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GoCardless

Payment Processing
Editor
★★★★☆★
(72 reviews)

Overview

GoCardless (founded 2011, London) is a bank payment specialist processing over $130 billion annually for 100,000+ businesses. While not storage-specific, GoCardless publishes dedicated self-storage payment guidance and is particularly strong for operators in the UK (Bacs Direct Debit) and those in the US seeking low-cost ACH recurring billing alternatives to card processing. Their Success+ feature automatically retries failed payments at the optimal time and achieves a 70% recovery rate on initially failed transactions. Protect+ provides AI-powered fraud prevention. GoCardless rates for ACH in the US are typically 0.5–0.9% plus $0.05 per transaction — significantly lower than card rates. Their Verified Mandates feature (using open banking) prevents fraudulent ACH authorizations.

Key Features

ACH bank-to-bank paymentsDirect Debit (UK/EU via Bacs)Success+ failed payment recovery (70% rate)Protect+ AI fraud preventionVerified Mandates (prevents fraudulent ACH authorization)Variable Recurring Payments (UK open banking)No monthly fees on base plan$130B+ processed annuallyOpen API integrationStripe Connect (compatible) integration

Pros & Cons

Pros

  • Significantly lower transaction costs than card processing (0.5-0.9%)
  • 70% failed payment recovery rate through Success+
  • Strong UK self-storage market presence via Direct Debit

Cons

  • ACH/bank only — no card or cash payments
  • US market presence smaller than UK
  • Less integration with US storage management software
  • Requires separate card processor if you accept credit cards

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Company Info

Founded2011
Service Areanational
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