vs
GoCardless vs PayPal
GoCardless covers 39 countries and PayPal covers 201; they overlap in 39, with 0 served only by GoCardless and 162 only by PayPal. GoCardless supports 15 payment methods and PayPal 9, 0 of them in common. GoCardless publishes its pricing, while PayPal quotes fees per merchant.
GoCardless and PayPal at a glance
| GoCardless | PayPal | |
|---|---|---|
| Type | Provider | Provider & method |
| Headquarters | United Kingdom | |
| Founded | 2011 | |
| Part of | Mollie | |
| Countries covered | 39 | 201 |
| Payment methods | 15 | 9 |
| Currencies | 8 — AUD, CAD, DKK, EUR, GBP, NZD… | 25 — AUD, BRL, CAD, CHF, CNY, CZK… |
| Pricing | On request | On request |
| 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 | Financial Conduct Authority (FCA) |
| Categories | ACH, Bank Transfer, Direct Debit, Gateway, Open Banking, PayTech | ACH, BNPL, Bank Transfer, Cards, Crypto, Direct Debit, Open Banking, Remittance, Wallet |
| Industries | Charity, Fintech, SaaS, eCommerce | Charity, Cosmetics, Crypto, Food & Drink, Forex / CFD, Healthcare, SaaS, Travel, eCommerce, iGaming |
Countries
39 in common · 0 only GoCardless · 162 only PayPal
Only GoCardless
None — PayPal covers every country GoCardless does.
Only PayPal
AlbaniaAL
AlgeriaDZ
AndorraAD
AngolaAO
AnguillaAI
Antigua and BarbudaAG
ArgentinaAR
ArmeniaAM
ArubaAW
AzerbaijanAZ
BahamasBS
BahrainBH
BarbadosBB
BelarusBY
BelizeBZ
BeninBJ
BermudaBM
BhutanBT
BoliviaBO
Bosnia and HerzegovinaBA
BotswanaBW
BrazilBR
British Virgin IslandsVG
BruneiBN
Burkina FasoBF
BurundiBI
Cabo VerdeCV
CambodiaKH
CameroonCM
Cayman IslandsKY
ChadTD
ChileCL
ChinaCN
ColombiaCO
ComorosKM
CongoCG
Congo (DRC)CD
Cook IslandsCK
Costa RicaCR
Côte d'IvoireCI
DjiboutiDJ
DominicaDM
Dominican RepublicDO
EcuadorEC
EgyptEG
El SalvadorSV
EritreaER
EswatiniSZ
EthiopiaET
Falkland IslandsFK
Faroe IslandsFO
FijiFJ
French GuianaGF
French PolynesiaPF
GabonGA
GambiaGM
GeorgiaGE
GibraltarGI
GreenlandGL
GrenadaGD
GuadeloupeGP
GuatemalaGT
GuineaGN
Guinea-BissauGW
GuyanaGY
HondurasHN
Hong KongHK
IndiaIN
IndonesiaID
IsraelIL
JamaicaJM
JapanJP
JordanJO
KazakhstanKZ
KenyaKE
KiribatiKI
KuwaitKW
KyrgyzstanKG
LaosLA
LesothoLS
MadagascarMG
MalawiMW
MalaysiaMY
MaldivesMV
MaliML
Marshall IslandsMH
MartiniqueMQ
MauritaniaMR
MauritiusMU
MayotteYT
MexicoMX
MicronesiaFM
MoldovaMD
MongoliaMN
MontenegroME
MontserratMS
MoroccoMA
MozambiqueMZ
NamibiaNA
NauruNR
NepalNP
New CaledoniaNC
NicaraguaNI
NigerNE
NigeriaNG
NiueNU
Norfolk IslandNF
North MacedoniaMK
OmanOM
PalauPW
PanamaPA
Papua New GuineaPG
ParaguayPY
PeruPE
PhilippinesPH
Pitcairn IslandsPN
QatarQA
RussiaRU
RwandaRW
RéunionRE
Saint HelenaSH
Saint Kitts and NevisKN
Saint LuciaLC
Saint Vincent and the GrenadinesVC
SamoaWS
Sao Tome and PrincipeST
Saudi ArabiaSA
SenegalSN
SerbiaRS
SeychellesSC
Sierra LeoneSL
SingaporeSG
Solomon IslandsSB
SomaliaSO
South KoreaKR
Sri LankaLK
St Pierre & MiquelonPM
SurinameSR
Svalbard & Jan MayenSJ
TaiwanTW
TajikistanTJ
TanzaniaTZ
ThailandTH
TogoTG
TongaTO
Trinidad and TobagoTT
TunisiaTN
TurkmenistanTM
Turks & Caicos IslandsTC
TuvaluTV
UgandaUG
UkraineUA
United Arab EmiratesAE
UruguayUY
VanuatuVU
Vatican CityVA
VenezuelaVE
VietnamVN
Wallis & FutunaWF
YemenYE
ZambiaZM
ZimbabweZWPayment methods
0 in common · 15 only GoCardless · 9 only PayPal
Frequently asked questions
What is the difference between GoCardless and PayPal?
GoCardless covers 39 countries and PayPal covers 201; they overlap in 39, with 0 served only by GoCardless and 162 only by PayPal. GoCardless supports 15 payment methods and PayPal 9, 0 of them in common. GoCardless publishes its pricing, while PayPal quotes fees per merchant.
Which covers more countries, GoCardless or PayPal?
PayPal has more: GoCardless covers 39 countries and PayPal covers 201. Only PayPal serves Albania, Algeria, Andorra, Angola, Anguilla, Antigua and Barbuda and 156 more.
Does GoCardless or PayPal support more payment methods?
GoCardless has more: 15 for GoCardless against 9 for PayPal, with 0 in common. Only GoCardless offers ACH, Autogiro, BACS, BECS Direct Debit, BECS NZ Direct Debit, Betalingsservice and 9 more. Only PayPal offers Apple Pay, BLIK, Bank Transfer, Google Pay, Mastercard, PIX and 3 more.
Is GoCardless cheaper than PayPal?
GoCardless quotes fees per merchant. PayPal quotes fees per merchant. 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 PayPal 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