Teams look beyond GoCardless when the invoice problem turns out to be wider than the payment method. Direct debit moves money on a mandate, but it does not run a reminder sequence, work disputes, or tell a collector which customer to call. Some want chasing and a customer portal, others want credit control, and a few want the payment side from another network.
Short answer: Looking for a replacement for GoCardless? Payt, Chaser and Upflow come first in our accounts receivable ranking. Places 1 to 3 go to challengers, vendors outside the best-known brands in a category, wherever the category has them; the established names follow from place 4 in their ranked order. Start with Payt if your debtors are Dutch or Belgian and pay by iDEAL or transfer. Every one of the 11 products below comes from Best Accounts Receivable Software in 2026, with a note on how it departs from GoCardless.
Vendors can pay for more visibility on this website, for example a higher place in a ranking or more room on a page. Commercial relationships can also affect which products we feature and how prominently. Every vendor link is marked the same, whatever the arrangement behind it. How that works.
Pricing: Per transaction percentage with a cap, published
Established in: United Kingdom
Built for: Recurring B2B or membership billing that can move to direct debit
Not for: One-off project invoices to large corporate customers
01
Why buyers look past GoCardless
01
The fee is a share of every collection
Standard is listed at 1% plus 20p per transaction with a domestic cap of 4 pounds. Advanced is 1.25% plus 20p capped at 5 pounds, and Pro is 1.4% plus 20p capped at 5.60 pounds. Transactions over 2,000 pounds add 0.3% on Direct Debit, and international collections cost 2% plus 20p on Standard. Fees are shown in sterling and carry VAT for UK merchants.
02
Collection is not collections work
The site describes recurring and one-off collection, retries through Success+ and fraud checks through Protect+. It does not describe a reminder ladder, collector worklists or dispute handling. A debtor who has no mandate, or whose payment fails and keeps failing, still lands with a person who has to write the email.
03
Some useful options cost extra each month
Showing your own name on the customer's bank statement is listed at 50 pounds a month, and a fully custom checkout at 150 pounds a month. Success+ is included only from Advanced upwards. Plan changes must be requested two working days before month end and start on the 1st, so a mid-month switch waits.
your ledger is large enough for payment prediction to change who you call
#16
03
What each one does differently
1
Payt
Netherlands · Published
Payt is a Dutch debtor management product whose reminders carry iDEAL and SEPA payment links, with a customer portal and a handover to a collection agency when the sequence is exhausted. Pricing is published in monthly tiers by invoices sent. Outside the Benelux its payment methods and integrations are less settled.
Switch from GoCardless if your debtors are Dutch or Belgian and pay by iDEAL or transfer.
Chaser connects to Xero, QuickBooks or Sage and sends the reminder sequence from your own mail address. Pricing is published per organisation by revenue tier, with a 14-day trial. Credit checks are included now, while cash allocation and dispute workflow remain thin, so it fits small finance teams more than credit departments.
Switch from GoCardless if you already invoice in Xero, QuickBooks or Sage and want reminders running quickly.
Upflow is French-founded and gives every account an owner, so the account manager sees what is overdue and can follow up. Its analytics group customers by how late they pay. Prices are quoted by volume, and the deeper credit-risk functions are absent, which keeps it aimed at B2B software and services.
Switch from GoCardless if late payment is a relationship matter that sales and finance should share.
Kolleno, from London, bundles reminder workflows, a payment portal and a cash forecast, and connects to Xero, QuickBooks and Sage Intacct. Its tiers are priced per user per month and published. That adds up quickly, so it makes sense only where a real collections team exists.
Switch from GoCardless if two or more people chase invoices and you want a forecast beside the worklist.
Invoiced by Flywire is a US product whose payments run on Flywire, including SEPA and Bacs debit, so it overlaps most with what you use GoCardless for. The published plans are gone and the pricing link leads to a demo request. Its API can drive invoicing from your own system.
Switch from GoCardless if you want debit collection and receivables tooling from one vendor with an API.
Paystand attacks late payment through payments, as GoCardless does, using bank-to-bank transfers on its own network and a customer portal. Cash reconciles into NetSuite or QuickBooks. A quoted subscription replaces per-transaction fees, so savings depend on your payment mix. Credit management and disputes are thin, and it is built for American firms.
Switch from GoCardless if you invoice US customers and want a flat subscription instead of per-payment fees.
Gaviti is a small Israeli vendor focused on receivables: reminders, collector worklists, dispute handling, cash application, credit tools and a customer portal, synced with your ERP. It does not grow into billing. Quoted pricing and limited presence in continental Europe apply, and templates need rework for debtors used to formal letters.
Switch from GoCardless if you need dispute handling and cash application without buying a billing suite.
Quadient AR is the former YayPay product, owned by a French listed group. It covers reminders, a customer payment portal and short-term cash forecasting without an enterprise implementation. Pricing is quoted, and North American invoicing practice still shows in the defaults. The roadmap shares attention with a large document business.
