifies the overall payment collection process for developers.
  • Enhances Customer Experience
    Provides localized experiences in payment transactions.
  • Supports Multiple Programming Languages
    Easily integrate with your tech stack, regardless of the programming language.
  • Enables Instant Notifications
    Keeps you informed of payment events and statuses in real time.
  • Safe Development Environment
    Develop 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.

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.

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).

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.

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