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GoCardless is the UK's leading Direct Debit provider, purpose-built for recurring payments. UK subscription businesses, gyms, and SaaS companies collect payments automatically from customer bank accounts — with lower fees than cards and fewer failed payments. Pricing is 1% + 20p per UK payment (capped). It integrates with Xero, QuickBooks, Stripe, and 400+ apps. Fully regulated by the FCA and GDPR compliant. For any UK business collecting regular payments, GoCardless is the default infrastructure choice alongside card processors.