GoCardless vs Stripe

Side by side on the same benchmark criteria.

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Criteria	GoCardless	Stripe
Weighted Score	2.5/5	4.3/5
Pricing	From 1% + fee, capped	2.9% + 30c typical; volume rates
Platform Type	Payment processor	Payment processor
Transaction Pricing & Fees	4.5/5	3.8/5
Global Payment Method Coverage	3.8/5	4.5/5
Authorisation & Uptime Reliability	4.0/5	4.6/5
Fraud & Risk Management	3.2/5	4.4/5
Payout & Settlement Speed	2.5/5	4.2/5
Integration & Developer Experience	3.5/5	4.8/5
Currency & Cross-Border Support	3.0/5	4.3/5
Regulatory Compliance & Licensing	4.2/5	4.5/5
Reporting & Reconciliation	2.8/5	3.9/5
Support & Chargeback Handling	2.2/5	3.2/5
Strengths	✓ Lower cost than card for recurring subscriptions ✓ Automated recovery of failed payments
Limitations	✗ Bank payments only; a card processor is still needed ✗ Direct-debit settlement is slower than card

GoCardless

2.5

Rating

★ 2.5/5

Pricing

From 1% + fee, capped

Platform

Payment processor

Scores

Transaction Pricing & Fees

4.5

Global Payment Method Coverage

3.8

Authorisation & Uptime Reliability

4.0

Fraud & Risk Management

3.2

Payout & Settlement Speed

2.5

Integration & Developer Experience

3.5

Currency & Cross-Border Support

3.0

Regulatory Compliance & Licensing

4.2

Reporting & Reconciliation

2.8

Support & Chargeback Handling

2.2

Strengths

✓ Lower cost than card for recurring subscriptions

✓ Automated recovery of failed payments

Limitations

✗ Bank payments only; a card processor is still needed

✗ Direct-debit settlement is slower than card

Stripe

4.3