GoCardless

GoCardless is a London-headquartered UK payments platform specialising in **direct debit** and **recurring** payments, operated by GoCardless Ltd (Sutton Yard, 65 Goswell Road, London EC1V 7EN; Companies House 07495895). Founded in 2011 by Hiroki Takeuchi, Tom Blomfield, and Matt Robinson, the company is authorised by the UK's Financial Conduct Authority under the Payment Services Regulations 2017 (registration 597190) and supports a uniquely broad set of bank-to-bank schemes: **Bacs** (UK), **SEPA Direct Debit** (Eurozone), **ACH** (US), **BECS** (Australia and New Zealand), **PAD** (Canada), **Autogiro** (Sweden), and **Betalingsservice** (Denmark). The product is positioned as the direct-debit-and-recurring-payments alternative to Stripe/PayPal, particularly strong for subscription SaaS, B2B invoicing, charities, and any business with predictable recurring billing. Two ownership signals matter for an EU-sovereignty audit at this time. First, the historical cap table includes Permira (UK), BlackRock (US), Accel (US), and Balderton (UK) alongside other backers — mixed-jurisdiction with material US-VC exposure that, on its own, would put GoCardless into the `eu_hq_us_funded`-equivalent UK band. Second, and more importantly, in **December 2025 Dutch Mollie announced an agreement to acquire GoCardless** for approximately **US$1.1B**, with regulatory approvals expected to complete the deal by mid-2026. If the acquisition closes as announced, GoCardless will become a subsidiary of Mollie B.V. (Amsterdam, DNB-licensed EMI) — shifting the primary regulatory anchor from FCA to a Dutch parent, though Mollie itself carries a US-funded cap table (TCV, General Atlantic, Blackstone, Alkeon — see Mollie's listing). The score caps at 3/5 pending close of the acquisition and a refreshed transparency artefact set. Pricing in GBP is volume-tiered: Standard 1% + £0.20 (capped at £4 domestic UK), Advanced 1.25% + £0.20 (capped £5, with auto failed-payment recovery), Pro 1.4% + £0.20 (capped £5.60, with fraud protection), and Custom for >£1M annual volume. International payments via the Wise mid-market FX engine cost ~1% more. Branding add-ons: £50/month for bank-statement branding, £150/month for fully customised checkout. Best fit: UK and EU subscription SaaS, mid-market B2B invoicing, NGOs and membership organisations collecting recurring direct debits across multiple jurisdictions. EU procurement-grade buyers needing strict EU-controlled ownership should re-evaluate after the Mollie acquisition closes or use Mollie directly for cards/iDEAL/SEPA workflows.