Up to 4 at once.
| Criteria | Authorize.net | GoCardless |
|---|---|---|
| Weighted Score | 2.3/5 | 2.5/5 |
| Pricing | Gateway fee plus per-transaction | From 1% + fee, capped |
| Platform Type | Payment processor | Payment processor |
| Transaction Pricing & Fees | 3.2/5 | 4.5/5 |
| Global Payment Method Coverage | 2.1/5 | 3.8/5 |
| Authorisation & Uptime Reliability | 4.2/5 | 4.0/5 |
| Fraud & Risk Management | 3.8/5 | 3.2/5 |
| Payout & Settlement Speed | 2.8/5 | 2.5/5 |
| Integration & Developer Experience | 3.5/5 | 3.5/5 |
| Currency & Cross-Border Support | 2.4/5 | 3.0/5 |
| Regulatory Compliance & Licensing | 4.5/5 | 4.2/5 |
| Reporting & Reconciliation | 3.0/5 | 2.8/5 |
| Support & Chargeback Handling | 2.9/5 | 2.2/5 |
| 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 |
Authorize.net
2.3
Rating
★ 2.3/5
Pricing
Gateway fee plus per-transaction
Platform
Payment processor
Scores
Transaction Pricing & Fees
3.2
Global Payment Method Coverage
2.1
Authorisation & Uptime Reliability
4.2
Fraud & Risk Management
3.8
Payout & Settlement Speed
2.8
Integration & Developer Experience
3.5
Currency & Cross-Border Support
2.4
Regulatory Compliance & Licensing
4.5
Reporting & Reconciliation
3.0
Support & Chargeback Handling
2.9
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