GoCardless vs Square Payments

Venmo

Stripe

PayPal Point of Sale

Clover

Chargebee

MYFUNDBOX

Compare GoCardless and Square Payments based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

Stripe is a comprehensive financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration, supporting over one hundred payment methods across multiple currencies. Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

MYFUNDBOX is a payment orchestration platform designed for subscription businesses. It connects with reliable payment partners and offers features to boost revenue. It manages subscriptions and recurring payments efficiently, ensuring timely payments and flexibility for businesses.

Chargebee is a subscription management and billing platform that automates revenue operations and streamlines the subscription lifecycle. The platform offers no-code capabilities for product and pricing plan implementation. It includes self-service tools to manage churn and simplify payment recovery.

At GoCardless, we believe bank payments are the best way to pay and get paid. Over 100,000 businesses around the world use GoCardless to collect and send account-to-account payments confidently and securely - without the chasing, stress, or hidden fees.

Accounting Integration

Alerts/Notifications

Billing & Invoicing

Customizable Branding

Data Security

Electronic Payments

Invoice Creation

Invoice History

Multi-Currency

Online Invoicing

Online Payments

Payment Gateway Integration

Payment Processing

Payment Reconciliation

Project Billing

Projections

Recurring Invoicing

Recurring/Subscription Billing

Reporting/Analytics

Search/Filter

Status Tracking

Transaction History

GoCardless

Web-based

Accounts Executive

This meant they had to catch up on the payments they missed however this was a very minor problem.

Account Manager

Nice simple interface, cost effective, good integrations, good overview of clients in general. Easy to get clients to sign up.

Director

Warning - DO Not USE GoCardless with Xero. Userless Software,and they block your account immediately.

Offers an amazing, simple API to hook into for electronic transactions via EFT/ACH. Really fast setup and seamless documentation.

 Managing Director

Now we've got it setup it runs nicely on autopilot, customers like it and the fees are cheap - so overall, we're very happy.

Digital Marketing Specialist

And super easy to either add payment requests manually or import them. They are by far the easiest payment solution platform I have come across.

The platform is super easy to use. GoCardless is our main payments gateway and we will be sticking with them.

Office Manager

We have been able to encourage more of our clients to sign up to this payment system as it is easy and straightforward for them to manage. It has lessened the admin for both us and them.

Accountant

It was very easy to set up and integrate with QuickBooks and Xero. It collects payments for us successfully for many years.

Owner

They operate on a European business day, so that makes customer service a pain. Deciding on GoCardless was a huge mistake.

They are the absolute worst. They allow you accept payments from customers, and THEN they suspend your account.

Founder

I love that this software just gets on with the job of dealing with my customer payments and I rarely have to get involved.

The big benefit is that it just deals with all the payments behind the scenes and saves me so much time.

Owner/President

They should NEVER be able to access and hold funds BEFORE they've verified our business. I'm still fighting to get the $6000 they have of ours...We're cash flow critical small business.

Owner/Director

Provides easy to set-up and easy to use options for payments from customers, online payments, direct debits and recurring payments. Easy to integrate with finance software.

Managing Director

If you can ignore the banner to put payments in do not add any customers until you are completely verified otherwise you are help to ransom and your money stuck in there account.

We use it on all our communications. Before, people had to download a page, print it off, sign it, and scan or post it back... this is all online, its quick and its easy for customers to sign up.

Founder and Director

It has been very up and down. The customer support team are genuinely helpful but it is limitations in the product offering that let them down.

GoCardless screenshot: Partner Integrations

GoCardless screenshot: Customer Stories

Freelancers

Large Enterprises

Mid Size Business

Non Profit

Public Administrations

Small Business

Clover is an all-in-one platform designed to help on and offline retailers, quick service restaurants, and other service businesses manage their point-of-sale operations, with secure payment solutions and reliable business management features

The PayPal Here app is a mobile point of sale (POS) software designed to help businesses securely process debit or credit card payments and generate invoices. The application enables retailers and manufacturers to create and organize product lists and add details including photos and descriptions.

Venmo is a digital wallet and payment gateway that allows customers to send money and make purchases via mobile device, and share activity via the purchase feed

Square Payments is an online payment processing solution which integrates with Square hardware & POS software to allow businesses to accept payments

ACH Payment Processing

Activity Dashboard

Cash Management

Compliance Management

Contactless NFC

Credit Card Processing

Cryptocurrency Processing

Customer Database

Debit/Credit Card Processing

Electronic Signature

Fraud Detection

Gift Card Management

In-Person Payments

Invoice Management

Mobile Access

Mobile Card Reader

Mobile Payments

Multiple Payment Options

Offline Access

Partial Payments

Payment Fraud Prevention

Payment Links

PCI Compliance

Point of Sale (POS)

Receipt Management

Reminders

Reporting & Statistics

Sales Reports

SSL Security

Third-Party Integrations

Square Payments

Android

iPad

iPhone

eCommerce

I like that it is straight forward and easy to use, plus they offer additional products like financing and capital advances that are useful for growing businesses.

Reservation sales representative

I love the simplicity of the software. I love being able to accept credit card or debit card payments directly on my phone with the small noninvasive  card reader that i attach to my phone.

I do not think I have have anything I do not like about square payments. I guess if you put in the wrong email that can be annoying but that more user error.

Manager

I love this software, our employees love it too because it gives them better tips at the end of the day.

Simple reporting is my favorite feature, especially compared to other platforms. Helping my clients with meaningful reporting without having to modify the data is super convenient.

Student 

I love the ease of use this product provides. I feel it is especially beneficial for small businesses and often see the product used at places like farmers markets which I love to support.

Outreach Worker

I love how with the ease of just hooking as an adapter up to my phone I am able to accept payments. It's fast and easy to use.

Owner/ Founder

We love the  user experience so clean and easy to use. We also love the accessibility to use on different devices.

Video and Motion Graphics Designer

People love how popular this is because it recognizes them and saves their preferences.

We do not use this software very frequently, but when we do it is super easy to pick back up and use even after not using it for a while. Very user friendly and convenient.

Great - love their customer service, they quickly send out new square devices and have always felt the transactions are safe and protected.

Owner 

I had to walk around & often ended up some distance away from the customer. It was awkward because I had to have their card with me & this probably made the customer feel uneasy.

PTO secretary 

Our school has had great luck using Square and it has helped overall with our fundraising and money intake.

Owner/operator 

It also bothered me that they charge more to type in the card numbers when you’re unable to swipe the card in person.

Behavioral Analyst

There are none that impede function. Maybe sometimes it won't read cards and that is inconvenient when you're trying to move a lot of customers.

LMT Owner

I've been using Square since 2011 and I can't talk about how important it's been to my business enough. Great small investment for a huge return.

This product is easy to use and integrate into you website or appointment bookings and great for collecting fees from clients.

GoCardless vs Square Payments Comparison (2026)

GoCardless

Square Payments

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives