{
  "id": "gocardless--xero",
  "schema_version": "1.2",
  "app": {
    "slug": "gocardless",
    "name": "GoCardless",
    "vendor": "GoCardless",
    "website": "https://gocardless.com",
    "categories": [
      "payments"
    ],
    "owned_by_platform": false
  },
  "ecosystem": "xero",
  "connection": {
    "built_by": "app-vendor",
    "method": "native-api",
    "marketplace_listing_url": "https://apps.xero.com/uk/app/gocardless",
    "setup_docs_url": "https://support.gocardless.com/hc/en-gb/articles/23142463455132-GoCardless-in-Xero",
    "certified_by_ecosystem": {
      "value": true,
      "src": [
        "s1"
      ]
    }
  },
  "sync": [
    {
      "object": "invoices",
      "direction": "ecosystem-to-app",
      "notes": "GoCardless can be set as the payment method on individual or repeating invoices",
      "src": [
        "s1",
        "s7"
      ]
    },
    {
      "object": "payments",
      "direction": "two-way",
      "notes": "A collected payment marks the Xero invoice as paid; a failed payment leaves it unpaid and flagged as needing attention",
      "src": [
        "s1",
        "s2",
        "s6"
      ]
    },
    {
      "object": "fees-payouts",
      "direction": "app-to-ecosystem",
      "notes": "The GoCardless fee is recorded as an expense in Xero",
      "src": [
        "s1",
        "s2"
      ]
    },
    {
      "object": "contacts",
      "direction": "two-way",
      "src": [
        "s1"
      ]
    },
    {
      "object": "bank-transactions",
      "direction": "app-to-ecosystem",
      "src": [
        "s1"
      ]
    }
  ],
  "pricing": {
    "model": "usage-based",
    "plans": [
      {
        "name": "Standard (UK)",
        "billing": "per-transaction",
        "prices": {},
        "rate": "1% + 20p per transaction, capped at £4",
        "per": "excluding VAT, no monthly fee",
        "src": [
          "s3"
        ]
      },
      {
        "name": "Advanced (UK)",
        "billing": "per-transaction",
        "prices": {},
        "rate": "1.25% + 20p per transaction, capped at £5",
        "per": "excluding VAT, no monthly fee",
        "src": [
          "s3"
        ]
      },
      {
        "name": "Pro (UK)",
        "billing": "per-transaction",
        "prices": {},
        "rate": "1.4% + 20p per transaction, capped at £5.60",
        "per": "excluding VAT, no monthly fee",
        "src": [
          "s3"
        ]
      },
      {
        "name": "Standard (Australia)",
        "billing": "per-transaction",
        "prices": {},
        "rate": "1% + A$0.40 per transaction, capped at A$4",
        "per": "no monthly fee",
        "src": [
          "s4"
        ]
      },
      {
        "name": "Advanced (Australia)",
        "billing": "per-transaction",
        "prices": {},
        "rate": "1.25% + A$0.40 per transaction, capped at A$5",
        "per": "no monthly fee",
        "src": [
          "s4"
        ]
      },
      {
        "name": "Standard (US)",
        "billing": "per-transaction",
        "prices": {},
        "rate": "0.5% + US$0.05 per ACH transaction, capped at US$5",
        "per": "no monthly fee",
        "src": [
          "s5"
        ]
      },
      {
        "name": "Advanced (US)",
        "billing": "per-transaction",
        "prices": {},
        "rate": "0.75% + US$0.05 per ACH transaction, capped at US$6.25",
        "per": "no monthly fee",
        "src": [
          "s5"
        ]
      },
      {
        "name": "Pro (US)",
        "billing": "per-transaction",
        "prices": {},
        "rate": "0.9% + US$0.05 per ACH transaction, capped at US$7",
        "per": "no monthly fee",
        "src": [
          "s5"
        ]
      }
    ]
  },
  "regions": {
    "supported": [
      "AU",
      "CA",
      "IE",
      "NZ",
      "UK",
      "US"
    ],
    "basis": "stated",
    "src": [
      "s1"
    ]
  },
  "requirements": {
    "ecosystem_plan_min": "unknown",
    "ecosystem_features_required": [],
    "src": [
      "s1"
    ]
  },
  "limitations": [
    {
      "summary": "UK Direct Debit transactions over £2,000 cost an extra 0.3% on every GoCardless plan",
      "severity": "minor",
      "affects_regions": [
        "UK"
      ],
      "src": [
        "s3"
      ]
    },
    {
      "summary": "There are two versions of the integration, GoCardless for Xero and GoCardless in Xero, with different features; switching needs GoCardless support",
      "severity": "minor",
      "src": [
        "s7"
      ]
    },
    {
