# GoCardless

**Canonical:** https://apis.io/providers/gocardless/  
**Website:** https://gocardless.com  
**APIs profiled:** 16

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.

## Kin Score — 44.0 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 44.0).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 60.1 |
| Governance | 11.4 |
| Contract Governance | 11.4 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 28.6 |
| Commercial Clarity | 31.6 |
| Access Clarity | 31.6 |

Regulatory layer — **Banking & Open Finance**: 50.6 (matched via tags).

## Agent readiness — 32.8 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | derived |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (16)

- **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.

## Agentic access (1)

- **Gocardless Agentic Access** — 48 operations · 21 acting

## Security (4)

- **Gocardless Authentication** — http · 1 scheme
- **Gocardless Domain Security** — TLSv1.3 · HSTS · DMARC
- **Gocardless Vulnerability Disclosure** — security.txt · contact published
- **Gocardless Trust Center** — ISO/IEC 27001, FCA authorisation, PCI DSS

## Tags

Payments, Direct Debit, Bank Debit, Recurring Payments, Subscription, SEPA, Bacs, ACH, Open Banking, Fintech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/gocardless/). Scores are computed from the provider's own public artifacts under a published rubric.