United Kingdom · Payments & e-money
Gocardless LTD
GoCardless Ltd is a private limited company incorporated in England and Wales in 2011, with its head office in London. The FCA authorises it as an authorised payment institution under the Payment Services Regulations 2017 (reference 597190). Since 1 September 2026 it has belonged to the Mollie group, which holds it through GoCardless Holdings (UK) Limited. It collects payments for businesses by Direct Debit and Pay by Bank (open banking) and also offers outbound payments. It serves merchants in the UK, Australia, New Zealand and other markets outside Europe. Its US payment services run through a programme sponsored by Community Federal Savings Bank.
Licences and registrations
Held by Gocardless LTD (LEI 25490076D2BHGL7IT794). 4 entries on 3 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| FCA Financial Services Register - Payment Institutions & RAISPsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised Payment InstitutionPayment Institution | 597190 | United Kingdom | Active | 2018-06-11 | — |
|
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| HMRC MLR Supervised Business RegisterHMRCLinked by LEI. Matched by Elucidate on the UK company number the register gives. | Money Service BusinessMoney Transmitter / Remittance | XGML00000193058 | United Kingdom | Active | 2024-12-01 | — |
|
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| Money Services Business RegistryFINTRACLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Foreign MSB (FMSB)Money Transmitter / Remittance | M22736396 | Canada | Active | 2022-12-22 | Renews 2027-12-16 |
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| FCA Financial Services Register - Payment Institutions & RAISPsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Small Payment InstitutionPayment Institution | 553273 | United Kingdom | Cancelled - Small PI | — | Ended 2013-10-25 |
|
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Licences and registrations listed here were granted in Canada. This BIC is registered in the United Kingdom.
Trading names on the register: Nuapay (FCA-PSD, HMRC-MLR)
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- GOCDGB22XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of GOCDGB22 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- Other BIC with this LEI
- GOCRGB22
- BIC first registered
- 2025-06-07
- Last updated
- 2025-06-07
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
GoCardless Holdings (UK) Limited
Firm type
Merchant acquiring and processing
Trades as GoCardless
- Standing
- Mollie completed its acquisition of the GoCardless group on 1 September 2026. The firm continues to trade as "GoCardless, a Mollie company". Mollie stated that existing customers would see no immediate changes to services, contacts or contracts.
- Ownership
- GoCardless Holdings (UK) Limited (Companies House 15938440) holds 75% or more of the shares, and Mollie completed its acquisition of the GoCardless group on 1 September 2026.
- Direct parent
- GoCardless Holdings (UK) Limited, United Kingdom
- Ultimate owner
- Mollie, Netherlands
- Head office
- Sutton Yard, 65 Goswell Road, EC1V 7EN London, United Kingdom
- Company register
- Companies House 07495895
- Incorporated
- 17 Jan 2011
- Founders
- Hiroki Takeuchi · Matt Robinson · Tom Blomfield
Online
- Websites & references
- gocardless.com ↗
docs.gocardless.com ↗ developer documentation
support.gocardless.com ↗ merchant support centre
payersupport.gocardless.com ↗ payer support centre
gocardless-status.com ↗ service status page
Wikipedia ↗ group article - Official social accounts
- LinkedIn ↗
Sources · 16 pages consulted
- gocardless.com/
- gocardless.com/g/regulatory-info
- gocardless.com/legal/general-terms-self-serve-all
- gocardless.com/faq/merchants/security
- gocardless.com/about
- find-and-update.company-information.service.gov.uk/company/07495895/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/07495895/officers
- find-and-update.company-information.service.gov.uk/company/07495895
- gocardless.com/blog/gocardless-grows-in-fy-25
- gocardless.com/blog/mollie-and-gocardless-combine
- gocardless.com/blog/mollie-to-acquire-gocardless
- mollie.com/news/mollie-to-acquire-gocardless
- gocardless.com/en-us/blog/gocardless-secures-312m-to-accelerate-growth-in-open-banking
- permira.com/news-and-insights/announcements/gocardless-joins-tech-unicorns-as-it-secures-usd312-milli
- tech.eu/2026/04/13/gocardless-sees-revenue-boost-plans-to-cut-around-90-roles/
- en.wikipedia.org/wiki/GoCardless
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Several models
- Licensed firm it operates under
- Community Federal Savings Bank, United States US payment services provided by GoCardless Ltd via a program sponsored by Community Federal Savings Bank
The FCA authorises the firm as an authorised payment institution under the Payment Services Regulations 2017. In Australia it holds an Australian Financial Services licence. Its US services run under a programme sponsored by Community Federal Savings Bank.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority (FCA) United Kingdom | Authorised Payment Institution | 597190 | In its own name | Active | gocardless.com ↗ |
| HM Revenue & Customs (HMRC) United Kingdom | Money Service Business (Money Laundering Regulations supervised business register) | XGML00000193058 | In its own name | Active | — |
| Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) Canada | Foreign Money Services Business registration | M22736396 | In its own name | Active | — |
| Australian Securities and Investments Commission (ASIC) Australia | Australian Financial Services licence | 478976 | In its own name | Active | gocardless.com ↗ |
| Department of Internal Affairs New Zealand | Reporting entity registration | 6978913 | In its own name | Active | gocardless.com ↗ |
| Financial Conduct Authority (FCA) United Kingdom | Small Payment Institution | 553273 | In its own name | Withdrawn or expired | — |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that all money it collects is held in client monies accounts at partner banks, in accordance with safeguarding provisions.
