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GoCardless vs Plaid
GoCardless covers 39 countries and Plaid covers 19; they overlap in 19, with 20 served only by GoCardless and 0 only by Plaid. GoCardless supports 15 payment methods and Plaid 6, 4 of them in common. GoCardless publishes its pricing, while Plaid quotes fees per merchant.
GoCardless and Plaid at a glance
| GoCardless | Plaid | |
|---|---|---|
| Type | Provider | Provider |
| Headquarters | United Kingdom | United States |
| Founded | 2011 | 2013 |
| Part of | Mollie | |
| Countries covered | 39 | 19 |
| Payment methods | 15 | 6 |
| Currencies | 8 — AUD, CAD, DKK, EUR, GBP, NZD… | 3 — EUR, GBP, USD |
| Pricing | On request | On request |
| Settlement | Bacs payouts about five working days after creation; same-day settlement for eligible UK merchants | US: ACH, Same Day ACH or instant (RTP/FedNow); Europe: Faster Payments or SEPA Instant where the bank supports it |
| Regulators | Financial Conduct Authority, Autorité de contrôle prudentiel et de résolution (ACPR), FinCEN | Financial Conduct Authority, De Nederlandsche Bank |
| Categories | ACH, Bank Transfer, Direct Debit, Gateway, Open Banking, PayTech | ACH, Bank Transfer, Open Banking, PayTech |
| Industries | Charity, Fintech, SaaS, eCommerce | Crypto, Fintech, SaaS, eCommerce |
Countries
19 in common · 20 only GoCardless · 0 only Plaid
Only GoCardless
Only Plaid
None — GoCardless covers every country Plaid does.
Payment methods
4 in common · 11 only GoCardless · 2 only Plaid
Only GoCardless
Only Plaid
Offered by both
Frequently asked questions
What is the difference between GoCardless and Plaid?
GoCardless covers 39 countries and Plaid covers 19; they overlap in 19, with 20 served only by GoCardless and 0 only by Plaid. GoCardless supports 15 payment methods and Plaid 6, 4 of them in common. GoCardless publishes its pricing, while Plaid quotes fees per merchant.
Which covers more countries, GoCardless or Plaid?
GoCardless has more: GoCardless covers 39 countries and Plaid covers 19. Only GoCardless serves Australia, Bulgaria, Canada, Croatia, Cyprus, Czech Republic and 14 more.
Does GoCardless or Plaid support more payment methods?
GoCardless has more: 15 for GoCardless against 6 for Plaid, with 4 in common. Only GoCardless offers Autogiro, BACS, BECS Direct Debit, BECS NZ Direct Debit, Betalingsservice, Direct Debit and 5 more. Only Plaid offers SEPA Instant and Wire Transfer.
Is GoCardless cheaper than Plaid?
GoCardless quotes fees per merchant. Plaid 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 Plaid 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