Verified provider profile

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)

UKEEA data: NoLicence: PIVerified at source 2026-06-25
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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)
  • Ownership / control: no change of control on record

What GoCardless does

Open bankingLocal payment schemesPayment gatewayDirect debit & recurring collections

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 How we verify → · Official website: gocardless.com · Spotted something out of date? Report a correction.

Official register entries

  • Payment institution (PI) - Prudential Supervisory and Resolution Authority · Ref 892825670 · Active (EBA PSD2 register, as of 2026-09-18)
  • Payment institution (PI) - Prudential Supervisory and Resolution Authority · Ref 834422180 · Active (EBA PSD2 register, as of 2026-09-18)
  • Payment institution (PI) - Financial Conduct Authority (FCA) · Ref 597190 · Active (FCA Financial Services Register, as of 2026-09-18)

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

  • Bridge EU core PI France · EEA: YesShared: Open banking, Local payment schemes, Open banking: PIS, Scheme: Ecommerce
  • Brite EU core PI Sweden · EEA: YesShared: Local payment schemes, Open banking, Open banking: PIS, Scheme: Ecommerce
  • Fintecture EU core PI France · EEA: YesShared: Open banking, Local payment schemes, Open banking: PIS, Scheme: Ecommerce
  • Neonomics EU core PI Norway · EEA: YesShared: Open banking, Local payment schemes, Open banking: PIS, Scheme: Ecommerce
  • Tink EU core PI Sweden · EEA: YesShared: Open banking, Local payment schemes, Open banking: PIS, Scheme: Ecommerce
  • Trustly EU core PI Sweden · EEA: YesShared: Local payment schemes, Open banking, Open banking: PIS, Scheme: Ecommerce

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.

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