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Panel rating · 6 judges · How to read the stars

Category median

Sovereignty: 1 of 4 dimensions proven

0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.

by GoCardless Ltd · gocardless.com

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Read this page as one judge. Each weighs the same scores by what they care about.

The Finance Lead

Weighted verdict

Closes the month and owns the cash position. Wants payouts on a stated schedule, fees itemised per transaction rather than netted into a lump, reports that match the bank statement, and a rolling reserve written into the contract with a limit rather than discovered on a Tuesday.

Same scores as the panel view — this lens weights them the way this judge cares.

Scored by The Finance Lead

Payment methods & local coverage

How this is scored

Which methods a European customer can actually pay with — cards and wallets, SEPA Direct Debit, and the local methods that decide conversion per country — judged on the named list per market rather than on a method count.

0 — Cards only, or a method list with no statement of which countries and currencies each one covers.

3 — Major cards and wallets plus one or two European methods, with local coverage stated vaguely ("many local methods") and no SEPA Direct Debit.

5 — Cards, Apple Pay and Google Pay, SEPA Direct Debit, and the main local methods for DACH and Benelux (iDEAL or Wero, Bancontact, Klarna or invoice) listed by name with the countries they serve.

8 — Broad EU coverage named per country — including methods such as BLIK, TWINT, Przelewy24, EPS and Wero — multi-currency acceptance with settlement currencies stated, and which methods support refunds and recurring charges documented per method.

10 — Coverage is documented as a matrix a merchant can plan against: every method with its countries, currencies, refund, partial-capture and recurring support, and the provider's own acquiring versus third-party routing stated per method.

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The Finance Lead

This is a bank-debit house: SEPA Direct Debit is documented across the whole SEPA zone country by country, euro-denominated only with national schemes needed for local currency in non-eurozone markets, plus Instant Bank Pay, Pay By Bank and Commercial VRP compared scheme by scheme for confirmation speed and chargeback risk. What I cannot plan against is cards — the homepage positions direct bank collection as the way to avoid card fees — and I found no public information on card or wallet acceptance or on named local methods such as iDEAL, Bancontact or BLIK. 5 9 10 1 2

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Checkout, SCA & fraud

How this is scored

The path from basket to authorised payment under PSD2: hosted and embedded checkout options, 3-D Secure and SCA exemption handling, fraud screening, and what the provider documents about keeping legitimate payments from failing.

0 — A single redirect page with no statement on 3-D Secure, SCA or fraud screening.

3 — Hosted checkout with 3-D Secure 2 mentioned, fraud screening as an unexplained add-on, and no word on exemptions or declined-payment handling.

5 — Hosted and embedded checkout options, 3-D Secure 2 with SCA handled by the provider, configurable fraud rules, and the resulting PCI DSS scope for each integration type stated.

8 — SCA exemptions (low value, transaction risk analysis, merchant-initiated) applied and documented, fraud tooling with rules and risk scores exposed to the merchant, network tokens or account updater, and liability shift explained per flow.

10 — Authorisation is engineered and shown: exemption strategy documented, soft-decline retry handled, authorisation-rate reporting by method and issuer country, and a checkout the merchant can run in their own domain while staying at the lowest PCI scope.

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The Finance Lead

Hosted pages, drop-in pages and a custom API path are all documented, with prefill, lockable fields and webhook confirmation of outcomes, and the SCA position is written down properly — paperless Direct Debit mandates are stated as out of SCA scope with an EBA confirmation quoted, and Protect+ offers configurable risk levels plus bank verification at checkout. I found no public information on PCI DSS scope per integration type, exemption handling for card-type flows, or authorisation-rate reporting, which keeps this at the mid bar. 8 7 2 9

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Subscriptions & recurring payments

How this is scored

Charging the same customer again: card-on-file and merchant-initiated transactions, SEPA mandates, subscription logic and dunning — and whether the stored payment credentials can leave with the merchant.

0 — No stored payment methods; every charge needs the customer to pay again.

3 — Card-on-file tokens for repeat charges, but no SEPA mandate handling, no subscription logic, and failed-payment handling left entirely to the merchant.

5 — Stored cards and SEPA Direct Debit mandates, merchant-initiated transactions documented, and basic subscription plans with scheduled charges and failed-payment notifications.

8 — Subscription billing with trials, proration and plan changes, smart retries and dunning, card account updater, mandate management with pre-notification, and a documented process for exporting payment tokens to another provider.

