{
 "categories": [
  "payments",
  "fintech"
 ],
 "deployment": "saas",
 "evidence": [
  {
   "date": "2026-10-06",
   "fact": "homepage",
   "note": "GoCardless presents hosted bank payment collection and payouts, including Direct Debit, Pay by Bank, and outbound payments, and links developer docs.",
   "source": "https://gocardless.com/",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "vendor",
   "note": "The public homepage identifies the product and vendor as GoCardless.",
   "source": "https://gocardless.com/",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "deployment",
   "note": "Sandbox and live are hosted dashboards and API hosts. The set-up guide does not present a self-host edition.",
   "source": "https://developer.gocardless.com/getting-started/set-up",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "platforms[0]",
   "note": "Merchant setup uses the hosted dashboard. Official iOS and Android packages on the same page are client libraries, not a merchant console this pass treated as a platform.",
   "source": "https://developer.gocardless.com/getting-started/set-up",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "license",
   "note": "Sandbox is a free testing environment. Live is the separate environment for taking real payments, so the product is commercial.",
   "source": "https://developer.gocardless.com/getting-started/set-up",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.api.exists",
   "note": "GoCardless publishes an API reference with live and sandbox base URLs and groups of endpoints for billing, mandates, payments, refunds, subscriptions, and payouts.",
   "source": "https://developer.gocardless.com/api-reference",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.api.kinds[0]",
   "note": "The reference describes HTTPS endpoints on https://api.gocardless.com/ and https://api-sandbox.gocardless.com/.",
   "source": "https://developer.gocardless.com/api-reference",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.api.auth[0]",
   "note": "The reference states authentication is a Bearer token in the Authorization header. The set-up guide creates that token as a read-write access token in the dashboard.",
   "source": "https://developer.gocardless.com/api-reference",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.api.coverage",
   "note": "The opened reference lists many payment, mandate, subscription, payout, and webhook endpoints. It does not establish that every dashboard control is exposed, so coverage stays partial.",
   "source": "https://developer.gocardless.com/api-reference",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.api.docs",
   "note": "Opened as the current API reference, including the live and sandbox hosts and the bearer authentication line.",
   "source": "https://developer.gocardless.com/api-reference",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.sdk.exists",
   "note": "GoCardless documents official client libraries and shows install commands for PHP, Python, Ruby, Java, Node.js, .NET, and Go.",
   "source": "https://developer.gocardless.com/getting-started/set-up",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.sdk.official",
   "note": "The set-up guide titles the package table Official libraries and recommends them for authentication and request signing.",
   "source": "https://developer.gocardless.com/getting-started/set-up",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.sdk.languages[0]",
   "note": "Official Python package gocardless_pro.",
   "source": "https://developer.gocardless.com/getting-started/set-up",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.sdk.languages[1]",
   "note": "Official Java package gocardless-pro-java.",
   "source": "https://developer.gocardless.com/getting-started/set-up",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.sdk.languages[2]",
   "note": "Official Go module github.com/gocardless/gocardless-pro-go/v6.",
   "source": "https://developer.gocardless.com/getting-started/set-up",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.sdk.languages[3]",
   "note": "Official Ruby package gocardless_pro.",
   "source": "https://developer.gocardless.com/getting-started/set-up",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.sdk.languages[4]",
   "note": "Official Node.js package gocardless-nodejs.",
   "source": "https://developer.gocardless.com/getting-started/set-up",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.sdk.languages[5]",
   "note": "Official PHP package gocardless/gocardless-pro.",
   "source": "https://developer.gocardless.com/getting-started/set-up",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.sdk.languages[6]",
   "note": "Official .NET package GoCardless.",
   "source": "https://developer.gocardless.com/getting-started/set-up",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.mcp.first_party",
   "note": "GoCardless documents a remote MCP server at https://mcp.gocardless.com for integration guidance and authenticated account actions.",
   "source": "https://developer.gocardless.com/developer-tools/mcp",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.mcp.verdict",
   "note": "The page is GoCardless developer documentation and describes GoCardless sign-in for the server. The verdict is official.",
   "source": "https://developer.gocardless.com/developer-tools/mcp",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.cli.exists",
   "note": "GoCardless documents the official gocardless CLI for macOS, Windows, and Linux. It can list and create resources, stream webhooks, and trigger test events, and it is limited to sandbox.",
   "source": "https://developer.gocardless.com/developer-tools/gc-cli",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.extensibility.webhooks",
   "note": "GoCardless sends HTTPS POST webhooks with a JSON events body and a Webhook-Signature header. Endpoints and secrets are created in the dashboard.",
   "source": "https://developer.gocardless.com/getting-started/stay-up-to-date-with-webhooks-v2",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.rpa.ui_stack[0]",
   "note": "Merchant administration is a hosted web product. No UI probe was run.",
   "source": "https://gocardless.com/",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.rpa.drivability",
