Online Payment Processing Solution | GoCardless
Depends
Confidence: Medium
Buy it if you collect recurring or invoice payments by bank debit and want to dodge card fees.
Comparison
Online Payment Processing Solution | GoCardless vs PayPal
Online Payment Processing Solution | GoCardless and PayPal both land on Depends.
PayPal
Depends
Confidence: High
Good free pick for US friends-and-family payments and online buyer protection.
| Compare | Online Payment Processing Solution | GoCardless | PayPal |
|---|---|---|
| Verdict | Depends | Depends |
| Best for | Recurring subscription billing | US friends & family payments |
| Who it's not for | E-commerce needing card checkout . bank-to-bank only | High-volume merchants . Stripe/Square beat its fees |
| Privacy | No known public vulnerabilities found in the sources reviewed.⁵ | Encryption and buyer protection are real, but a confirmed breach and account-freeze complaints weigh heavily. |
| Support quality | 24/7 support claimed; unverified independently | Freeze complaints; 'zero customer back-up' |
| Public sentiment | Independent reviewers praise the low capped fees but stress it accepts no cards . bank debit only.⁶ | App Store users love it, but WalletHub and Trustpilot reviewers cite freezes, blocked payments, and weak support.12 |
| Biggest gotcha | Mollie acquisition may change pricing or integrations . verify before committing long-term⁷ | Users report sudden freezes holding funds after 'suspicious' flags |
Pick Online Payment Processing Solution | GoCardless when
- Recurring subscription billing
- B2B invoice collection
- Avoiding card fees
- UK/EU/CA/AU businesses
When Online Payment Processing Solution | GoCardless is not a fit
- E-commerce needing card checkout . bank-to-bank only
- In-person sellers . no card reader, period
- Anyone relying on card chargebacks or dispute protection
- Guess: US-only merchants; debit rails are strongest in UK/EU
Pick PayPal when
- US friends & family payments
- Online shoppers wanting buyer protection
- Casual sellers invoicing occasionally
- Beginner savers via FDIC-insured PayPal Savings
When PayPal is not a fit
- High-volume merchants . Stripe/Square beat its fees
- International senders . Wise is far cheaper
- Anyone using it as a primary bank
- Sellers who can't risk sudden account freezes
Sources
- Online Payment Processing Solution | GoCardlessgocardless.comofficial
official
- GoCardless en-AU . 100,000+ businessesgocardless.comofficial
- GoCardless pricing . no monthly contractgocardless.comofficial
- GoCardless product security pagegocardless.comsecurity
- GoCardless Review 2026: Direct Debit, No Card Readerbusinessexpert.co.ukreview
- How GoCardless works . Mollie acquisitionsupport.gocardless.comnews
review
review
review
- Send Money Online | PayPal USpaypal.comofficial
- PayPal . App Store Ratings & Reviewsapps.apple.comreview
- PayPal Reviews: 214 User Ratings . WalletHubwallethub.comreview
review
- PayPal review . Wisewise.comreview
- PayPal Fees: 2026 Pricing and Calculator . NerdWalletnerdwallet.comreview