- Safeguarding bank
- Royal Bank of Scotland United Kingdom
- Safeguarding bank
- Barclays Bank United Kingdom
- Safeguarding bank
- BNP Paribas France
- Safeguarding bank
- Danske Bank Denmark
- Safeguarding bank
- JP Morgan United States
- Safeguarding bank
- RBC Canada
- Sponsor bank · Safeguarding bank
- Community Federal Savings Bank (CFSB) United States
- Safeguarding bank
- ASB New Zealand
- Payment schemes and card networks
- Bacs Direct Debit Through a partner gocardless.com ↗
Faster Payments Access not stated gocardless.com ↗
ACH Through a partner gocardless.com ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It collects recurring and one-off payments for businesses by bank debit and Pay by Bank, and it sends outbound account-to-account payments. Its terms restrict the service to businesses and charities.
Under its terms, GoCardless Ltd contracts with merchants in the UK, Australia, New Zealand and other markets outside Europe. GoCardless SAS serves EEA merchants and GoCardless Inc. serves most US merchants.
- Revenue
- GBP 155.5m
- Payment volume
- GBP 79.2bnvolume of payments processed
- Sells to
- Small businesses · Enterprises · Platforms and marketplaces
- Serves customers in 5 countries
- United Kingdom · Australia · New Zealand · United States · Canada
- Latest funding round
- Series G · USD 312m Feb 2022Led by Permira
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Hiroki Takeuchi Co-founder and CEO; director and company secretary
- Executive
- Catherine Birkett Director
Recent events
Researched 29 Sep 2026 · Sources
-
Merger / acquisition
Mollie completed its acquisition of GoCardless on 1 September 2026, and the firm now trades as "GoCardless, a Mollie company".
gocardless.com ↗ -
Other
The firm's FY2025 filing disclosed a restructuring, including a GBP 4.2 million provision for redundancies affecting around 90 roles.
tech.eu ↗ -
Merger / acquisition
Mollie signed an agreement to acquire GoCardless, subject to regulatory approvals.
gocardless.com ↗ -
Other
GoCardless Holdings (UK) Limited became the firm's registered person with significant control, holding 75% or more of its shares.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Paul Stoddart resigned as a director of the firm on 30 April 2025.
find-and-update.company-information.service.gov.uk ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- GOCDGB22XXX
- How the BIC breaks down
- GOCDBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 25490076D2BHGL7IT794
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 597190
- Licence no. · HMRC-MLR
- XGML00000193058
- Licence no. · FINTRAC-MSB
- M22736396
- Licence no. · FCA-PSD
- 553273
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entries: Matched by Elucidate on the UK company number the register gives.Register entry: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry IDs
- fcd354485d69 · 86b141c7fd76
Profile
- Type
- Payments & e-money · Money service businessPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 4 entries on 3 registers
- Activities
- Payment services
- Money remittance
- Currency exchange
- Licensed in
- United Kingdom · Canada
- Website (register)
- gocardless.com ↗
- Country · region
- United Kingdom · Europe & Central Asia
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Direct parent
- Groupay Inc. · United States254900Q1DHWYU2OXG368 ↗
The Groupay Inc. group has 3 institutions in the directory, in 2 countries: all hold a BIC.
Including Sentenial LTD.
See the Groupay Inc. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 65 GOSWELL ROAD LONDON EC1V 7EN UNITED KINGDOM
- Operational address
- 65 GOSWELL ROAD LONDON LONDON EC1V 7EN UNITED KINGDOM
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>GOCDGB22XXX</BICFI>
<LEI>25490076D2BHGL7IT794</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>GOCDGB22XXX</BICFI>
<LEI>25490076D2BHGL7IT794</LEI>
<Nm>GOCARDLESS LTD</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>65 GOSWELL ROAD LONDON EC1V 7EN</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- FCA Financial Services Register - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- HMRC MLR Supervised Business Register—HM Revenue & Customs (HMRC) · register ↗ as at 24 September 2026
- Money Services Business Registry—Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) · register ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: gocardless.com (official website) · original.
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