GoCardless vs Orca

GoCardless covers 39 countries and Orca covers 233; they overlap in 39, with 0 served only by GoCardless and 194 only by Orca. GoCardless supports 10 payment methods and Orca 729, 10 of them in common. Both publish their pricing.

GoCardless and Orca at a glance

	GoCardless	Orca
Type	Provider	Provider
Headquarters	United Kingdom	GB
Founded	2011	2024
Part of	Mollie
Countries covered	39	233
Payment methods	10	729
Currencies	8 — AUD, CAD, DKK, EUR, GBP, NZD…	255 — AAVE, ADA, AED, AFN, ALGO, ALL…
Pricing	1%–2.4% + 0.2 GBP per transaction	0.15 EUR per transaction
Settlement	Bacs payouts about five working days after creation; same-day settlement for eligible UK merchants
Regulators	Financial Conduct Authority, Autorité de contrôle prudentiel et de résolution (ACPR), FinCEN
Categories	ACH, Bank Transfer, Direct Debit, Gateway, Open Banking, PayTech	ACH, ATM, BNPL, Bank Transfer, Banking, Card Issuance, Cards, Cash, Cross Border, Crypto, Direct Debit, Gateway, IBAN Issuance, Mobile / USSD, On / Off Ramp, Open Banking, Orchestration, Other, P2P, POS, PayTech, Remittance, Terminals & Kiosks, Voucher, Wallet
Industries	Charity, Fintech, SaaS, eCommerce	Crypto, Forex / CFD, Marketplace, SaaS, Travel, eCommerce, iGaming

Countries

39 in common · 0 only GoCardless · 194 only Orca

Only GoCardless

None — Orca covers every country GoCardless does.

Only Orca

Bosnia and Herzegovina

Botswana

Brazil

British Virgin Islands

Central African Republic

Saint Kitts and Nevis

Saint Lucia

Saint Martin

Saint Vincent and the Grenadines

Samoa

Sao Tome and Principe

Turks & Caicos Islands

Payment methods

10 in common · 0 only GoCardless · 719 only Orca

Offered by both

ACH BACS Direct Debit EFT Pre-Authorized Debit Faster Payments Instant Bank Payments Instant Open Banking Pay by Bank PayTo SEPA Direct Debit

Frequently asked questions

What is the difference between GoCardless and Orca?

Which covers more countries, GoCardless or Orca?

Orca has more: GoCardless covers 39 countries and Orca covers 233. Only Orca serves Afghanistan, Albania, Algeria, Andorra, Angola, Anguilla and 188 more.

Does GoCardless or Orca support more payment methods?

Orca has more: 10 for GoCardless against 729 for Orca, with 10 in common. Only Orca offers 1Voucher, 7-Eleven, ANCV Chèque-Vacances, APAC Bank Transfer, ATM Philippines, AU Pay and 713 more.

Is GoCardless cheaper than Orca?

GoCardless publishes its pricing (1%–2.4% + 0.2 GBP per transaction). Orca publishes its pricing (0.15 EUR per transaction). Which is cheaper depends on your payment methods, countries, volumes and risk profile, so compare quotes from both for your own mix.

Can you use GoCardless and Orca together?

Yes. Many merchants use more than one payment provider — to cover countries or payment methods only one of them offers, or as a backup if one has an outage. A payment orchestration platform can route each payment to whichever provider suits it best.

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Compiled from public sources, information supplied by providers and AI-generated content — always confirm coverage and pricing with each provider. Disclaimer