GoCardless website screenshot

GoCardless

GoCardless is a global account-to-account payments platform specializing in pull-based bank debit (UK Bacs, SEPA Direct Debit, ACH, BECS, PAD, Autogiro) and open-banking instant bank payments, used by businesses to collect recurring subscriptions, invoices, and one-off payments directly from customer bank accounts. The GoCardless REST API exposes customers, bank accounts, mandates, payments, payouts, subscriptions, refunds, events, webhooks, and verification flows. Authentication uses Bearer access tokens issued from the dashboard, with separate sandbox and live environments; every request must include a GoCardless-Version header.

GoCardless publishes 16 APIs on the APIs.io network, including billing_request_flows API, billing_requests API, blocks API, and 13 more. Tagged areas include Payments, Direct Debit, Bank Debit, Recurring Payments, and Subscriptions.

The GoCardless catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

GoCardless’ developer surface includes authentication, sandbox, changelog, documentation, pricing, signup flow, support, and 15 more developer resources.

🌐 Visit website 📡 Source on GitHub
44.4/100 developing ▼ -6.1 Agent 37/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessSelf serve
16 APIs
PaymentsDirect DebitBank DebitRecurring PaymentsSubscriptionsSEPABacsACHOpen BankingFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 44.4/100 · developing
Contract Quality 15.9 / 25
Developer Ergonomics 6.5 / 20
Commercial Clarity 3.7 / 20
Operational Transparency 4.8 / 13
Governance 5.0 / 12
Discoverability 7.4 / 10
Agent readiness — 37/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/gocardless: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 16

Individual APIs this provider publishes, each with its own machine-readable definition.

GoCardless billing_request_flows API

The billing_request_flows API from GoCardless — 2 operation(s) for billing_request_flows.

GoCardless billing_requests API

The billing_requests API from GoCardless — 2 operation(s) for billing_requests.

GoCardless blocks API

The blocks API from GoCardless — 2 operation(s) for blocks.

GoCardless creditor_bank_accounts API

The creditor_bank_accounts API from GoCardless — 1 operation(s) for creditor_bank_accounts.

GoCardless creditors API

The creditors API from GoCardless — 2 operation(s) for creditors.

GoCardless customer_bank_accounts API

The customer_bank_accounts API from GoCardless — 2 operation(s) for customer_bank_accounts.

GoCardless customers API

The customers API from GoCardless — 2 operation(s) for customers.

GoCardless events API

The events API from GoCardless — 2 operation(s) for events.

GoCardless instalment_schedules API

The instalment_schedules API from GoCardless — 2 operation(s) for instalment_schedules.

GoCardless institutions API

The institutions API from GoCardless — 1 operation(s) for institutions.

GoCardless mandates API

The mandates API from GoCardless — 3 operation(s) for mandates.

GoCardless payer_authorisations API

The payer_authorisations API from GoCardless — 2 operation(s) for payer_authorisations.

GoCardless payments API

The payments API from GoCardless — 3 operation(s) for payments.

GoCardless payouts API

The payouts API from GoCardless — 2 operation(s) for payouts.

GoCardless refunds API

The refunds API from GoCardless — 2 operation(s) for refunds.

GoCardless subscriptions API

The subscriptions API from GoCardless — 3 operation(s) for subscriptions.

Scroll for all 16

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

GoCardless REST API

OPEN COLLECTION

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

GoCardless Webhooks

AsyncAPI description of the GoCardless webhook surface. GoCardless POSTs a JSON envelope containing one or more events (up to 250 per request) to each subscribed `webhook_endpoi...

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

GoCardless API Rules

6 rules · 1 errors 5 warnings

SPECTRAL

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Gocardless Authentication

http · 1 scheme

SECURITY

Gocardless Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Gocardless Vulnerability Disclosure

security.txt · contact published

SECURITY

Gocardless Trust Center

ISO/IEC 27001, FCA authorisation, PCI DSS

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Gocardless Scopes

1 scope

1 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Gocardless Agentic Access

48 operations · 21 acting

48 operations · 21 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

Sandbox
Sandbox
 Signup
Signup

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 LlmsText
LlmsText

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Components
Components
 DataModel
DataModel

Build 2

SDKs, sample code, and the tooling you integrate with

DeclineCodes
DeclineCodes
 GitHubOrganization
GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 Authentication
Authentication
 TrustCenter
TrustCenter
 OAuthScopes
OAuthScopes