Switch from GoCardless if you want portal, reminders and forecasting in one mid-sized product.
Onguard, a Dutch credit management system, sets limits per customer, scores risk from external data, handles disputes and allocates incoming payments. It treats credit decisions as the job, not reminders. The price is quoted and implementation is a project, so a ten-person company would be buying more than it can staff.
Switch from GoCardless if you need customer credit limits and risk scores before you invoice.
Versapay starts from the idea that most late payments are open queries, and gives buyer and seller a shared portal to settle them. It processes payments itself and quotes prices. The product assumes North American practice, cheques included, which suits large, slow-paying customers more than European direct debit users.
Switch from GoCardless if your large customers pay late because invoices sit unresolved in their queue.
Sidetrade is a French order-to-cash platform that predicts late payers from behaviour observed across its customer base. That helps a large ledger with thousands of debtors. Pricing is quoted, implementation is a project, and the data-sharing arrangement deserves a careful read before signature.
Switch from GoCardless if your ledger is large enough for payment prediction to change who you call.
You collect from Dutch or Belgian debtors who pay by iDEAL
Payt: Reminders carry iDEAL and SEPA links, and a collection agency takes over when the sequence runs out.
02
You invoice in Xero, QuickBooks or Sage and want chasing running fast
Chaser: Reminders go from your own mail address, and pricing is published by revenue tier with a 14-day trial.
03
You want sales to share ownership of overdue accounts
Upflow: Each account has an owner, and the analytics show which customer groups pay late.
04
You need credit limits and risk scores before invoicing
Onguard: It sets limits per customer and scores risk from external data, though implementation is a project.
05
You want debit collection and receivables tooling from one vendor
Invoiced by Flywire: Payments run on Flywire including SEPA and Bacs debit, but pricing starts with a demo request.
04
When GoCardless is still the right choice
GoCardless stays the right choice when your problem is getting recurring customers to pay on time, because a mandate collected on the due date needs no reminder at all. Pricing is published, you pay per transaction with no monthly minimum stated, and the site lists 30+ countries, eight bank debit schemes and 350+ integrations. If your customers are consumers or subscribers rather than slow-paying companies, replacing it may add work.
05
What moving off GoCardless involves
01
Mandates do not transfer between providers
A customer's direct debit mandate belongs to the scheme setup of the provider that collected it, so a new tool means new authorisations. Plan a customer communication, expect some drop-off, and keep GoCardless live for existing mandates until the new ones are confirmed.
02
Check what the new tool does with failed payments
Success+ retries a failed payment on a chosen day, and a reminder product replaces that with messages to a person. Decide who owns accounts whose payment fails, and test the first run on a few customers before switching the whole ledger.
06
Questions about replacing GoCardless
6 answers
What does GoCardless charge?
The pricing page lists Standard at 1% plus 20p with a 4 pound cap, Advanced at 1.25% plus 20p capped at 5 pounds and Pro at 1.4% plus 20p capped at 5.60 pounds.
Custom plans are negotiated for businesses with 1 million pounds or more in annual revenue. Fees exclude VAT.
Is GoCardless a dunning tool?
The pages we read describe collection by bank debit, retries and fraud checks, not a reminder ladder or collector worklists. Chaser, Payt and Kolleno are listed here for that kind of chasing.
Which alternative is European?
Payt is Dutch, Upflow, Quadient AR and Sidetrade are French, and Onguard is Dutch. Chaser and Kolleno are British, and Gaviti is Israeli. Invoiced, Paystand and Versapay are North American.
Can another tool collect by SEPA debit?
Invoiced by Flywire states that payments run on Flywire, including SEPA and Bacs debit. Payt puts iDEAL and SEPA links in reminders. For pure mandate collection from a small business, the category record treats GoCardless as the product that makes it workable.
How much do the alternatives cost?
Payt, Chaser and Kolleno publish pricing, by invoice tier, revenue tier and per user. Upflow, Gaviti, Quadient AR, Onguard, Paystand, Versapay, Sidetrade and Invoiced quote after a conversation.
Do I have to leave GoCardless to chase invoices?
Not necessarily. A reminder tool can sit beside direct debit for customers who pay by invoice. Keep GoCardless for the subscribers and use the other product for the accounts that never signed a mandate.
—
Sources
Checked 5 November 2026
GoCardless pricing: Standard, Advanced, Pro and Custom fees and caps, 2,000 pound surcharge, international rates, 50 and 150 pound monthly add-ons, Success+ and Protect+ inclusion, plan change rule.
GoCardless home: 30+ countries, 8 bank debit schemes, 350+ integrations, Success+ retries, Protect+, no dunning described.
Founder of The Knowledge Engineers and of 2 Steps Ahead, an AI search visibility agency. Editorially responsible for every page on this site; research and drafting are AI-assisted.
Checked and edited by Sebastiaan Smits, last on 5 November 2026. The editorial process explains the method.
