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PayPal vs GoCardless Comparison

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Overview

Category Leaders

PayPal Commerce Platform is a comprehensive solution designed to serve your business needs and your customers, whether you’re...

Get paid on time, every time, with GoCardless. We enable organisations to take recurring payments however and whenever they want to.

  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials
  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials

Video & Screenshots

No videos yet

Pricing

Starting from

0.04

Per month

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

Starting from

0.01

Per month

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

User reviews

5

4

3

2

1

16,185

4,314

845

147

162

  • Value for money
  • Ease of use
  • Features
  • Customer support
97%
would recommend this app

3.9

34

5

4

3

2

1

17

9

1

2

5

  • Value for money
  • Ease of use
  • Features
  • Customer support
75%
would recommend this app

Pros

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

ha

hatem a.

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

ES

Emily S.

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

JM

JOHN M.

Pros

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

LM

Luke M.

I have been using GoCardless for my business since 2012. When we first started using them they were a small start-up and we had remained loyal and supportive of them for over 7 years.

AR

Anonymous Reviewer

Excellent service and product, good pricing and makes accepting direct debits possible for smaller businesses that dont have the need to pay out to do it via other means.

NR

Neil R.

Cons

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.

AR

Anonymous Reviewer

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.

JL

Joseph L.

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.

ES

Eka S.

Cons

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

AR

Anonymous Reviewer

The issue caused us a loss of over £22,0000. We brought the flaw to the attention of GoCardless who admitted the issue but have refused to compensate us or apologise for this serious error.

AR

Anonymous Reviewer

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

Sohrab N.

  • Vendor responds to reviews
  • Last reviewa day ago
  • Vendor responds to reviews
  • Last reviewa month ago

Key features

  • Total features83
  • ACH Payment Processing
  • AI/Machine Learning
  • API
  • Access Controls/Permissions
  • Accounting Integration
  • Ad hoc Reporting
  • Alerts/Notifications
  • Anomaly Detection
  • Barcode / Ticket Scanning
  • Billing & Invoicing
  • Billing Portal
  • Cash Management
  • Check Fraud Detection
  • Compliance Management
  • Contact Database
  • Credit Card Processing
  • Customer Management
  • Customizable Branding
  • Customizable Dashboard
  • Customizable Invoices
  • Dashboard
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Visualization
  • Debit/Credit Card Processing
  • Deferred Billing
  • Electronic Payments
  • Electronic Signature
  • Financial Reporting
  • For B2B
  • For Retail
  • Fraud Detection
  • In-Person Payments
  • Internal Fraud Monitoring
  • Intrusion Detection System
  • Inventory Management
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Marketing Reports
  • Marketplace Integration
  • Mobile Access
  • Mobile Commerce
  • Mobile Payments
  • Monitoring
  • Multi-Currency
  • Multi-Location
  • Multi-Period Recurring Billing
  • Multi-Store
  • Multiple Payment Options
  • Online Invoicing
  • Online Payments
  • Order Management
  • PCI Assessment
  • PCI Compliance
  • Payment Fraud Prevention
  • Payment Options
  • Payment Processing
  • Payment Processing Services Integration
  • Performance Management
  • Point of Sale (POS)
  • Product Catalog
  • Project Billing
  • Promotions Management
  • Real Time Monitoring
  • Real-time Alerts
  • Receipt Management
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Refund Management
  • Reporting/Analytics
  • Restaurant POS
  • Returns Management
  • Risk Analytics
  • Risk Management
  • Role-Based Permissions
  • Sales Reports
  • Sales Tax Management
  • Scheduled / Automated Reports
  • Search/Filter
  • Self Service Portal
  • Shipping Management
  • Shopping Cart
  • Social Media Integration
  • Status Tracking
  • Transaction History
  • Transaction Monitoring
  • eCommerce Management
  • Total features16
  • ACH Payment Processing
  • AI/Machine Learning
  • API
  • Access Controls/Permissions
  • Accounting Integration
  • Ad hoc Reporting
  • Alerts/Notifications
  • Anomaly Detection
  • Barcode / Ticket Scanning
  • Billing & Invoicing
  • Billing Portal
  • Cash Management
  • Check Fraud Detection
  • Compliance Management
  • Contact Database
  • Credit Card Processing
  • Customer Management
  • Customizable Branding
  • Customizable Dashboard
  • Customizable Invoices
  • Dashboard
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Visualization
  • Debit/Credit Card Processing
  • Deferred Billing
  • Electronic Payments
  • Electronic Signature
  • Financial Reporting
  • For B2B
  • For Retail
  • Fraud Detection
  • In-Person Payments
  • Internal Fraud Monitoring
  • Intrusion Detection System
  • Inventory Management
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Marketing Reports
  • Marketplace Integration
  • Mobile Access
  • Mobile Commerce
  • Mobile Payments
  • Monitoring
  • Multi-Currency
  • Multi-Location
  • Multi-Period Recurring Billing
  • Multi-Store
  • Multiple Payment Options
  • Online Invoicing
  • Online Payments
  • Order Management
  • PCI Assessment
  • PCI Compliance
  • Payment Fraud Prevention
  • Payment Options
  • Payment Processing
  • Payment Processing Services Integration
  • Performance Management
  • Point of Sale (POS)
  • Product Catalog
  • Project Billing
  • Promotions Management
  • Real Time Monitoring
  • Real-time Alerts
  • Receipt Management
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Refund Management
  • Reporting/Analytics
  • Restaurant POS
  • Returns Management
  • Risk Analytics
  • Risk Management
  • Role-Based Permissions
  • Sales Reports
  • Sales Tax Management
  • Scheduled / Automated Reports
  • Search/Filter
  • Self Service Portal
  • Shipping Management
  • Shopping Cart
  • Social Media Integration
  • Status Tracking
  • Transaction History
  • Transaction Monitoring
  • eCommerce Management

