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GoCardless vs Kredivo: Which Fintech & Payments Is Better in 2026?

Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction — side by side, with no marketing spin.

GoCardless
GoCardless
Rating
—
Reviews
0
From
Custom

in Fintech & Payments

Kredivo
Kredivo
Rating
—
Reviews
0
From
Custom

in Fintech & Payments

Jump to scorecard Ask SIA

The Short Answer

GoCardless vs Kredivo, in 15 seconds

Choose GoCardless if…

  • You have strict security & compliance needs

Choose Kredivo if…

  • You prefer Kredivo's approach and ecosystem

Head-to-Head Scorecard

How GoCardless and Kredivo score

It's evenly matched — each leads on 1 of 9 measured dimensions.

  • Customer Rating

    Average score from verified user reviews

    Even
    GoCardless
    No reviews
    Kredivo
    No reviews

  • Review Volume

    Number of verified reviews — a proxy for adoption

    Even
    GoCardless
    0
    Kredivo
    0

  • Entry Pricing

    Lowest published starting price (free plan = lowest)

    Even
    GoCardless
    Custom
    Kredivo
    Custom

  • Free Access

    Availability of a free plan and/or free trial

    Even
    GoCardless
    Paid only
    Kredivo
    Paid only

  • Integrations

    Number of listed third-party integrations

    Even
    GoCardless
    6
    Kredivo
    6

  • Features

    Number of listed product capabilities

    Even
    GoCardless
    6
    Kredivo
    6

  • AI Features

    Capabilities mentioning AI, automation or ML

    Even
    GoCardless
    —
    Kredivo
    —

  • Security & Compliance

    Number of listed compliance certifications

    GoCardless
    GoCardless
    3
    Kredivo
    2

  • Platforms & Deployment

    Supported platforms and deployment options

    Kredivo
    GoCardless
    4
    Kredivo
    5

Feature Comparison

GoCardless vs Kredivo feature breakdown

Search or filter the full feature matrix — core features, AI, integrations, APIs, security and compliance.

GoCardless
Kredivo
Overview
User rating
—
—
Pricing model
Custom
Custom
Starting price
Custom
Custom
Free version
Free trial
Features
Key capabilities
Direct debit collectionRecurring billingOne-off bank paymentsOpen banking paymentsFailed-payment recoveryFraud protection
Pay-later checkoutInstallment plansInstant credit decisioningMerchant integrationsConsumer creditData-driven underwriting
AI features
—
—
Integrations & API
Integrations
XeroQuickBooksSalesforceChargebeeZuoraStripe Billing
ShopifyWooCommerceMagentoMarketplacesPOS systemsAPI
Public API
Platforms
Deployment
CloudSaaS
CloudSaaS
Platforms
WebAPI
WebiOSAndroid
Mobile support
Security & Compliance
Compliance
PCI DSSGDPRISO 27001
OJKPCI DSS
Vendor
Company
—
—
Verified
Founded
—
—
Headquarters
—
—

Pricing Comparison

GoCardless vs Kredivo pricing

Entry pricing, plan tiers and the cost factors that shape total cost of ownership.

GoCardless

Custom to start
StandardCustom
  • 1% + £0.20 domestic (cap £4)
  • No monthly fee
  • Direct debit
  • Recurring billing
AdvancedCustom
  • 1.25% + £0.20 domestic
  • Success+ recovery
  • Custom payment pages
  • Add-on features
ProCustom
  • 1.4% + £0.20 domestic
  • Advanced controls
  • Priority support
  • Add-on features

Kredivo

Custom to start
Merchant (Pay Later)Custom
  • Pay-later & installments
  • Instant decisioning
  • Fee per transaction
  • Online & in-store
EnterpriseCustom
  • Higher volume
  • Deeper integration
  • Consumer credit reach
  • Dedicated support

Total cost of ownership factors

Free planGoCardless Kredivo
Free trial to evaluateGoCardless Kredivo
Transparent published pricingGoCardless Kredivo
Public API (build vs. buy add-ons)GoCardless Kredivo

Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.

Pros & Cons

GoCardless vs Kredivo: strengths and trade-offs

GoCardless

Pros

  • Compliance: PCI DSS, GDPR, ISO 27001
  • Public API available

Cons

  • No free plan
  • No free trial
  • Pricing is quote-based (less transparent)

Kredivo

Pros

  • Compliance: OJK, PCI DSS
  • Public API available

Cons

  • No free plan
  • No free trial
  • Pricing is quote-based (less transparent)

Buyer Fit

Who should use GoCardless vs Kredivo?

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

Either

Either connects to more tools for multi-client workflows.

Enterprises

GoCardless

GoCardless leads on compliance and breadth for complex needs.

Ecommerce

Either

Either integrates with more of the commerce stack.

SaaS companies

Either

Either is the more developer- and automation-friendly choice.

Integration overlap

Only in GoCardless (6)

XeroQuickBooksSalesforceChargebeeZuoraStripe Billing

Only in Kredivo (6)

ShopifyWooCommerceMagentoMarketplacesPOS systemsAPI

Keep Exploring

Other alternatives worth considering

Similar fintech & payments products buyers compare alongside GoCardless and Kredivo.

Stripe

Stripe

$0/mo
Tink

Tink

Custom
Chargebee

Chargebee

$0/mo
Xendit

Xendit

Custom
Midtrans

Midtrans

Custom
More GoCardless alternatives →More Kredivo alternatives →

Ask SIA which solution fits your business

SIA, Saaskart's AI buying assistant, weighs GoCardless and Kredivo against your team size, budget, integrations and compliance needs — then recommends the right fit and the questions to ask each vendor.

Get a personalised recommendation

GoCardless vs Kredivo — Frequently Asked Questions

What is the difference between GoCardless and Kredivo?

GoCardless and Kredivo are both Fintech & Payments solutions. GoCardless is rated 0.0/5 by 0 users, while Kredivo is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.

Which is better, GoCardless or Kredivo?

Based on user ratings, GoCardless scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.

Which is cheaper, GoCardless or Kredivo?

Both products have custom pricing. We recommend contacting both vendors for a quote tailored to your team size.

Does GoCardless or Kredivo have a free plan?

Neither GoCardless nor Kredivo currently offers a free plan, but both offer paid plans with various tiers.

Can I switch from GoCardless to Kredivo?

Switching between GoCardless and Kredivo is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.

Who should use GoCardless vs Kredivo?

GoCardless is best suited for teams that prioritise enterprise features. Kredivo works well for teams needing advanced capabilities.

Our Verdict

The bottom line on GoCardless vs Kredivo

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

GoCardless

GoCardless 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.

Ready to decide between GoCardless and Kredivo?

Visit GoCardless Visit Kredivo Ask SIA
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