GoCardless AI features and pricing (October 2026)

GoCardless is a London-based platform for collecting recurring and one-off payments by direct debit and bank payment, used by finance teams to get paid on time, with machine learning that retries failed payments and screens out risky payers.

GoCardless handles one-off and recurring payment collection, outbound payments and international collection from more than 30 countries. It offers more than 350 integrations with accounting and billing software, an API, customer verification and risk management settings, plus the add-ons Success+ for failed payment recovery and Protect+ for fraud protection.

The company is GoCardless Ltd, headquartered in London and authorized by the UK Financial Conduct Authority as a payment institution. Investors include Balderton Capital and Accel.

• Retries failed payments on the best daySuccess+ uses machine learning models to pick the optimal day to retry a failed payment instead of retrying on a fixed schedule. The vendor states it recovers up to 70 percent of failed payments. Receivables teams chase fewer failed collections by hand and see steadier cash inflows.
• Screens out risky payersProtect+ runs machine learning models trained across the GoCardless network that identify risky payers and route them to verify their details, while genuine payers pass through untouched. Finance loses less money to fraudulent mandates and chargebacks without adding friction for regular customers.
• Learns new fraud patternsThe Protect+ models proactively identify new fraud signals over time rather than relying only on fixed rules. Finance and risk teams maintain fewer manual block lists, and protection adapts as fraud tactics change.

• Publishes per-transaction prices in euros on its German pricing page, with no setup fees.
• Offers machine learning retry and fraud screening as separately billed add-ons, so smaller users can start without them.
• Connects to more than 350 accounting and billing tools, plus its own API.

GoCardless Ltd is headquartered in London and authorized by the UK Financial Conduct Authority as a payment institution.

Model your transaction volume against the percentage fees, caps and international surcharges, and ask for the monthly price of Success+ and Protect+, which the pricing page does not show. Check that your accounting or billing system is among the integrations, how payouts are reconciled, and request the data processing agreement and details on data hosting, which the security page does not name.

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