Checkout.com vs GoCardless: Which Payment Gateways Is Better in 2026?
Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction — side by side, with no marketing spin.
The Short Answer
Checkout.com vs GoCardless, in 15 seconds
Choose Checkout.com if…
- You depend on a broad integration ecosystem
- You have strict security & compliance needs
Choose GoCardless if…
- You need the broader feature set
Head-to-Head Scorecard
How Checkout.com and GoCardless score
Checkout.com leads on 3 of 9 measured dimensions.
- Even
Customer Rating
Average score from verified user reviews
Checkout.comNo reviewsGoCardlessNo reviews - Even
Review Volume
Number of verified reviews — a proxy for adoption
Checkout.com0GoCardless0 - Even
Entry Pricing
Lowest published starting price (free plan = lowest)
Checkout.comCustomGoCardlessCustom - Even
Free Access
Availability of a free plan and/or free trial
Checkout.comPaid onlyGoCardlessPaid only - Checkout.com
Integrations
Number of listed third-party integrations
Checkout.com7GoCardless6 - GoCardless
Features
Number of listed product capabilities
Checkout.com0GoCardless6 - Even
AI Features
Capabilities mentioning AI, automation or ML
Checkout.com—GoCardless— - Checkout.com
Security & Compliance
Number of listed compliance certifications
Checkout.com4GoCardless3 - Checkout.com
Platforms & Deployment
Supported platforms and deployment options
Checkout.com5GoCardless4
Feature Comparison
Checkout.com vs GoCardless feature breakdown
Search or filter the full feature matrix — core features, AI, integrations, APIs, security and compliance.
Checkout.com
GoCardlessPricing Comparison
Checkout.com vs GoCardless pricing
Entry pricing, plan tiers and the cost factors that shape total cost of ownership.
Checkout.com
Custom to start- Payouts
- Fraud tools
- Alternative payment methods
- Global acquiring
- Direct network connections
- Data insights
- Full API access
- Optimization
GoCardless
Custom to start- 1% + £0.20 domestic (cap £4)
- No monthly fee
- Direct debit
- Recurring billing
- 1.25% + £0.20 domestic
- Success+ recovery
- Custom payment pages
- Add-on features
- 1.4% + £0.20 domestic
- Advanced controls
- Priority support
- Add-on features
Total cost of ownership factors
Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.
Pros & Cons
Checkout.com vs GoCardless: strengths and trade-offs
Checkout.com
Pros
- Broad integration ecosystem (7)
- Compliance: PCI DSS, SOC 2, GDPR
- Public API available
Cons
- No free plan
- No free trial
- Pricing is quote-based (less transparent)
GoCardless
Pros
- Compliance: PCI DSS, GDPR, ISO 27001
- Public API available
Cons
- No free plan
- No free trial
- Pricing is quote-based (less transparent)
- Fewer native integrations than the alternative
Buyer Fit
Who should use Checkout.com vs GoCardless?
Startups
Either
Either keeps early-stage costs lowest with its entry tier.
Small businesses
Either
Either offers the most accessible pricing for lean teams.
Agencies
Checkout.com
Checkout.com connects to more tools for multi-client workflows.
Enterprises
Checkout.com
Checkout.com leads on compliance and breadth for complex needs.
Ecommerce
Checkout.com
Checkout.com integrates with more of the commerce stack.
SaaS companies
GoCardless
GoCardless is the more developer- and automation-friendly choice.
Integration overlap
Shared integrations (2)
Only in Checkout.com (5)
Only in GoCardless (4)
Keep Exploring
Other alternatives worth considering
Similar payment gateways products buyers compare alongside Checkout.com and GoCardless.
Ask SIA which solution fits your business
SIA, Saaskart's AI buying assistant, weighs Checkout.com and GoCardless against your team size, budget, integrations and compliance needs — then recommends the right fit and the questions to ask each vendor.
Get a personalised recommendationCheckout.com vs GoCardless — Frequently Asked Questions
What is the difference between Checkout.com and GoCardless?
Checkout.com and GoCardless are both Payment Gateways solutions. Checkout.com is rated 0.0/5 by 0 users, while GoCardless is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.
Which is better, Checkout.com or GoCardless?
Based on user ratings, Checkout.com scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.
Which is cheaper, Checkout.com or GoCardless?
Both products have custom pricing. We recommend contacting both vendors for a quote tailored to your team size.
Does Checkout.com or GoCardless have a free plan?
Neither Checkout.com nor GoCardless currently offers a free plan, but both offer paid plans with various tiers.
Can I switch from Checkout.com to GoCardless?
Switching between Checkout.com and GoCardless is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.
Who should use Checkout.com vs GoCardless?
Checkout.com is best suited for teams that prioritise enterprise features. GoCardless works well for teams needing advanced capabilities.
Our Verdict
The bottom line on Checkout.com vs GoCardless
Best Overall
Either
It's a tie balances user satisfaction and proven adoption.
Best for Startups
Either
It's a tie has the friendliest entry point for new teams.
Best for Enterprise
Checkout.com
Checkout.com leads on compliance and feature breadth.
Best Value
Either
It's a tie delivers the lowest cost to get started.
Best AI Features
Either
Comparable AI capabilities on both sides.
Highest Rated
Either
Both earn equal user ratings.