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EU VETTED

GoCardless

Paiements · Royaume-Uni
Fondé en 2011 · gocardless.com

London-based UK direct-debit and recurring-payments specialist (FCA-authorised); Mollie acquisition announced Dec 2025.

GoCardless propose un hébergement européen au Royaume-Uni, mais une maison mère ou un sous-traitant américain laisse une exposition matérielle au CLOUD Act. Référencé dans la catégorie Paiements.

Notes d’évaluation

GoCardless Ltd (Sutton Yard, 65 Goswell Road, London EC1V 7EN; Companies House 07495895) is the UK direct-debit-and-recurring-payments specialist, FCA-authorised under the Payment Services Regulations 2017 (597190), but in December 2025 Dutch Mollie announced an acquisition agreement valuing the company at ~US$1.1B, the deal subject to regulatory approval and still not closed at the August 2026 re-verification, so the immediate ownership state is in transition; UK post-Brexit jurisdiction plus a historical cap-table mix (Permira UK + BlackRock US + Accel US + Balderton UK) results in cloud_act_exposure: material and ownership_signal: other (transition pending Mollie acquisition close); there is no self-serve DPA, though a versioned sub-processor list naming 23 suppliers is published.

Constats

CLOUD Act
Actionnariat
Sous-traitants
23 · 17 US

Signaux vérifiés

Juridiction
  • Hébergement UE / adéquation: Oui
  • Opérateur UE / adéquation: Oui
  • Aucune exposition au CLOUD Act: Non
Transparence
  • DPA public: Non
  • Sous-traitants divulgués: Oui
  • Clients open source: Non
  • Certification tierce: Non
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À propos de 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 place GoCardless in 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, over 90% in Mollie shares. The deal has not closed: GoCardless's own customer FAQ still describes completion as expected in mid-2026 subject to regulatory approvals, and no completion announcement existed at the August 2026 re-verification. 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). Ownership signals remain in transition pending acquisition close: cloud_act_exposure: material, and no self-serve DPA, though a sub-processor list is published as a versioned PDF ("GoCardless material supplier list v2026.06", accurate as of 12 June 2026) naming 23 suppliers, among them Google Cloud, AWS, Cloudflare, Segment, Okta, Zendesk, SendGrid and LexisNexis on the US side.

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 run on the Wise mid-market FX engine and carry an extra 0.3% on amounts over £2,000. 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.

Carte des sous-traitants · 23

Source
  • Amazon Web Services US
    États-Unis

    File storage and scale computing (data location: EU-West region)

  • Braze US
    États-Unis

    Sending operational emails

  • Celigo US
    États-Unis

    Partner connection, NetSuite integration (data location: Germany)

  • Cloudflare US
    États-Unis

    Optimisation and protection of the GoCardless website and API

  • Dun & Bradstreet US
    États-Unis

    Company credit scoring and identity verification

  • Finastra Limited US
    Royaume-Uni

    Direct debit scheme provider software (Bacs)

  • GitHub US
    États-Unis

    Software development

  • Google US
    États-Unis

    Hosting the GoCardless Service on Google Cloud Platform and other cloud services (data location: Netherlands)

  • LexisNexis Risk Solutions US
    États-Unis

    Background and AML checks, fraud prevention

  • Looker US
    États-Unis

    Data platform and analytics

  • Mastercard Payment Services US
    Danemark

    Payment scheme operator, chargeback processing (Betalingsservice)

  • Okta US
    États-Unis

    Employee access management and merchant authentication (2FA)

  • Provenir US
    États-Unis

    Credit decisioning

  • Segment US
    États-Unis

    Anonymous online event tracking and analytics

  • SendGrid US
    États-Unis

    Sending transactional emails

  • Zendesk US
    États-Unis

    Support ticketing software

  • Flagright non-US
    Royaume-Uni

    Payment screening and monitoring

  • Form3 non-US
    Royaume-Uni

    Direct debit scheme provider software (Bacs)

  • Onfido non-US
    Royaume-Uni

    Identity verification

  • Pure JAM non-US
    Royaume-Uni

    Support telephony service

  • Trulioo non-US
    Canada

    Identity verification

  • Vonage US
    États-Unis

    Support telephony service

  • Wise non-US
    Royaume-Uni

    FX services

Source : liste publiée des sous-traitants de l’éditeur, lue le 26 août 2026.

17 sous-traitants sur 23 sont détenus par des capitaux américains ou établis aux États-Unis. Exposition au CLOUD Act applicable.

Référentiels & certifications · aucune répertoriée

Nous avons vérifié le site de l'éditeur et les registres des organismes de certification. Aucune certification active trouvée à la date du dernier audit (2026-08-26).

Matrice de fonctionnalités

Tableau 2Fonctionnalités de GoCardless

Paiement par carte Non
Prélèvement SEPA Oui
Paiement fractionné (BNPL) Non
Open banking (A2A) Oui
Récurrent / abonnements Oui
Liens de paiement Oui
En personne / TPE Non
Marketplace / split Non

Intégration & accès

REST API Oui
SSO (SAML / OIDC) Oui

Conformité & gouvernance

Audit log Oui
Self-host / on-prem option Non

Tarifs & paliers

Tarifs sur mesure

Contactez l’éditeur pour les tarifs par palier ou volume.

Voir la page tarifs

Documents publics

L'éditeur ne publie pas de DPA public. Sans contrat de sous-traitance accessible publiquement, les petits clients européens ne peuvent pas signer eux-mêmes l'accord : cela est consigné comme absence de DPA publique (voir Notre méthode).
  • Contrat de sous-traitance (DPA)
    — manquant
    manquant
  • Liste des sous-traitants
    gocardless.com/privacy…
    Ouvrir

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