Question 1

What is the difference between GoCardless and Rapyd?

Accepted Answer

GoCardless covers 39 countries and Rapyd covers 81; they overlap in 38, with 1 served only by GoCardless and 43 only by Rapyd. GoCardless supports 10 payment methods and Rapyd 50, 3 of them in common. Both publish their pricing.

Question 2

Which covers more countries, GoCardless or Rapyd?

Accepted Answer

Rapyd has more: GoCardless covers 39 countries and Rapyd covers 81. Only GoCardless serves Canada. Only Rapyd serves Albania, Andorra, Argentina, Armenia, Bosnia and Herzegovina, Brazil and 37 more.

Question 3

Does GoCardless or Rapyd support more payment methods?

Accepted Answer

Rapyd has more: 10 for GoCardless against 50 for Rapyd, with 3 in common. Only GoCardless offers Direct Debit, EFT Pre-Authorized Debit, Faster Payments, Instant Bank Payments, Instant Open Banking, Pay by Bank and 1 more. Only Rapyd offers Alipay, AmBank, Apple Pay, Banco Estado, Banco de Antigua, Bancolombia and 41 more.

Question 4

Is GoCardless cheaper than Rapyd?

Accepted Answer

GoCardless publishes its pricing (1%–2.4% + 0.2 GBP per transaction). Rapyd publishes its pricing (3.29%–3.49% per transaction). Which is cheaper depends on your payment methods, countries, volumes and risk profile, so compare quotes from both for your own mix.

Question 5

Can you use GoCardless and Rapyd together?

Accepted Answer

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.

	GoCardless	Rapyd
Type	Provider	Provider
Headquarters	United Kingdom	Israel
Founded	2011	2016
Part of	Mollie
Countries covered	39	81
Payment methods	10	50
Currencies	8 — AUD, CAD, DKK, EUR, GBP, NZD…	70 — AED, AMD, ARS, AUD, BAM, BDT…
Pricing	1%–2.4% + 0.2 GBP per transaction	3.29%–3.49% per transaction
Settlement	Bacs payouts about five working days after creation; same-day settlement for eligible UK merchants	Method-dependent: Pix real time; Latin American cash and bank redirect typically 2-3 days
Regulators	Financial Conduct Authority, Autorité de contrôle prudentiel et de résolution (ACPR), FinCEN	Financial Conduct Authority (FCA), Central Bank of Iceland (Seðlabanki Íslands), Monetary Authority of Singapore (MAS), Hong Kong Customs and Excise Department, Hong Kong Companies Registry, Israel Securities Authority (ISA), FinCEN
Categories	ACH, Bank Transfer, Direct Debit, Gateway, Open Banking, PayTech	ACH, Bank Transfer, Banking, Card Issuance, Cards, Cash, Cross Border, Crypto, Direct Debit, Gateway, IBAN Issuance, POS, Terminals & Kiosks, Wallet
Industries	Charity, Fintech, SaaS, eCommerce	Fintech, Marketplace, Retail, SaaS, Travel, eCommerce, iGaming

GoCardless vs Rapyd

GoCardless and Rapyd at a glance

Countries

Only GoCardless

Only Rapyd

Payment methods