10 — Recurring revenue is a first-class product: usage-based and invoice-based billing, dunning with measurable recovery, token migration in and out documented with a stated timeline and format, and recurring support stated for every local method that allows it.

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The Finance Lead

Recurring is the core product and it shows: subscriptions with create, pause, resume and cancel in the API, instalment plans, mandate pre-notification rules spelled out including the standard 14 calendar days and an agreed reduction to 3, and Success+ smart retries with a published average 70% of failed payments recovered — dunning with a number I can hold them to. Against the higher bar, variable amounts require cancel-and-recreate rather than plan changes, and I found no public information on trials, proration, an account updater, or a documented token export process with timeline and format — migration of existing customers is a contact-us conversation. 9 6 1 2 10

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Settlement, reconciliation & API

How this is scored

Getting the money and knowing what it was: payout cadence and currencies, fee itemisation per transaction, reports that match a bank statement, and an API and webhooks a team can build finance processes on.

0 — Payouts on an unstated schedule, one net amount per payout, and no API or report beyond an on-screen list.

3 — A stated payout schedule and CSV exports, but fees netted invisibly into payouts and an API with thin documentation.

5 — Payout frequency and delay stated, per-transaction fee breakdown in reports, a documented REST API with webhooks and a test mode, and exports that link each payout to its transactions.

8 — Configurable payout schedules and settlement currencies, reconciliation reports that match bank lines, accounting integrations or exports named, a versioned API with idempotency and published rate limits, and a public status page with incident history.

10 — Finance can close the month from the provider's data: interchange and scheme fees itemised per transaction, automated reconciliation to the ledger, a deprecation policy for the API, and full historical data exportable after the contract ends.

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The Finance Lead

Payouts are stated as generally one per day per currency, gated on a verified account and a positive balance, with collection taking typically 2-5 business days — a cadence I can forecast. The reconciliation story is genuinely itemised: the Payout Items API breaks each payout into ten item types including GoCardless fees, app fees, surcharge fees, refunds, chargebacks and late failures, and automated daily CSV payout reports per currency cover the previous business day in UTC, with Xero, Sage and QuickBooks named for the ledger side. I found no public information on configurable payout schedules, API versioning with idempotency and rate limits, or a public status page, and export links expire after an hour with only 3 days of availability, so the month-end picture stops short of closing itself. 12 11 9 2

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Licence, risk & account terms

How this is scored

Who holds the merchant's money under which licence, and what the contract lets the provider do on a bad day: freezes, reserves, termination, chargebacks. Scored on what the terms and the imprint state, not on reputation.

0 — No regulated entity named; terms allow freezing funds and terminating the account at any time with no notice, reason or timeline.

3 — A licence mentioned without the entity, supervisor or register number, and terms that permit reserves and holds with no stated limits.

5 — The regulated entity named with its supervisor and licence type, safeguarding of merchant funds stated, chargeback fees and dispute process published, and a notice period for ordinary termination.

8 — Entity, supervisor, register number and passporting stated per country; reserve and rolling-hold conditions defined with limits and release timelines; freeze and termination terms with reasons and a route to appeal; PCI DSS level and attestation published.

10 — The bad day is written down: every regulated entity in the chain named with register links, reserve calculation disclosed, funds release timelines after termination committed, a documented complaint route to the supervisor, and exit terms that include handing back payment tokens and transaction history.

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The Finance Lead

The regulated entities and register numbers are published plainly — Companies House 07495895, FCA register number 597190, HMRC 12642480, and the footer names GoCardless SAS in Paris under RCS 834 422 180 as the ACPR-licensed provider — with a full document list including regulated terms, merchant agreement, country-specific terms and prohibited activities. The bad day is not written down: failed-payment and chargeback fees are only said to apply with no amounts or published dispute process, and I found no public information on safeguarding of merchant funds, reserve or rolling-hold limits with release timelines, termination notice periods, or an appeal route. 4 13 2

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European sovereignty

How this is scored

Who the contracting and regulated entity is, and where transaction and cardholder data are processed and stored. Independently sourced by the sovereignty pipeline. The card schemes are US-based for every provider, so the scheme layer is not held against any one vendor; the part the vendor controls is.

0 — Non-EU contracting entity, no statement on where payment data is processed, and subprocessors unnamed.

3 — An EU licensed entity contracts, but payment and customer data is processed outside the EU by default without an explained safeguard, or the subprocessor list is absent.