      "summary": "Automatic retries of failed payments (Success+) are only available for Direct Debit invoices",
      "severity": "minor",
      "src": [
        "s6"
      ]
    },
    {
      "summary": "Payments created from Xero should not be cancelled in the GoCardless dashboard, or Xero may recreate them",
      "severity": "minor",
      "src": [
        "s7"
      ]
    }
  ],
  "alternatives": [],
  "editorial": {
    "answer_summary": "GoCardless collects bank payments (Direct Debit, ACH and PAD) against Xero invoices, including repeating invoices. A collected payment marks the invoice as paid and the fee is recorded as an expense. There is no monthly fee; UK payments cost from 1% + 20p, capped at £4.",
    "best_for": [
      "Businesses collecting recurring payments by Direct Debit against Xero invoices"
    ],
    "not_ideal_for": []
  },
  "profile": {
    "status": "listed"
  },
  "sources": [
    {
      "id": "s1",
      "url": "https://apps.xero.com/uk/app/gocardless",
      "title": "GoCardless on the Xero App Store (UK)",
      "type": "marketplace-listing",
      "retrieved_at": "2026-11-13T05:30:00Z"
    },
    {
      "id": "s2",
      "url": "https://gocardless.com/integrations/xero/",
      "title": "GoCardless: Xero integration",
      "type": "vendor-docs",
      "retrieved_at": "2026-11-13T05:30:00Z"
    },
    {
      "id": "s3",
      "url": "https://gocardless.com/pricing/",
      "title": "GoCardless pricing (UK)",
      "type": "vendor-pricing",
      "retrieved_at": "2026-11-13T05:30:00Z"
    },
    {
      "id": "s4",
      "url": "https://gocardless.com/en-au/pricing/",
      "title": "GoCardless pricing (Australia)",
      "type": "vendor-pricing",
      "retrieved_at": "2026-11-13T05:30:00Z"
    },
    {
      "id": "s5",
      "url": "https://gocardless.com/en-us/pricing/",
      "title": "GoCardless pricing (US)",
      "type": "vendor-pricing",
      "retrieved_at": "2026-11-13T05:30:00Z"
    },
    {
      "id": "s6",
      "url": "https://support.gocardless.com/hc/en-us/articles/360020298274-Retrying-failed-payments-GoCardless-for-Xero",
      "title": "GoCardless support: Retrying failed payments (GoCardless for Xero)",
      "type": "vendor-docs",
      "retrieved_at": "2026-11-13T05:30:00Z"
    },
    {
      "id": "s7",
      "url": "https://support.gocardless.com/hc/en-gb/articles/23142463455132-GoCardless-in-Xero",
      "title": "GoCardless support: GoCardless in Xero",
      "type": "vendor-docs",
      "retrieved_at": "2026-11-13T05:30:00Z"
    }
  ],
  "verification": {
    "status": "verified",
    "last_verified": "2026-11-13",
    "verified_by": [
      "research-agent",
      "verifier-agent"
    ],
    "open_flags": []
  },
  "publishing": {
    "state": "live",
    "batch": "2026-W46",
    "approved": "2026-11-14"
  },
  "changelog": [
    {
      "date": "2026-11-13",
      "change": "Record created from public sources (pilot batch)"
    }
  ],
  "vendor": {
    "id": "gocardless",
    "name": "GoCardless",
    "api": "https://trylode.io/api/vendors/gocardless.json"
  },
  "url": "https://trylode.io/xero/gocardless/",
  "facts": [
    {
      "id": "sync-invoices",
      "topic": "sync",
      "statement": "GoCardless pulls invoices from Xero.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1",
        "s7"
      ],
      "url": "https://trylode.io/xero/gocardless/#sync-invoices"
    },
    {
      "id": "sync-payments",
      "topic": "sync",
      "statement": "GoCardless syncs payments with Xero in both directions.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1",
        "s2",
        "s6"
      ],
      "url": "https://trylode.io/xero/gocardless/#sync-payments"
    },
    {
      "id": "sync-fees-payouts",
      "topic": "sync",
      "statement": "GoCardless sends fees and payouts to Xero.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1",
        "s2"
      ],
      "url": "https://trylode.io/xero/gocardless/#sync-fees-payouts"
    },
    {
      "id": "sync-contacts",
      "topic": "sync",
      "statement": "GoCardless syncs contacts with Xero in both directions.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/gocardless/#sync-contacts"
    },
    {
      "id": "sync-bank-transactions",
      "topic": "sync",
      "statement": "GoCardless sends bank transactions to Xero.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/gocardless/#sync-bank-transactions"
    },
    {
      "id": "price-standard-uk",
      "topic": "pricing",
      "statement": "GoCardless's Standard (UK) plan charges 1% + 20p per transaction, capped at £4 (excluding VAT, no monthly fee).",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s3"
