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GoCardless vs Tink

GoCardless vs Tink

See how GoCardless and Tink stack up. Explore their features, use cases, and compliance to find the open-banking provider that best supports your business goals.

Introduction

Introduction

How does GoCardless compare with Tink?

Tink and GoCardless both provide payments infrastructure supporting instant and recurring payments, account information services, and compliant payment flows. Tink focuses on open banking use cases and extensive European bank connectivity, with access to more than 6,000 institutions, alongside features such as white labelling, fraud prevention, and smart routing. GoCardless, on the other hand, connects to over 2,500 banks and is widely used for recurring payment models across multiple regions.

Introduction

How does GoCardless compare with Tink?

Tink and GoCardless both provide payments infrastructure supporting instant and recurring payments, account information services, and compliant payment flows. Tink focuses on open banking use cases and extensive European bank connectivity, with access to more than 6,000 institutions, alongside features such as white labelling, fraud prevention, and smart routing. GoCardless, on the other hand, connects to over 2,500 banks and is widely used for recurring payment models across multiple regions.

This information is provided for general informational purposes only and is based on publicly available sources as of January 2026. It is intended solely to describe certain third party products and services in a factual and non evaluative manner. We do not represent, endorse, or have any affiliation, partnership, or commercial relationship with any third party provider unless explicitly stated. Product features, service scope, and regulatory permissions may change over time and may differ depending on jurisdiction. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. For corrections or updates, please contact shifa.rahaman@getivy.io.

This comparison is based on publicly accessible information as of January 2026. Where specific product information could not be identified or verified from public sources with reasonable effort, it is indicated as “not specified.” This reflects limitations of publicly available information only and does not imply the absence or inferiority of any feature or service. Product offerings and regulatory status may change over time. This comparison is provided for informational purposes only and does not constitute an exhaustive market assessment. Product offerings, features, regulatory permissions, and commercial terms may change over time. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. No affiliation, partnership, endorsement, or commercial relationship with any third party provider is implied by this comparison. For any comments, concerns or changes, reach out to shifa.rahaman@getivy.io.

This information is provided for general informational purposes only and is based on publicly available sources as of January 2026. It is intended solely to describe certain third party products and services in a factual and non evaluative manner. We do not represent, endorse, or have any affiliation, partnership, or commercial relationship with any third party provider unless explicitly stated. Product features, service scope, and regulatory permissions may change over time and may differ depending on jurisdiction. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. For corrections or updates, please contact shifa.rahaman@getivy.io.

This information is provided for general informational purposes only and is based on publicly available sources as of January 2026. It is intended solely to describe certain third party products and services in a factual and non evaluative manner. We do not represent, endorse, or have any affiliation, partnership, or commercial relationship with any third party provider unless explicitly stated. Product features, service scope, and regulatory permissions may change over time and may differ depending on jurisdiction. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. For corrections or updates, please contact shifa.rahaman@getivy.io.

Versus

Versus

Versus

GoCardless vs Tink

Here’s a breakdown of GoCardless and Tink across products, compliance, use cases, and regions.

Product

Instant Payments

Instant Payments

Instant Payments

Manual Bank Transfer

Not Specified

Not Specified

Manual Bank Transfer

Not Specified

Not Specified

Manual Bank Transfer

Not Specified

Not Specified

Multi-Currency Accounts

Not Specified

Not Specified

Multi-Currency Accounts

Not Specified

Not Specified

Multi-Currency Accounts

Not Specified

Not Specified

Stablecoin Settlement

Not Specified

Not Specified

Stablecoin Settlement

Not Specified

Not Specified

Stablecoin Settlement

Not Specified

Not Specified

End-User Virtual Ibans

Not Specified

Not Specified

End-User Virtual Ibans

Not Specified

Not Specified

End-User Virtual Ibans

Not Specified

Not Specified

Instant Fiat Payouts

Instant Fiat Payouts

Instant Fiat Payouts

Stablecoin Payouts

Not Specified

Not Specified

Stablecoin Payouts

Not Specified

Not Specified

Stablecoin Payouts

Not Specified

Not Specified

Recurring Payments

Recurring Payments

Recurring Payments

Account Information Services

Account Information Services

Account Information Services

Features

Smart Routing Engine

Not Specified

Smart Routing Engine

Not Specified

Smart Routing Engine

Not Specified

Conversion Rates

High

High

Conversion Rates

High

High

Conversion Rates

High

High

Coverage

2500+ banks

6000+ banks

Coverage

2500+ banks

6000+ banks

Coverage

2500+ banks

6000+ banks

Fraud Prevention

Fraud Prevention

Fraud Prevention

White Labelling

White Labelling

White Labelling

Support

Premium Support

Dedicated Account Managers

Support

Premium Support

Dedicated Account Managers

Support

Premium Support

Dedicated Account Managers

Industry

Crypto

Not Specified

Crypto

Not Specified

Crypto

Not Specified

Financial Services

Financial Services

Financial Services

Marketplaces & ECommerce

Marketplaces & ECommerce

Marketplaces & ECommerce

Trading

Trading

Trading

Tink and GoCardless are both payments infrastructure providers supporting fast, compliant payment flows for businesses. Tink supports instant and recurring payments, account information services, and connectivity to a large number of banks, with coverage across more than 6,000 institutions in Europe. Additional features include white labelling, fraud prevention, and a smart routing engine.

GoCardless also supports instant and recurring payments alongside account information services, with bank coverage across more than 2,500 institutions. Its platform includes white labelling, fraud prevention, and high conversion rates, with premium support available depending on plan.

Use Tink if you:

  • Need broad European bank connectivity

  • Want white-labelled payments and account information services

Use GoCardless if you:

  • Rely on recurring payments across multiple regions

  • Operate subscription, non-profit, or utilities business models

Ready for the future of money?

Ready for the future of money?

Ready for the future of money?

Ready for the future of money?

Money, at internet speed

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money, at internet speed

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money, at
internet speed

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money, at internet speed

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.