   "note": "No repeatable UI probe exists. The API and MCP documentation establish non-browser paths, so drivability stays unknown.",
   "source": "https://developer.gocardless.com/api-reference",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.computer_use.viability",
   "note": "No computer-use probe artifact was produced. Viability stays unknown.",
   "source": "https://gocardless.com/",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "modalities.agent_docs.llms_txt",
   "note": "The MCP page is developer documentation. This pass did not open a GoCardless llms.txt or equivalent agent guide, so the field stays unknown.",
   "source": "https://developer.gocardless.com/developer-tools/mcp",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "verdict.best_path",
   "note": "The REST API is the production control plane for live and sandbox payments. MCP is official but confirmation-gated, and the CLI is sandbox-only, so API is the highest path.",
   "source": "https://developer.gocardless.com/api-reference",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "verdict.scores.api",
   "note": "Versioned REST, bearer access tokens, sandbox and live hosts, official libraries, and webhooks support production payment work. Scheme and compliance limits keep the score at 8.",
   "source": "https://developer.gocardless.com/getting-started/set-up",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "verdict.scores.mcp",
   "note": "Official remote MCP can read payments and, after confirmation, create payments, refund, and cancel mandates. Permission selection and the confirmation step keep it at 7.",
   "source": "https://developer.gocardless.com/developer-tools/mcp",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "verdict.scores.cli",
   "note": "The CLI returns JSON for list commands and can trigger webhook fixtures, but production support is described as coming later. Sandbox-only operation scores 4.",
   "source": "https://developer.gocardless.com/developer-tools/gc-cli",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "freshness.watch[0].url",
   "note": "Opened the GoCardless MCP page, including the server URL and the account-action limits.",
   "source": "https://developer.gocardless.com/developer-tools/mcp",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "freshness.watch[1].url",
   "note": "Opened the API reference, including hosts, authentication, and resource groups.",
   "source": "https://developer.gocardless.com/api-reference",
   "tier": "declared"
  },
  {
   "date": "2026-10-06",
   "fact": "freshness.watch[2].url",
   "note": "Opened the CLI page, including the sandbox-only limit and login flow.",
   "source": "https://developer.gocardless.com/developer-tools/gc-cli",
   "tier": "declared"
  }
 ],
 "freshness": {
  "last_verified": "2026-10-06",
  "volatility": "medium",
  "watch": [
   {
    "type": "docs",
    "url": "https://developer.gocardless.com/developer-tools/mcp"
   },
   {
    "type": "docs",
    "url": "https://developer.gocardless.com/api-reference"
   },
   {
    "type": "docs",
    "url": "https://developer.gocardless.com/developer-tools/gc-cli"
   }
  ]
 },
 "homepage": "https://gocardless.com/",
 "id": "gocardless",
 "license": "commercial",
 "modalities": {
  "agent_docs": {
   "llms_txt": "unknown"
  },
  "api": {
   "auth": [
    "bearer"
   ],
   "coverage": "partial",
   "docs": "https://developer.gocardless.com/api-reference",
   "exists": true,
   "kinds": [
    "rest"
   ]
  },
  "cli": {
   "exists": true
  },
  "computer_use": {
   "issues": [],
   "viability": "unknown"
  },
  "data_access": {
   "export": [],
   "import": []
  },
  "extensibility": {
   "scripting": [],
   "webhooks": true
  },
  "integrations": {
   "make": "unknown",
   "n8n": "unknown",
   "power_automate": "unknown",
   "zapier": "unknown"
  },
  "mcp": {
   "first_party": true,
   "third_party": [],
   "verdict": "official"
  },
  "rpa": {
   "drivability": "unknown",
   "notes": "No repeatable UI probe was run. The REST API, official libraries, and hosted MCP server are the practical paths for payments, mandates, and payouts.\n",
   "ui_stack": [
    "web-dom"
   ],
   "vendor_support": []
  },
  "sdk": {
   "exists": true,
   "languages": [
    "python",
    "java",
    "go",
    "ruby",
    "node",
    "php",
    "dotnet"
   ],
   "official": true
  }
 },
 "name": "GoCardless",
 "platforms": [
  "web"
 ],
 "related": {
  "alternatives": [
   "stripe",
   "adyen",
   "mollie"
  ],
  "our_products": []
 },
 "schema_version": 1,
 "score_version": 1,
 "status": "active",
 "vendor": "GoCardless",
 "verdict": {
  "best_path": "api",
  "scores": {
   "api": 8,
   "cli": 4,
   "computer_use": null,
   "integrations": null,
   "mcp": 7,
   "overall": 8,
   "rpa": null
  },
  "search": {
   "description": "GoCardless REST API, official libraries, sandbox CLI, and hosted MCP for mandates, payments, and refunds. Live money movement stays on the API or behind MCP confirmation.\n",
   "title": "GoCardless API and hosted MCP for bank payments"
  },
  "summary": "GoCardless is automatable today through its REST API and a hosted MCP server. Live calls use https://api.gocardless.com/ and sandbox calls use https://api-sandbox.gocardless.com/. Authentication is an access token in Authorization Bearer. The set-up guide sends GoCardless-Version 2015-07-06. Official libraries cover Python, Java, Go, Ruby, Node.js, PHP, and .NET, and the same guide also names iOS and Android SDKs. The reference lists billing requests, customers, mandates, payments, refunds, subscriptions, payouts, and webhooks. Webhooks are HTTPS POSTs with a Webhook-Signature header checked against the endpoint secret. The MCP server is https://mcp.gocardless.com. After GoCardless sign-in, a client can choose sandbox or live and authorise read or write scopes. Money-moving actions, including creating a payment, issuing a refund, and cancelling a mandate, wait for confirmation, and the docs say not to share API keys with the model. The gocardless CLI can list and create resources, listen for webhooks, and trigger test events, and it is sandbox-only. Connector catalogs were not opened. Computer-use viability is unassessed. API scores 8 and is the best path. MCP scores 7 because confirmation and permission selection gate account changes. The CLI scores 4 because it cannot operate the live environment.\n"
 }
}