Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 71 companies across 4 categories.
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Founded in 2011 as a UK Direct Debit automation company for subscription businesses, GoCardless expanded into a global bank payment network supporting ACH, SEPA, BACS, and other local debit schemes across 30+ countries. The 2022 acquisition of Nordigen moved the company beyond pure payment collection into open banking data (AIS), positioning it as an all-in-one bank payment and account information provider. In 2025, GoCardless added an embedded capital product powered by Pipe, signalling a broader move toward embedded financial services for its 75,000+ merchant base.
Other Open Banking providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/gocardless/install" width="1" height="1" alt="" style="display:none">71 companies disclose GoCardless in their stack in the Embedded Finance Index 2026, including TeamUp, Crowdz, Form3, Coadjute, Antom, Ecommpay, Credentially, Perfect Gym, KBC, Celigo and 2 others.
GoCardless is an embedded-finance provider in PSP, Open Banking, FX / Payouts and Accounts Receivable. It ranks #4 of 87 Open Banking providers by disclosed buyers.
The most-disclosed Open Banking alternatives to GoCardless are Plaid (293 buyers), Salt Edge (60 buyers), MX (56 buyers), TrueLayer (43 buyers), Tink (41 buyers) and Yapily (40 buyers).
GoCardless is founded in 2011 and headquartered in London, United Kingdom.
GoCardless has raised $1.8B in total.
Get a read on where your own stack stands against GoCardless and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.