Compare

Pay Advantage vs GoCardless

GoCardless specialises in direct debit. Pay Advantage does direct debit for a flat fee per payment — and adds cards, PayID and BPAY in the same account, so a customer who wants to pay another way does not need a second provider.

A $1,350 bank payment request in the Pay Advantage app
A $1,000 direct debit from a bank accountWhat it costs you
  • Pay Advantage$0.88
  • GoCardless$4.40 $3.52 more than Pay Advantage
Published rates, GST included. Checked 27 October 2026.

Fees compared

Pay Advantage and GoCardless fees, side by side.

As published on GoCardless’s Australian pricing page on 27 October 2026. GoCardless publishes its fees excluding GST. We have added 10% GST when working out the differences, so they compare like for like.

Compared on a $500 paymentColoured figures show how much more or less each provider costs than Pay Advantage. Red costs you more, green costs you less.

Pay Advantage and GoCardless fees by payment method
PaymentPay AdvantageGoCardless
Card payment (domestic)28¢ + 1.45%Not published
Direct debit from a bank account88¢Fixed cost40¢ + 1%, max $4.00 + GST$3.52 more than Pay Advantage on a $500 paymentVariable cost
PayID48¢Not published
BPAY$1.98Not published

— No published price for this payment.

Pay Advantage fees include GST. A monthly commitment is required to qualify for published pricing, and rates may vary with volume and underwriting.

Features compared

What you get, beyond the fees.

Taken from each provider’s own website, including where they offer more than we do. A tick means the feature is listed there, a short note means it comes with a catch, and a dash means we couldn’t find it — the provider may still offer it.

Features offered by Pay Advantage and GoCardless
FeaturePay AdvantageGoCardless
Ways to get paid
Visa and MastercardYesNot listed
American ExpressYesNot listed
Apple Pay and Google PayYesNot listed
Bank account debitYesYes
PayIDYesNot listed
PayToYesEarly access
BPAYYesNot listed
Buy now, pay laterNot offeredNot listed
Card terminals or Tap to PayComing soonNot listed
Point-of-sale systemNot offeredNot listed
International paymentsYesYes
Recurring billing
Recurring payments by cardYesNot listed
Recurring payments by bank accountYesYes
Recurring payment templatesYesYes
Sign-up page where customers pick their planYesOne plan per link
Batch debitingYesYes
Automatic retries for failed paymentsYesYes
Digital direct debit agreements with your own termsYesNot listed
Getting paid
Dynamic payment linksYesYes
Payment requests by email and SMSYesEmail only
Payment portal where customers pay by referenceYesNot listed
Pay-any-amount page, for donationsYesNot listed
Built-in invoicingYesNot listed
Card authorisationsYesNot listed
Virtual terminal for phone paymentsYesPhone mandates only
Automated phone (IVR) paymentsNot offeredNot listed
Your customers
SMS and email remindersYesEmail only
Receipt linksYesNot listed
Customer notesYesReferences only
Your branding on the customer portalYesYes
Managing card costs
Surcharge non-card paymentsYesNot listed
Switch off card paymentsYesYes
Discounts for paying without a cardYesNot listed
Tools and integrations
Xero integrationYesYes
Recurring billing from XeroYesYes
QuickBooks or MYOB integrationNot offeredYes
CRM integration, such as HubSpotNot offeredYes
Full APIYesYes
WebhooksYesYes
Reporting and payment analysisYesYes
Partner programYesYes

— Not listed on the provider’s website.

Which one fits

GoCardless or Pay Advantage?

GoCardless may suit you if…

  • You collect bank payments in several countries and want one direct debit provider across them.
  • You only need bank payments and never take cards.

Pay Advantage may suit you if…

  • You want direct debit priced as a flat fee, so a $2,000 payment costs the same as a $20 one.
  • Some customers want to pay by card, PayID or BPAY, and you want all of it in one place.
  • You want local, Australian-based support you can call.
FAQs
Pay Advantage vs GoCardless, answered
Is Pay Advantage cheaper than GoCardless for direct debit?

On debits over $40, yes. GoCardless charges a percentage plus a fixed fee, up to a cap, before GST. Pay Advantage charges a flat fee per bank debit, GST included, so the gap grows with the size of the payment — the fees table on this page shows the difference on a $500 payment. Pay Advantage pricing requires a monthly commitment.