SSL securedWhy choose when your customers want both?
39% of French consumers are uncomfortable with online card subscriptions. SEPA direct debit has lower fees and higher retention. But most platforms only support one.
Cards expire and fail
Credit cards expire every 2–3 years. Each expiration is a potential churn event. SEPA mandates don't expire.
SEPA covers all of Europe
36 countries, 500+ million bank accounts. SEPA is the standard for B2B and high-value B2C subscriptions in Europe.
Lower transaction fees
GoCardless SEPA fees are typically 0.25€ + 0.3%, vs 1.5% + 0.25€ for Stripe card payments. Significant savings on recurring billing.
Customers trust bank debits
Many European customers — especially B2B and older demographics — prefer bank debit over entering card numbers online.
Two dashboards, double the work
If you manage Stripe and GoCardless separately, you have two sets of webhooks, two customer lists, two invoicing workflows.
Most platforms pick one
Chargebee, Memberstack, Podia, Teachable — they support Stripe. Maybe PayPal. But GoCardless SEPA? Almost never.
Both payment methods. One checkout.
PayFacile integrates Stripe and GoCardless natively. Your customers choose their preferred payment method at checkout. You manage everything from one dashboard.
Stripe + GoCardless native
Connect both payment providers via OAuth. No plugins, no middleware, no custom code.
Unified checkout page
One branded checkout page where customers pick card or SEPA. No redirects, no separate flows.
Same subscription, two methods
Offer the same product with both payment methods. Customers switch without losing their subscription.
Unified invoicing
One invoice format whether the customer paid by card or SEPA. Consistent, compliant, automatic.
Single customer view
All customers in one list regardless of payment method. No cross-referencing dashboards.
Automatic notifications
Payment confirmations, mandate setup alerts, failed payment recovery — handled for both methods.
How it works
Connect Stripe and GoCardless
One-click OAuth for each. Your existing accounts, your existing funds. Both connected in under 5 minutes.
Create products with dual payment
Set up your products and subscriptions. Enable both card and SEPA as payment options.
Customers choose at checkout
On your branded payment page, customers pick card or SEPA direct debit. Both flows are fully managed.
Manage from one dashboard
Track all payments, subscriptions, and invoices in one place. No more switching between Stripe and GoCardless dashboards.
Frequently asked questions
Yes. When you enable both Stripe and GoCardless, your checkout page shows both payment options. The customer picks their preferred method, and PayFacile handles the rest — subscription creation, invoicing, and notifications.
Stripe card fees are typically 1.5% + 0.25€ per transaction. GoCardless SEPA fees are around 0.25€ + 0.3%. For a 50€/month subscription, that’s 1.00€ via card vs 0.40€ via SEPA. Over a year with 100 subscribers, you save over 700€.
Yes. You'll need both a Stripe account (for card payments) and a GoCardless account (for SEPA). PayFacile connects to both via OAuth. Creating a GoCardless account is free and takes a few minutes.
SEPA covers 36 countries including all EU member states, plus the UK, Switzerland, Norway, Iceland, Liechtenstein, Monaco, San Marino, Andorra, and Vatican City. That’s over 500 million bank accounts.
Yes. Customers can update their payment method through their buyer portal. They can switch from card to SEPA or vice versa without interrupting their subscription.
Both. SEPA direct debit works for one-time payments and recurring subscriptions. However, SEPA has a 2–5 business day settlement time vs instant for cards, so it’s most popular for subscriptions and B2B invoicing.
Related pages
Give your customers the choice they want.
Cards + SEPA. One checkout. One dashboard.
Free to start · No credit card required
