GoCardless alternatives: 12 tools compared (October 2026)

Adfin is a receivables and payments platform for small businesses and accounting firms in the UK. It syncs invoices from Xero or QuickBooks, collects payment by card, bank transfer or direct debit and uses AI to chase unpaid invoices.

Key functions

• Autopilot adapts the business's own chasing templates to each customer and sends reminders automatically
• Optimised Reminders choose timing, channel and cadence of reminders based on past payment behavior
• Cash MOT Report uses AI to analyze debtor days and the share of late payments and suggests improvements

Compared with GoCardless

• Has a free plan; GoCardless does not.
• Can store data in the EU; GoCardless states no EU option.
• Strong in the same markets as GoCardless: United Kingdom.

Check before buying: Adfin is built for UK businesses and charges in pounds, so companies elsewhere should confirm that their currency and payment methods are supported. Check how the two-way sync with Xero or QuickBooks handles invoice and contact data. The website mentions hosting in Europe but names no provider, certificate or data processing agreement as of September 2026, so request these and the subprocessor list before connecting customer data.

Palm is an AI layer for corporate treasury teams that sits on top of existing treasury and ERP systems. It builds cash forecasts from bank and ERP data, categorizes transactions and shows liquidity by entity, currency and region.

Key functions

• Generates cash forecasts automatically from ERP and bank data using more than 25 AI models
• Categorizes bank transactions with machine learning to reduce manual reconciliation
• Shows liquidity by entity, currency, region or pool and flags when thresholds approach

Compared with GoCardless

• Can store data in the EU; GoCardless states no EU option.
• Built for larger organizations than GoCardless's smallest customers.
• Strong in the same markets as GoCardless: United Kingdom.

Check before buying: Palm needs access to bank data and ERP ledgers, so clarify which banks and ERPs your group uses and how data is retrieved. The privacy policy covers personal data in the EU and EEA, but the GCP region for customer data is not stated, so ask for it along with the subprocessor list. Pricing is only available after a demo.

Bottomline is a US provider of payments, cash management and fraud prevention software. Its Global Cash Management Hub gives treasury teams a connected view of bank accounts and uses AI for cash forecasting, fraud alerts and a conversational agent called Bea.

Key functions

• AI agent Bea shows data on request in plain language, such as bank accounts with negative balances
• AI predicts cash balances and incoming invoice payment dates to improve cash forecasts
• AI alerts flag unusual payment amounts or initiation times as possible fraud (with Payments Hub)

Compared with GoCardless

• Built for larger organizations than GoCardless's smallest customers.
• Strong in the same markets as GoCardless: United Kingdom.

Check before buying: Ask which modules your contract covers, since fraud alerts depend on the Payments Hub. Prices, hosting regions and certifications for the cash management product were not published on the pages we checked in September 2026, so request the SOC 2 report, hosting details and data processing terms. Confirm connectivity for your banks and ERP, approval rules for dual control and how Bea handles access rights by role.

FCA-regulated finance automation platform from London covering treasury, accounts payable and payroll runs.

Key functions

• An AI Treasury Manager agent handles cash management, and AI extracts and codes data from incoming invoices.

Compared with GoCardless

• Strong in the same markets as GoCardless: United Kingdom.

Lunos is an accounts receivable platform built around AI agents. It handles collections outreach, invoice disputes, cash application questions and contact research for B2B companies, from small teams on QuickBooks or Xero to enterprises with several entities.

Key functions

• The Collections Agent emails and calls customers with overdue invoices and records promises to pay
• The Dispute Management Agent answers invoice queries and creates promises to pay once a dispute is resolved
• A cash application agent requests missing remittance details and flags payments sent to the wrong account

Compared with GoCardless

• Strongest elsewhere: United States.

Check before buying: Data is processed in the United States, and Lunos relies on the EU-U.S. Data Privacy Framework and standard contractual clauses for transfers, so European buyers should request a data processing agreement. The agents write to your customers in your name, so agree on tone, approval rules and escalation. SSO is limited to the Enterprise plan, and ERP connectors differ by plan.

Tidely is liquidity planning software from Munich for small businesses, startups and midsize companies that connects more than 5,000 banks and accounting systems, categorizes transactions with AI and produces an AI-based cash flow forecast.

Key functions

• AI categorization assigns bank transactions based on historical patterns
• Auto Forecast creates an AI-generated liquidity forecast

Compared with GoCardless

• Offers a free trial; we found none for GoCardless.
• Can store data in the EU; GoCardless states no EU option.
• Different pricing model: flat fee instead of usage-based.

Check before buying: Count the bank accounts, users and companies you need, since each plan has limits and extra accounts cost 20 euros per month with monthly billing. If your bookkeeping runs in DATEV, budget for the DATEV connector and align access with your tax advisor. Single sign-on is listed only for Enterprise. The data processing agreement with its sub-processor annex is published as a PDF on the website.

Agicap is treasury software from Lyon for midsize companies that combines multi-bank cash visibility, rolling cash flow forecasts, payments and receivables, and uses an AI assistant to categorize transactions and explain forecast variances.

Key functions

• AI categorizes transactions and reconciles bank journal entries automatically
• AI explains variances between actuals and forecast
• AI detects fraud, fake documents and duplicate payments in real time

Compared with GoCardless

• Offers a free trial; we found none for GoCardless.
• Can store data in the EU; GoCardless states no EU option.
• Strongest elsewhere: France.

Check before buying: Ask for a quote that shows which modules are included, since Agicap prices individually. Check the bank connections for your banks, the DATEV or ERP integration, and payment approval rules for dual control. Request the data processing agreement and sub-processor list from the trust center, and clarify whether the AI assistant is part of your package.

Aspire is a Singapore-based business account and spend platform for startups and SMEs, with regional sites for Singapore, Hong Kong, Australia, the United States, the United Kingdom, the Netherlands, Canada and China. It combines multi-currency accounts, corporate cards, expense and payables management, and uses AI for receipt capture, categorization and fraud detection.

Key functions

• AI extracts data from invoices and receipts with OCR and matches receipts to card payments
• Categorizes spending automatically and sends reminders for missing receipts
• Detects irregular activity or fraud and freezes the affected card automatically

Compared with GoCardless

• Has a free plan; GoCardless does not.
• Names 3 security certificates, GoCardless 1.
• Different pricing model: freemium instead of usage-based.

Check before buying: Aspire is a regulated payments provider as well as software, so review which entity holds your funds in each country and which services partners provide. In Singapore it operates under temporary exemptions from the Monetary Authority of Singapore. No hosting region or public data processing agreement was published in September 2026. Ask about fees for FX and transfers, integrations with your accounting software, and how PDPA rules in Singapore apply to employee data.