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Payments and merchant services / YOUR COMPARISON
50% evidence coverage
With AI excluded: 53–100/100
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Businesses collecting predictable bank payments and wanting automated failed-payment recovery.
The reviewed supplier page explicitly serves the UK market.
The first number is earned from documented features. Unverified capabilities create the range. Product scores do not establish the quality, reliability or price of a particular plan.
| Capability & demo question | GoCardless50–100/100 documented fit |
|---|---|
Core workflowOnline card acceptance5.0 points availableAsk in the demoComplete a test UK card purchase and inspect its payment status. | ? Not verified Not verified in the reviewed material; confirm online card acceptance. 0.0–5.0 / 5.0 points |
Core workflowApple Pay and Google Pay5.0 points availableAsk in the demoDemonstrate the wallet checkout on a supported device. | ? Not verified Not verified in the reviewed material; confirm apple pay and google pay. 0.0–5.0 / 5.0 points |
Core workflowHosted checkout or payment links5.0 points availableAsk in the demoCreate a hosted checkout link without rebuilding the website. | ✓ Supported Branded hosted pages and embedded forms. 5.0 / 5.0 pointsEvidence ↗ |
Core workflowRecurring payment collection5.0 points availableAsk in the demoCreate a recurring collection and show the customer's authorisation. | ✓ Supported Subscriptions, instalments and memberships. 5.0 / 5.0 pointsEvidence ↗ |
Core workflowUK bank payments or Direct Debit5.0 points availableAsk in the demoDemonstrate a UK bank-payment or Bacs mandate journey. | ✓ Supported Direct Debit collection and mandate setup. 5.0 / 5.0 pointsEvidence ↗ |
Core workflowFull and partial refunds5.0 points availableAsk in the demoRefund part of a settled sale and inspect both accounting entries. | ? Not verified Not verified in the reviewed material; confirm full and partial refunds. 0.0–5.0 / 5.0 points |
Core workflowTransaction and settlement reporting5.0 points availableAsk in the demoFind a payment and reconcile its fees to the net settlement. | ? Not verified Not verified in the reviewed material; confirm transaction and settlement reporting. 0.0–5.0 / 5.0 points |
Workflow depthConnected in-person payments5.0 points availableAsk in the demoTake a terminal payment and locate it alongside online activity. | ? Not verified Not verified in the reviewed material; confirm connected in-person payments. 0.0–5.0 / 5.0 points |
Workflow depthStrong customer authentication workflow5.0 points availableAsk in the demoShow a 3DS challenge, failed authentication and the return to checkout. | ? Not verified Not verified in the reviewed material; confirm strong customer authentication workflow. 0.0–5.0 / 5.0 points |
Workflow depthStored payment credentials5.0 points availableAsk in the demoSave a customer payment method with permission and reuse it safely. | ? Not verified Not verified in the reviewed material; confirm stored payment credentials. 0.0–5.0 / 5.0 points |
Workflow depthFailed-payment recovery5.0 points availableAsk in the demoSimulate a failed recurring payment and inspect the retry schedule. | ✓ Supported Success+ recovers failed payments. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthDispute evidence management5.0 points availableAsk in the demoLocate a chargeback, submit supporting evidence and track its deadline. | ✓ Supported Protect+ supports chargeback challenges on Pro. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthInternational currency acceptance5.0 points availableAsk in the demoCollect in a foreign currency and explain conversion and settlement fees. | ✓ Supported International collection with Wise-powered conversion. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthAccounting or commerce integrations5.0 points availableAsk in the demoTrace a payment into the accounting or shop system. | ✓ Supported Named accounts and billing integrations. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthDocumented payment API5.0 points availableAsk in the demoShow API documentation for creating and inspecting a transaction. | ✓ Supported Documented customers, payments, refunds and payout endpoints. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthWebhooks and payment-event handling5.0 points availableAsk in the demoDemonstrate receipt, retry and deduplication of a payment event. | ✓ Supported Signed event notifications and handler guidance. 5.0 / 5.0 pointsEvidence ↗ |
Workflow depthRestricted operational permissions5.0 points availableAsk in the demoLet support refund within its authority without changing bank details. | ? Not verified Not verified in the reviewed material; confirm restricted operational permissions. 0.0–5.0 / 5.0 points |
AIMachine-learning fraud screening5.0 points availableAsk in the demoInspect an ML risk decision and the merchant's available response. | ? Not verified Not verified in the reviewed material; confirm machine-learning fraud screening. 0.0–5.0 / 5.0 points |
AIPredictive acceptance or retry optimisation5.0 points availableAsk in the demoShow how model-driven timing or routing differs from a fixed rule. | ✓ Supported ML selects retry timing; merchant sets timeframe. 5.0 / 5.0 pointsEvidence ↗ |
AIReviewable AI decisions or evidence5.0 points availableAsk in the demoInspect the signals, evidence or review queue behind an AI recommendation. | ? Not verified Not verified in the reviewed material; confirm reviewable ai decisions or evidence. 0.0–5.0 / 5.0 points |
“Not verified” means the recorded evidence does not settle this specific check. It does not mean the feature is absent. Read the scoring method.