GoCardless
GoCardless is a UK (outside the EU/EEA) fintech-infrastructure provider (Open banking, Local payment schemes, Payment gateway, Direct debit & recurring collections). Verified at source - licence, regulator and registry reference. Active (Mollie acq. 2026)
Who it's for
GoCardless is built for products using bank-account data or bank-to-bank payments over PSD2 rails. It operates under a payment institution licence. Verified stand-outs: published entry pricing (from 1% + GBP 0.20/tx).
Sovereignty profile
- Data residency (EEA): No - outside the EEA
- Company origin: UK (UK)
What GoCardless does
Capabilities & rails
- 🌐 Local-payments coverage: Regional / pan-European
- Local payment schemes: SEPA Instant, iDEAL, Bancontact
- E-commerce integrations: Shopify, WooCommerce
- Entry price: from 1% + GBP 0.20/tx (as of verification - confirm at source)
Verified licence profile
GoCardless (UK) - FCA-authorised bank-debit / A2A specialist. Being acquired by Mollie (USD 1.1bn, agreed Dec 2025, close mid-2026).
Verified 2026-06-25. How we verify → · Spotted something out of date? Report a correction. · Are you GoCardless? Work with us →
Official register entries
- Payment institution (PI) - Prudential Supervisory and Resolution Authority · Ref 892825670 · Active (EBA PSD2 register, as of 2026-07-18)
- Payment institution (PI) - Prudential Supervisory and Resolution Authority · Ref 834422180 · Active (EBA PSD2 register, as of 2026-07-18)
- Payment institution (PI) - Financial Conduct Authority (FCA) · Ref 597190 · Active (FCA Financial Services Register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
Timeline
- 2025-12 [m&a] Being acquired by Mollie (USD 1.1bn; close mid-2026)
European alternatives to GoCardless
Autopay (Blue Media S.A., Poland) - online payments and account-to-account: BLIK, cards and open banking. National Payment Institution, KNF (since 2013).
Bridge (France) - open banking AIS/PIS by Bankin' (ACPR-regulated group): account data and A2A payments.
Brite AB (org.nr 559116-1632) - licensed Payment Institution, Swedish FSA (Finansinspektionen); instant A2A / pay-by-bank across Nordics + EU.
Fintecture (France) - open-banking / A2A payment infrastructure using SEPA instant transfers as a card alternative (lower fees, fraud reduction). PIS-licensed (ACPR / Banque de France); member of France FinTech.
Inespay (Spain) - the leading payment-initiation (PISP) provider of Spain and Portugal: account-to-account bank-transfer payments (Transferencia Online) covering 99%+ of online-banking users across Iberia. Payment institution authorised by the Bank of Spain.
Montonio (Tallinn, Estonia; founded 2018) - Baltic checkout platform: pay-by-bank links to every major bank in Estonia, Latvia, Lithuania and Poland, plus cards, Apple/Google Pay and multi-lender BNPL comparison in one checkout; USD 12m Series A (2022). Licensed via Montonio Finance UAB (Bank of Lithuania PI).
FAQ
Is GoCardless European / EEA-based?
GoCardless is UK origin (UK) and is not fully EEA-based; shown as a contrast/comparison.
What does GoCardless do?
GoCardless covers: Open banking, Local payment schemes, Payment gateway, Direct debit & recurring collections. Verified at source by Fintechnologica.