GoCardless vs Unit
GoCardless confirms 3 of the features we check on its own site; Unit confirms 3. Starting prices: GoCardless not published, Unit Quote only.
GoCardless
Businesses collecting recurring payments by direct debit or pay by bank.
Unit
Software companies that want to embed accounts, cards, money movement and lending inside their own product.
Watch out: No public pricing; access is through sales and demos, and the money-movement rails cited are US-centric (ACH, wire, check).
| Overview & pricing | ||
|---|---|---|
| Category | Payments & Fintech | Payments & Fintech |
| Specialty | Recurring payments | Embedded finance infrastructure |
| Based in | 🇬🇧 United Kingdom | 🇺🇸 United States |
| Best for | All sizes | All sizes |
| Starting price | Unconfirmed | Quote only |
| Free plan | Unconfirmed | Unconfirmed |
| Free trial | Unconfirmed | Unconfirmed |
| Features confirmed on each vendor’s site | ||
| Recurring billing · Core features | ✓Automate subscriptions and instalments | Unconfirmed |
| Payouts / dispersion · Core features | ✓Outbound payments to partners or suppliers | Unconfirmed |
| Credit / financing · Core features | ◐Access capital through Pipe add-on | ✓Capital: lines of credit, invoice factoring and credit cards |
| Fraud prevention · Core features | ◐Advanced fraud protection via Protect+ add-on | Unconfirmed |
| Public API · Platform | ✓API integrations for custom builds | Unconfirmed |
| SOC 2 · Security & compliance | Unconfirmed | ✓Certified SOC 2 Type II |
| PCI DSS · Security & compliance | Unconfirmed | ✓PCI DSS Level 1 compliant |
| Integrations | ||
| Listed on its site | Xero, QuickBooks, Zuora | Unconfirmed |
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Every ✓ / ✕ comes from the vendor’s own website (sources on each product page). Unconfirmed means the site doesn’t say — not that the feature is missing.