Integrations

  • Total integrations1026
  • AWeber
  • ActiveCampaign
  • Adobe Commerce
  • Authorize.Net
  • BigCommerce
  • Google Analytics 360
  • HubSpot CRM
  • Instagram
  • Mailchimp
  • Meta for Business
  • PayPal
  • Salesforce Sales Cloud
  • ShipStation
  • Shopify
  • Slack
  • Stripe
  • Twitter
  • WooCommerce
  • WordPress
  • Zapier
  • Total integrations61
  • AWeber
  • ActiveCampaign
  • Adobe Commerce
  • Authorize.Net
  • BigCommerce
  • Google Analytics 360
  • HubSpot CRM
  • Instagram
  • Mailchimp
  • Meta for Business
  • PayPal
  • Salesforce Sales Cloud
  • ShipStation
  • Shopify
  • Slack
  • Stripe
  • Twitter
  • WooCommerce
  • WordPress
  • Zapier

User reviews that mention these apps

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend6/10

Share this review:

PayPal logo

PayPal

Easy to collect payment, but fees will sting you

Reviewed 3 years ago

Paypal has been used with Quickbooks Online and Xero as a method for allowing customers to pay invoices quickly with bank card or PayPal account. It's convenient however the fees can rack up and are alot higher than other solutions, e.g. GoCardless.

Pros

Widely supported with various accounting packages for online on-demand payment collection. Reports available in CSV etc. It's a recognised brand and improves customer trust in paypal platform.

Cons

Reports can be abit confusing to get your head around. When funds are deposited to Paypal from an Invoice etc, the funds just sit in PayPal and are not automatically withdrawn to your account. Fees are quite extortionate.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend5/10

Share this review:

PayPal logo

PayPal

We use it to pay for stuff, but never to receive payments

Reviewed 3 years ago

PayPal is easy to use and accepted in lots of places, although for small businesses it's really not the best payment option and I'd recommend against accepting it because it's so expensive!

Pros

Easy to use and widely accepted, plus can pay with card or direct from bank account which is handy..

Cons

It's so expensive! And there's really no reason for it, other than you're paying for the name I guess. Alternatives like Stripe, GoCardless and SumUp are far better, and the first two integrate with Xero for online/customer-not-present and Direct Debit.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support

Share this review:

GoCardless logo

GoCardless

Although a good product painful to get verified and customer service non existent

Reviewed 4 years ago

none

Pros

Dashboard easy to use good for cash flow and easy of collecting payment. Customer support very dubious seems to be like the original PayPal struggling to keep up

Cons

During verification you are encouraged to accept payments. When it comes to the final hurdle difficult to get hold of anyone. Keep quoting FCA rules but FCA does not support some of there procedures and has said it is not them insisting on accounts being the same legal entity as the application. When support does pick up the phone no one is able to help you have to email and get email responses of 3.5 days which is a joke. 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 .

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

Share this review:

GoCardless logo

GoCardless

An Incredible Payment Solution for UK Businesses

Reviewed 3 years ago

Even with the geo-restrictions, GoCardless' low fees make it an ideal solution for startups.

Pros

GoCardless provides such a clean and simple way to create invoices and take payments. They provide a plethora of options, such a recurring billing, which days to take payment and multiple concurrent payment plans. GoCardless also boast very low fees in comparison to solutions such as PayPal.

Cons

Last I checked, GoCardless does not allow individuals from locations such as the United States to pay, limiting me to take payment from only UK residents.