      ],
      "url": "https://trylode.io/xero/gocardless/#price-standard-uk"
    },
    {
      "id": "price-advanced-uk",
      "topic": "pricing",
      "statement": "GoCardless's Advanced (UK) plan charges 1.25% + 20p per transaction, capped at £5 (excluding VAT, no monthly fee).",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s3"
      ],
      "url": "https://trylode.io/xero/gocardless/#price-advanced-uk"
    },
    {
      "id": "price-pro-uk",
      "topic": "pricing",
      "statement": "GoCardless's Pro (UK) plan charges 1.4% + 20p per transaction, capped at £5.60 (excluding VAT, no monthly fee).",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s3"
      ],
      "url": "https://trylode.io/xero/gocardless/#price-pro-uk"
    },
    {
      "id": "price-standard-australia",
      "topic": "pricing",
      "statement": "GoCardless's Standard (Australia) plan charges 1% + A$0.40 per transaction, capped at A$4 (no monthly fee).",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s4"
      ],
      "url": "https://trylode.io/xero/gocardless/#price-standard-australia"
    },
    {
      "id": "price-advanced-australia",
      "topic": "pricing",
      "statement": "GoCardless's Advanced (Australia) plan charges 1.25% + A$0.40 per transaction, capped at A$5 (no monthly fee).",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s4"
      ],
      "url": "https://trylode.io/xero/gocardless/#price-advanced-australia"
    },
    {
      "id": "price-standard-us",
      "topic": "pricing",
      "statement": "GoCardless's Standard (US) plan charges 0.5% + US$0.05 per ACH transaction, capped at US$5 (no monthly fee).",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s5"
      ],
      "url": "https://trylode.io/xero/gocardless/#price-standard-us"
    },
    {
      "id": "price-advanced-us",
      "topic": "pricing",
      "statement": "GoCardless's Advanced (US) plan charges 0.75% + US$0.05 per ACH transaction, capped at US$6.25 (no monthly fee).",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s5"
      ],
      "url": "https://trylode.io/xero/gocardless/#price-advanced-us"
    },
    {
      "id": "price-pro-us",
      "topic": "pricing",
      "statement": "GoCardless's Pro (US) plan charges 0.9% + US$0.05 per ACH transaction, capped at US$7 (no monthly fee).",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s5"
      ],
      "url": "https://trylode.io/xero/gocardless/#price-pro-us"
    },
    {
      "id": "regions",
      "topic": "regions",
      "statement": "GoCardless works with Xero in AU, CA, IE, NZ, UK and US.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/gocardless/#regions"
    },
    {
      "id": "marketplace-listed",
      "topic": "trust",
      "statement": "GoCardless is listed in the official Xero marketplace.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s1"
      ],
      "url": "https://trylode.io/xero/gocardless/#marketplace-listed"
    },
    {
      "id": "limitation-1",
      "topic": "limitation",
      "statement": "UK Direct Debit transactions over £2,000 cost an extra 0.3% on every GoCardless plan.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s3"
      ],
      "url": "https://trylode.io/xero/gocardless/#limitation-1"
    },
    {
      "id": "limitation-2",
      "topic": "limitation",
      "statement": "There are two versions of the integration, GoCardless for Xero and GoCardless in Xero, with different features; switching needs GoCardless support.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s7"
      ],
      "url": "https://trylode.io/xero/gocardless/#limitation-2"
    },
    {
      "id": "limitation-3",
      "topic": "limitation",
      "statement": "Automatic retries of failed payments (Success+) are only available for Direct Debit invoices.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s6"
      ],
      "url": "https://trylode.io/xero/gocardless/#limitation-3"
    },
    {
      "id": "limitation-4",
      "topic": "limitation",
      "statement": "Payments created from Xero should not be cancelled in the GoCardless dashboard, or Xero may recreate them.",
      "label": "Lode-verified",
      "verified": "2026-11-13",
      "src": [
        "s7"
      ],
      "url": "https://trylode.io/xero/gocardless/#limitation-4"
    }
  ],
  "cite_as": "Lode (trylode.io), GoCardless + Xero, verified 2026-11-13",
  "lode": {
    "publish_state": "live",
    "stale": false,
    "completeness": 0.7
  }
}