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Transaction Fees

Transaction fees will vary depending on your business location and if the payment to be collected is considered domestic or international.

The fee payable per transaction is dependent on the plan you select. You can find more information on our plan fees in the articles relating to the plans;

  • Standard

  • Advanced

  • Pro

Transaction fees on all our plans are deducted at source upon collection of payments from your customers.

Please note that add-ons are billed separately from transaction fees as add-ons come with a recurring monthly charge. To find out more about add-ons, please click here.

Custom Pricing

Please note: The transaction fees covered in this article only apply to GoCardless customers who are not on a Custom Pricing contract. GoCardless customers that have a Custom Pricing contract with us will have a Custom Pricing structure applied for transaction and/or monthly fees.

Transaction fees

Transaction fees are charged for each payment that has been submitted.

The transaction fee will vary depending on your business location and whether the payment to be collected is considered a domestic or international payment.

You can find an overview of our transaction fees on our pricing page.

Domestic payments are defined as payment collected in the GoCardless customer’s home scheme (i.e. the scheme of the country in which the business is registered). They are charged a percentage plus a fixed fee and are capped. In certain countries and for certain schemes, we charge a high-value transaction fee which means that over a certain threshold we charge an additional fee on the portion of the transaction above the threshold. 

International payments are defined as payments made outside of the GoCardless customer’s home scheme. They are also charged a percentage plus a fixed fee but they are not capped and the high-value transaction fee doesn’t apply. 
Note that the percentage element of the domestic and international fee will vary depending on the plan you are on.  
We also have separate fixed fees for ancillary transactions such as refunds, chargebacks and failures. Note that:

Note that the percentage element of the domestic and international fee will vary depending on the plan you are on.  

We also have separate fixed fees for ancillary transactions such as refunds, chargebacks and failures. Note that:

  • Refund fees apply to all refunds

  • Chargeback fees apply to all chargebacks in the US, Germany and Austria and are subject to different rules in other countries.

  • Failure fees only applies in the US, Germany and Austria

Note that in addition, we charge monthly fees for certain add-on features. Find out more here. 

App fees

App fees are sometimes charged by partner integrations for use of their platform. The app fees are charged in addition to our transaction fees and are most commonly a percentage of the payment amount being charged.

If you are being charged app fees, these will show as a separate transaction line against collected payments and payouts in your dashboard.

Paying your transaction fees

We calculate and apply the transaction fee to the payment once it is in the status ‘confirmed’, which typically happens 1 working day after the payment has been collected from your customer but this varies for each scheme.

For Custom Pricing customers, the transaction fee is invoiced. 

For customers who are not on Custom Pricing, the transaction fees are deducted at source, which means it is deducted from the payment before it is paid out to you. On the payout day you will receive the collected payment minus the transaction fee.

Viewing your fees

Although transaction fees are not invoiced or charged separately, you are able to download a monthly invoice for your transaction fees. 

Please note that for Custom Pricing customers, the fees are invoiced.

Downloading an invoice for your transaction fees

You can request an invoice for your monthly GoCardless fees via your dashboard. 

To request this information, log into your dashboard and click on Settings and then Account settings. You can then select the month from the dropdown menu.

You can also get a breakdown of the fees you've paid by exporting your payout breakdown as a CSV file from within your dashboard. 

Please note: If you are on our Custom Pricing offering, you will need to raise a ticket with our Support team to request an invoice for your fees.

For a breakdown of the fees, please click here.

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GoCardless Ltd (company registration number 07495895) is registered as a foreign company in Australia, ABN 17 606 261 74, and holds an Australian Financial Services licence (AFSL), number 478976.





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