vs
GoCardless vs Stripe
GoCardless covers 39 countries and Stripe covers 49; they overlap in 38, with 1 served only by GoCardless and 11 only by Stripe. GoCardless supports 15 payment methods and Stripe 56, 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 | 49 |
| Payment methods | 15 | 56 |
| Currencies | 8 — AUD, CAD, DKK, EUR, GBP, NZD… | 35 — AED, ARS, AUD, BRL, CAD, CHF… |
| Pricing | On request | On request |
| 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
38 in common · 1 only GoCardless · 11 only Stripe
South Africa
Brazil
Gibraltar
Hong Kong
India
Indonesia
Japan
Malaysia
Mexico
Singapore
Thailand
United Arab EmiratesPayment methods
5 in common · 10 only GoCardless · 51 only Stripe
Only GoCardless
Only Stripe
Offered by both
Frequently asked questions
What is the difference between GoCardless and Stripe?
GoCardless covers 39 countries and Stripe covers 49; they overlap in 38, with 1 served only by GoCardless and 11 only by Stripe. GoCardless supports 15 payment methods and Stripe 56, 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 49. Only GoCardless serves 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: 15 for GoCardless against 56 for Stripe, with 5 in common. Only GoCardless offers Autogiro, BECS Direct Debit, BECS NZ Direct Debit, Betalingsservice, Direct Debit, Faster Payments and 4 more. Only Stripe offers Affirm, Afterpay, Alipay, Alma, Amazon Pay, American Express and 45 more.
Is GoCardless cheaper than Stripe?
GoCardless quotes fees per merchant. Stripe 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 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.
Related comparisons
Compiled from public sources, information supplied by providers and AI-generated content — always confirm coverage and pricing with each provider. Disclaimer