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Stripe vs GoCardless Comparison (2026)

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Stripe

GoCardless

Overview

Stripe is a 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 Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

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.

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

view more detailsview details

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

view more detailsview details

Video & Screenshots

No videos yet

Pricing

Starting from

No pricing info

Free trial available
Credit cardless trial
Free account
Subscription based

Starting from

No pricing info

Free trial available
Credit cardless trial
Free account
Subscription based

User reviews

4.6

3.3K

2.4K

655

121

Value for money

Ease of use

Features

Customer support

81%

would recommend this app

4.0

Value for money

Ease of use

Features

Customer support

71%

would recommend this app

Pros

“Stripe really stands out for making complex payment processing feel intuitive, with clean APIs, excellent documentation, and a structure that allows you to scale from a simple checkout to a fully customized payment ecosystem.”

Marc R.

Talent

“Having our invoicing and accounts receivable in a single dashboard was helpful to a team that spans several time zones and has lots of moving pieces with various clients needing different billing cycles.”

Kaleb V.

Founder and Managing Member

“I also appreciate Stripe’s strong security features and global capabilities, which give customers confidence when making purchases and allow businesses to scale internationally with ease.”

Gary A.

Founder CEO

Pros

“A sandbox environment is available, but it's not possible to fast forward through time to test payments as they progress from submission to payout.”

Edward K.

App Integration Specialist

“My favourite feature about GoCardless is the easy way you can collect and process payments.”

Emma B.

Financial Controller

“Our experience with it is going well so far, it seems to work well with imis and it tracks the information without any glitches, so at the moment we have no complaints.”

Tamara R.

IT and AMS Assistant

Cons

“We are a small, privately owned veterinary hospital that has spent years serving our community and caring for people's pets. Despite operating a legitimate business with documented transactions, Stripe suddenly withheld and removed nearly $7,000 from our account, placing a significant financial burden on our practice.”

Jennifer J.

Practice Manager

“In rare instances, we have faced issues while syncing the transaction data with our ERP software and that may lead to some time delay in payments being reconciled on our site.”

Eric P.

ERP Supervisor

“I worked with them for hours to set up a test transaction on one of the checkout pages that I set up before I clicked the setting to receive notifications. But if I had made a sale and didn’t receive a notification I would have had one very angry customer AND THAT CUSTOMER WOULD HAVE BLAME ME FOR NEGLECTING THEM AND I WOULD HAVE GOTTEN A HORRIBLE REVIEW FOR BEING NEGLECTFUL AND SEVERELY UNPROFESSIONAL..”

Curtis D.

Artist Painter

Cons

They demanded excessive documents no other U.S. bank or processor required, cited UK and Canadian rules instead of U.S. law, made me get an attorney letter just to approve my account, and then deactivated me two weeks later with no explanation other than “security reasons.”

Jim M.

Owner

“Although the company has good scalability options, sometimes it doesn’t work properly with high load of payments. Although it is very rare.”

Smit P.

Business Analyst

“They allow you accept payments from customers, and THEN they suspend your account.”

Dustin S.

CEO