Operate 3

Status, limits, changes, and where to get help

ChangeLog
ChangeLog
 Support
Support
 StatusPage
StatusPage

Commercial 1

Pricing, plans, and the legal terms of use

Pricing
Pricing

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: gocardless
name: GoCardless
description: GoCardless is a global account-to-account payments platform specializing in pull-based bank debit (UK Bacs, SEPA
  Direct Debit, ACH, BECS, PAD, Autogiro) and open-banking instant bank payments, used by businesses to collect recurring
  subscriptions, invoices, and one-off payments directly from customer bank accounts. The GoCardless REST API exposes customers,
  bank accounts, mandates, payments, payouts, subscriptions, refunds, events, webhooks, and verification flows. Authentication
  uses Bearer access tokens issued from the dashboard, with separate sandbox and live environments; every request must include
  a GoCardless-Version header.
type: Index
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/gocardless.png
tags:
- Payments
- Direct Debit
- Bank Debit
- Recurring Payments
- Subscriptions
- SEPA
- Bacs
- ACH
- Open Banking
- Fintech
url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/apis.yml
created: '2026-05-11'
modified: '2026-05-30'
specificationVersion: '0.19'
apis:
- aid: gocardless:gocardless-billing-request-flows-api
  name: GoCardless billing_request_flows API
  description: The billing_request_flows API from GoCardless — 2 operation(s) for billing_request_flows.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - billing_request_flows
  properties:
  - type: OpenAPI
    url: openapi/gocardless-billing-request-flows-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-billing-requests-api
  name: GoCardless billing_requests API
  description: The billing_requests API from GoCardless — 2 operation(s) for billing_requests.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - billing_requests
  properties:
  - type: OpenAPI
    url: openapi/gocardless-billing-requests-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-blocks-api
  name: GoCardless blocks API
  description: The blocks API from GoCardless — 2 operation(s) for blocks.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - blocks
  properties:
  - type: OpenAPI
    url: openapi/gocardless-blocks-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-creditor-bank-accounts-api
  name: GoCardless creditor_bank_accounts API
  description: The creditor_bank_accounts API from GoCardless — 1 operation(s) for creditor_bank_accounts.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - creditor_bank_accounts
  properties:
  - type: OpenAPI
    url: openapi/gocardless-creditor-bank-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-creditors-api
  name: GoCardless creditors API
  description: The creditors API from GoCardless — 2 operation(s) for creditors.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - creditors
  properties:
  - type: OpenAPI
    url: openapi/gocardless-creditors-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-customer-bank-accounts-api
  name: GoCardless customer_bank_accounts API
  description: The customer_bank_accounts API from GoCardless — 2 operation(s) for customer_bank_accounts.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - customer_bank_accounts
  properties:
  - type: OpenAPI
    url: openapi/gocardless-customer-bank-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-customers-api
  name: GoCardless customers API
  description: The customers API from GoCardless — 2 operation(s) for customers.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - customers
  properties:
  - type: OpenAPI
    url: openapi/gocardless-customers-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-events-api
  name: GoCardless events API
  description: The events API from GoCardless — 2 operation(s) for events.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - events
  properties:
  - type: OpenAPI
    url: openapi/gocardless-events-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-instalment-schedules-api
  name: GoCardless instalment_schedules API
  description: The instalment_schedules API from GoCardless — 2 operation(s) for instalment_schedules.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - instalment_schedules
  properties:
  - type: OpenAPI
    url: openapi/gocardless-instalment-schedules-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-institutions-api
  name: GoCardless institutions API
  description: The institutions API from GoCardless — 1 operation(s) for institutions.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - institutions
  properties:
  - type: OpenAPI
    url: openapi/gocardless-institutions-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-mandates-api
  name: GoCardless mandates API
  description: The mandates API from GoCardless — 3 operation(s) for mandates.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - mandates
  properties:
  - type: OpenAPI
    url: openapi/gocardless-mandates-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-payer-authorisations-api
  name: GoCardless payer_authorisations API
  description: The payer_authorisations API from GoCardless — 2 operation(s) for payer_authorisations.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - payer_authorisations
  properties:
  - type: OpenAPI
    url: openapi/gocardless-payer-authorisations-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-payments-api
  name: GoCardless payments API
  description: The payments API from GoCardless — 3 operation(s) for payments.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - payments
  properties:
  - type: OpenAPI
    url: openapi/gocardless-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-payouts-api
  name: GoCardless payouts API
  description: The payouts API from GoCardless — 2 operation(s) for payouts.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - payouts
  properties:
  - type: OpenAPI
    url: openapi/gocardless-payouts-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-refunds-api
  name: GoCardless refunds API
  description: The refunds API from GoCardless — 2 operation(s) for refunds.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - refunds
  properties:
  - type: OpenAPI
    url: openapi/gocardless-refunds-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
- aid: gocardless:gocardless-subscriptions-api
  name: GoCardless subscriptions API
  description: The subscriptions API from GoCardless — 3 operation(s) for subscriptions.
  humanURL: https://developer.gocardless.com/api-reference/
  baseURL: https://api.gocardless.com
  tags:
  - subscriptions
  properties:
  - type: OpenAPI
    url: openapi/gocardless-subscriptions-api-openapi.yml
  - type: Documentation
    url: https://developer.gocardless.com/api-reference/
  - type: GettingStarted
    url: https://developer.gocardless.com/getting-started/set-up/
  - type: Sandbox
    url: https://api-sandbox.gocardless.com
  - type: PostmanCollection
    url: https://www.postman.com/gocardlessapi/gocardless-api/overview
  - type: AsyncAPI
    url: https://raw.githubusercontent.com/api-evangelist/gocardless/refs/heads/main/asyncapi/gocardless-asyncapi.yml
common:
- type: AgenticAccess
  url: agentic-access/gocardless-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/gocardless-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/gocardless-domain-security.yml
- type: Authentication
  url: authentication/gocardless-authentication.yml
- type: TrustCenter
  url: security/gocardless-trust-center.yml
- type: OAuthScopes
  url: scopes/gocardless-scopes.yml
- type: Sandbox
  url: sandbox/gocardless-sandbox.yml
- type: Conventions
  url: conventions/gocardless-conventions.yml
- type: ChangeLog
  url: changelog/gocardless-changelog.yml
- type: Components
  url: components/gocardless-components.yml
- type: DataModel
  url: data-model/gocardless-data-model.yml
- type: DeclineCodes
  url: errors/gocardless-decline-codes.yml
- type: GitHubOrganization
  url: https://github.com/gocardless
- type: LinkedIn
  url: https://www.linkedin.com/company/gocardless
- type: Website
  url: https://gocardless.com
- type: Documentation
  url: https://developer.gocardless.com
- type: Pricing
  url: https://gocardless.com/pricing/
- type: Signup
  url: https://manage.gocardless.com/signup
- type: Support
  url: https://hub.gocardless.com
- type: StatusPage
  url: https://www.gocardless-status.com
- type: LlmsText
  url: https://developer.gocardless.com/llms.txt
- url: https://gocardless.com/blog/
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com