vs
GoCardless vs Stripe
GoCardless covers 39 countries and Stripe covers 46; they overlap in 35, with 4 served only by GoCardless and 11 only by Stripe. GoCardless supports 10 payment methods and Stripe 50, 5 of them in common. Both publish their pricing.
GoCardless and Stripe at a glance
| GoCardless | Stripe | |
|---|---|---|
| Type | Provider | Provider |
| Headquarters | United Kingdom | United States |
| Founded | 2011 | 2010 |
| Part of | Mollie | |
| Countries covered | 39 | 46 |
| Payment methods | 10 | 50 |
| Currencies | 8 — AUD, CAD, DKK, EUR, GBP, NZD… | 33 — AED, ARS, AUD, BRL, CAD, CHF… |
| Pricing | 1%–2.4% + 0.2 GBP per transaction | 1.5%–3.15% + 0.2 GBP per transaction |
| Settlement | Bacs payouts about five working days after creation; same-day settlement for eligible UK merchants | T+2 in the US and Australia, T+3 in the UK and EU; first payout after 7-14 days |
| Regulators | Financial Conduct Authority, Autorité de contrôle prudentiel et de résolution (ACPR), FinCEN | Financial Conduct Authority, Central Bank of Ireland, US state banking regulators (NMLS), Monetary Authority of Singapore |
| Categories | ACH, Bank Transfer, Direct Debit, Gateway, Open Banking, PayTech | ACH, BNPL, Card Issuance, Cards, Cross Border, Crypto, Direct Debit, Gateway, Open Banking, POS, PayTech |
| Industries | Charity, Fintech, SaaS, eCommerce | Charity, Fintech, Food & Drink, Marketplace, Retail, SaaS, Travel, eCommerce |
Countries
35 in common · 4 only GoCardless · 11 only Stripe
Iceland
Monaco
San Marino
South Africa
Brazil
Gibraltar
Hong Kong
India
Indonesia
Japan
Malaysia
Mexico
Singapore
Thailand
United Arab EmiratesPayment methods
5 in common · 5 only GoCardless · 45 only Stripe
Only Stripe
Offered by both
Frequently asked questions
What is the difference between GoCardless and Stripe?
GoCardless covers 39 countries and Stripe covers 46; they overlap in 35, with 4 served only by GoCardless and 11 only by Stripe. GoCardless supports 10 payment methods and Stripe 50, 5 of them in common. Both publish their pricing.
Which covers more countries, GoCardless or Stripe?
Stripe has more: GoCardless covers 39 countries and Stripe covers 46. Only GoCardless serves Iceland, Monaco, San Marino and South Africa. Only Stripe serves Brazil, Gibraltar, Hong Kong, India, Indonesia, Japan and 5 more.
Does GoCardless or Stripe support more payment methods?
Stripe has more: 10 for GoCardless against 50 for Stripe, with 5 in common. Only GoCardless offers Direct Debit, Faster Payments, Instant Bank Payments, Instant Open Banking and PayTo. Only Stripe offers Affirm, Afterpay, Alipay, Alma, Amazon Pay, American Express and 39 more.
Is GoCardless cheaper than Stripe?
GoCardless publishes its pricing (1%–2.4% + 0.2 GBP per transaction). Stripe publishes its pricing (1.5%–3.15% + 0.2 GBP 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 Stripe 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