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GoCardless vs Token.io
GoCardless covers 39 countries and Token.io covers 21; they overlap in 21, with 18 served only by GoCardless and 0 only by Token.io. GoCardless supports 15 payment methods and Token.io 3, 2 of them in common. GoCardless publishes its pricing, while Token.io quotes fees per merchant.
GoCardless and Token.io at a glance
| GoCardless | Token.io | |
|---|---|---|
| Type | Provider | Provider |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 2011 | 2015 |
| Part of | Mollie | |
| Countries covered | 39 | 21 |
| Payment methods | 15 | 3 |
| Currencies | 8 — AUD, CAD, DKK, EUR, GBP, NZD… | 2 — EUR, GBP |
| Pricing | On request | On request |
| Settlement | Bacs payouts about five working days after creation; same-day settlement for eligible UK merchants | Real-time where SEPA Instant or UK Faster Payments applies; funds can be held in Token settlement accounts |
| Regulators | Financial Conduct Authority, Autorité de contrôle prudentiel et de résolution (ACPR), FinCEN | Financial Conduct Authority, BaFin and Deutsche Bundesbank |
| Categories | ACH, Bank Transfer, Direct Debit, Gateway, Open Banking, PayTech | Bank Transfer, Open Banking, PayTech |
| Industries | Charity, Fintech, SaaS, eCommerce | Crypto, Fintech, eCommerce, iGaming |
Countries
21 in common · 18 only GoCardless · 0 only Token.io
Only GoCardless
Only Token.io
None — GoCardless covers every country Token.io does.
Payment methods
2 in common · 13 only GoCardless · 1 only Token.io
Only GoCardless
Only Token.io
Offered by both
Frequently asked questions
What is the difference between GoCardless and Token.io?
GoCardless covers 39 countries and Token.io covers 21; they overlap in 21, with 18 served only by GoCardless and 0 only by Token.io. GoCardless supports 15 payment methods and Token.io 3, 2 of them in common. GoCardless publishes its pricing, while Token.io quotes fees per merchant.
Which covers more countries, GoCardless or Token.io?
GoCardless has more: GoCardless covers 39 countries and Token.io covers 21. Only GoCardless serves Australia, Bulgaria, Canada, Croatia, Cyprus, Czech Republic and 12 more.
Does GoCardless or Token.io support more payment methods?
GoCardless has more: 15 for GoCardless against 3 for Token.io, with 2 in common. Only GoCardless offers ACH, Autogiro, BACS, BECS Direct Debit, BECS NZ Direct Debit, Betalingsservice and 7 more. Only Token.io offers SEPA Instant.
Is GoCardless cheaper than Token.io?
GoCardless quotes fees per merchant. Token.io 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 Token.io 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