Company overview
HQ · London
Revenue based
GoCardless is a British fintech that specialises in bank-to-bank payments (Direct Debit and Open Banking) for recurring, invoice and one‑off collections. Through its ‘Capital powered by Pipe’ program, GoCardless offers revenue‑based financing/cash advances to eligible UK merchants based on their GoCardless processing history, with automated repayments as a percentage of revenue. This positions GoCardless primarily as a payments platform with an integrated, data‑driven working capital option for existing customers.
Company focus
- Headquarters
- London
- Founded
- 2011
- Employees
- 500+
- Specialties
- embedded financing partnership with Pipe, receivables finance with no personal guarantees or credit checks, fast funding (1‑2 business days), UK‑only merchant capital program
Third-party reputation
- Reported research
- BBB: A‑ rating, not accredited; 1/5 average across 2 reviews. Trustpilot: 2.4/5 based on 2,408 reviews (UK profile). Notable news: Mollie signed an agreement to acquire GoCardless (Dec 11 2025).
- Reading this research
- Third-party ratings are historical research, not a Plutus merchant rating. Legal and cost statements are attributed reports, not findings by Plutus; confirm the original sources and current terms.