5 — EU contracting and regulated entity, EU processing stated for core payment data, but the group parent or significant parts of the chain (fraud scoring, support, analytics) are non-EU without a stated safeguard.

8 — EU entity and EU licence, payment and cardholder data processed and stored in the EU on named infrastructure, subprocessor list published with locations, and a DPA covering the processing the provider does as processor versus as controller.

10 — Sovereign end to end and evidenced: European ownership, EU entity and licence, every processing location and subprocessor European, European rails (SEPA, Wero or national schemes) offered alongside cards, and certifications published.

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The Finance Lead

The captured pages give two different contracting pictures — an imprint naming a UK company with an FCA registration, and a footer identifying the Paris entity under ACPR as the provider of payment services on the site — so the contracting position is not clean from public pages. Beyond the SEPA rails themselves, I found no public information on where payment and cardholder data is processed, on subprocessors and their locations, or on ownership of the group. 4

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Pricing transparency

How this is scored

Whether a merchant can compute the effective fee for their own mix of cards, countries and methods — including cross-border and currency conversion markups, chargebacks, refunds, payouts and monthly fees — from public pages alone.

0 — No public prices at all; every rate is a sales conversation.

3 — A headline percentage exists, but it is unclear which cards and countries it covers, and cross-border, currency conversion or chargeback fees are unstated — the effective fee is unknowable.

5 — Rates published per main method with domestic and international cards distinguished, but at least one commonly incurred cost (currency conversion markup, chargeback fee, payout or monthly fee) is missing or "on request".

8 — Every method priced publicly, cross-border and currency conversion markups stated, chargeback, refund and payout fees listed, minimum monthly fees and contract term given, and whether the model is blended or interchange++ said plainly.

10 — Complete fee computability: the effective rate derivable for a given volume, card mix and country mix — interchange++ with the markup published or a blended rate with every exception listed — plus volume tiers, reserves and every ancillary fee on a public page.

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The Finance Lead

A pricing page is public and some figures are exact — 200 €/Monat for branded payment pages, 50 €/Monat for a custom statement name, prices stated excluding VAT with reverse charge possible, and VAT on fees per authority instruction — but I found no public per-transaction rate for the debit schemes anywhere in the captured pages. Failed-payment and chargeback fees are flagged as applying without amounts, and the international story is a Wise-provided real exchange rate for 30+ countries with no stated markup, so the effective fee for my own mix is not computable. 2 12

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European sovereignty — proven facts

1 of 4 dimensions proven

Built only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.

Ownership Not determined — uncited Report an error
Data residency Not determined — uncited Report an error
Subprocessors Not determined — uncited Report an error

Where this could be wrong

What we left out

A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.

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Sources (14)

The pages every claim on this page was read from — each one checked, dated, and kept verifiable.

  1. 1 Vendor homepage gocardless.com Checked 22 Sep 2026 Details →
  2. 2 Pricing page gocardless.com Checked 22 Sep 2026 Details →
  3. 3 Privacy policy gocardless.com Checked 22 Sep 2026 Details →
  4. 4 Legal notice gocardless.com Checked 22 Sep 2026 Details →
  5. 5 Payment methods & local coverage — found from sitemap gocardless.com Checked 1 Oct 2026 Details →
  6. 6 Payment methods & local coverage — found from sitemap gocardless.com Checked 1 Oct 2026 Details →
  7. 7 Checkout, SCA & fraud — found from sitemap gocardless.com Checked 1 Oct 2026 Details →
  8. 8 Checkout, SCA & fraud — found from sitemap docs.gocardless.com Checked 1 Oct 2026 Details →
  9. 9 Subscriptions & recurring payments — found from sitemap docs.gocardless.com Checked 1 Oct 2026 Details →
  10. 10 Subscriptions & recurring payments — found from sitemap docs.gocardless.com Checked 1 Oct 2026 Details →
  11. 11 Settlement, reconciliation & API — found from sitemap docs.gocardless.com Checked 1 Oct 2026 Details →
  12. 12 Settlement, reconciliation & API — found from sitemap docs.gocardless.com Checked 1 Oct 2026 Details →
  13. 13 Licence, risk & account terms — found from sitemap gocardless.com Checked 1 Oct 2026 Details →
  14. 14 Licence, risk & account terms — found from sitemap gocardless.com Checked 1 Oct 2026 Details →