PayPal vs GoCardless

Venmo

Stripe

Square Point of Sale

Payoneer

Chargebee

MYFUNDBOX

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

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 Point of Sale is a POS solution for Android and iOS devices which includes tools for managing payments, digital receipts, inventory, reports, and more.

Payoneer is a cross-border payments platform available in over 200 countries and 150 currencies, with multiple payout options

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Access Controls/Permissions

Accounting

ACH Payment Processing

Activity Dashboard

Ad hoc Reporting

AI/Machine Learning

Alerts/Notifications

Anomaly Detection

Authentication

Barcode/Ticket Scanning

Billing & Invoicing

Billing Portal

Cash Management

Check Fraud Detection

Compliance Management

Contact Database

Credit Card Processing

Customizable Dashboard

Customizable Invoices

Data Import/Export

Data Management

Data Security

Data Visualization

Debit/Credit Card Processing

Deferred Billing

Digital Wallet Payments

eCommerce Management

Electronic Payments

Electronic Signature

Expense Tracking

Financial Analysis

Financial Management

Financial Reporting

For Banking

For eCommerce

For Food Trucks

For Retail

For Small Businesses

Fraud Detection

In-Person Payments

Internal Fraud Monitoring

Inventory Management

Invoice Creation

Invoice History

Invoice Management

Invoice Processing

Marketing Reports

Mobile Access

Mobile Payments

Monitoring

Multi-Currency

Multi-Location

Multi-Period Recurring Billing

Multiple Payment Options

Online Invoicing

Online Payments

Order Management

Payment Fraud Prevention

Payment Gateway Integration

Payment Links

Payment Options

Payment Processing

Payment Tracking

PCI Compliance

Performance Management

Point of Sale (POS)

Product Catalog

Projections

Promotions Management

Real-time Alerts

Real-Time Data

Real-Time Monitoring

Receipt Management

Recurring Invoicing

Recurring/Subscription Billing

Refund Management

Reminders

Reporting/Analytics

Returns Management

Risk Analysis

Risk Management

Role-Based Permissions

Sales Reports

Sales Tax Management

Scheduled/Automated Reports

Search/Filter

Self Service Portal

Shipping Labels

Shipping Management

Social Media Integration

Status Tracking

Transaction History

Transaction Monitoring

PayPal

Android

Web-based

iPad

iPhone

student

What I like the most about paypal is, it is easy to use in paying and most of all paypal giving a gift reward in every users.

customers service

The Paypal program is very wonderful. The ease in depositing and withdrawing is very distinguished.

Content writer

However, people also get blocked by PayPal without any warning and they can freeze and hold the money from that account that makes annoying things to the user.

Biologist

Also, I do worry about storing my bank account information for a service like PayPal. They might be insured against fraud, but I still worry sometimes that my account information will be stolen.

Administrative Clerk

This becomes a problem when you need money quickly. IPN and PayPal API are unstable, often messing up transactions, especially if they involve limited items and need verification as soon as possible.

assistant

Love the ease of use and the ease of implementation/integration within other websites and platforms to capture payment.

I attempted to get them to refund money from fraudulent suppliers for months to no avail. Several of my associates found the same thing.

Educational Consultant

This has been a great overall experience. I love that PayPal now has started accepting Bitcoin and cryptocurrencies.

Customer Success Manager

Quick and reliable solution for those who need to have the ability to take and send payments in a secure fashion.

Manager

It is as safe and secure as the most popular credit cards, continuously gaining trust of costumers all around the world. It has a fast invoicing service for freelance and business users.

Sr Consultant 

PayPal is a great tool that allows for incoming and outgoing cash exchange in a seamless way. It is easy to idea and very secure.

Victim Advocate 

I love the ease of use, both on the computer and the app on my phone. I love the feeling of security in sending money to friends and making purchases online.

Teacher

On top of all this, I'm pretty satisfied with how it ensures the security and privacy of my accounts and my e-money. I've never been this happy as much as I am with PayPal.

graphic designer

It's a very great solution for sending money to everyone, I used it weekly and I like it so much, I really love it.

Engineeing Intern

Having money in PayPal really helps with the ease of payment at various points during online shopping. I love the easy transition of the gateway with the security.

I love that when you purchase using Paypal, if the item received is either wrong or never delivered, they have a great customer service team that can help resolve it.

Office Administrator 

Satisfactory, customer service is great and helpful, easy for customers and employees. Platform very user friendly.

Marketing Manager

The PayPal API is fantastic and the ease of use trumps any potential downfalls we may have. PayPal has been fantastic and helps keep PII and payment information safe.

PayPal screenshot: PayPal payment options

PayPal screenshot: PayPal payments

PayPal screenshot: PayPal risk dashboard

Freelancers

Large Enterprises

Mid Size Business

Non Profit

Public Administrations

Small Business

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

Customizable Branding

Payment Reconciliation

Project Billing

GoCardless

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.

PayPal vs GoCardless Comparison (2026)

PayPal

GoCardless

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives