GoCardless vs Ripple

Overview

GoCardless

Stacks53

Followers73

Votes0

Ripple

Stacks30

Followers39

Votes0

GoCardless vs Ripple: What are the differences?

Developers describe GoCardless as "The UK's #1 for online Direct Debit". GoCardless makes it super simple for businesses to take regular payments online direct from their customers' bank accounts, perfect for invoicing and recurring subscriptions. On the other hand, Ripple is detailed as "A real-time gross settlement system, currency exchange and remittance network". It is an open source protocol which is designed to allow fast and cheap transactions.

GoCardless and Ripple can be primarily classified as "Payment Services" tools.

Some of the features offered by GoCardless are:

Low pricing for everyone
Simple dashboard for managing payments
Developer friendly

On the other hand, Ripple provides the following key features:

Access
Speed
Certainty

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CLI (Node.js)

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Advice on GoCardless, Ripple

Taylor

May 23, 2020

Decided

With COVID-19 looming over us, businesses are, more than ever, looking for ways to set up online payments.

And having recently gone through implementing both Stripe and GoCardless to get monthly subscriptions set up and automated on my company website, I felt there was no better time to write this blog post!

If you're currently looking at working with a Payment Gateway provider API, or you're currently working with one but are not a fan, are looking to automate things a bit more, or are just generally thinking about changing, then you should have a read of my latest blog post where I compare Stripe and GoCardless.

I compare APIs in depth, specifically the subscription checkout flow that both offer (they're very similar, with some BIG differences).

There are plenty of code examples on how to set it up in a Node.js environment and right at the end, I rate each API based on the following factors:

API ease of use
API documentation
Payment pages
Costs / fees
Security
Developer appeal
Customer experience
Free Trial

So feel free to check it out, and I hope you like it. Please leave any feedback as it is very helpful. Thanks!

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Comments

Detailed Comparison

GoCardless	Ripple
GoCardless makes it super simple for businesses to take regular payments online direct from their customers' bank accounts, perfect for invoicing and recurring subscriptions.	It is an open source protocol which is designed to allow fast and cheap transactions.
Low pricing for everyone; Simple dashboard for managing payments; Developer friendly; Instant setup; Recurring payments	Access; Speed; Certainty; Cost
Statistics
Stacks 53	Stacks 30
Followers 73	Followers 39
Votes 0	Votes 0
Integrations
No integrations available	Golang C++ Python Rust Wagyu Blockchain

What are some alternatives to GoCardless, Ripple?

Stripe

Stripe makes it easy for developers to accept credit cards on the web.

PayPal

PayPal is an online payments and money transfer service that allows you to send money via email, phone, text message or Skype. They offer products to both individuals and businesses alike, including online vendors, auction sites and corporate users. PayPal connects effortlessly to bank accounts and credit cards. PayPal Mobile is one of PayPal’s newest products. It allows you to send payments by text message or by using PayPal’s mobile browser.

Braintree

Braintree replaces traditional payment gateways and merchant accounts. From one touch payments, to mobile SDKs and international sales, we provide everything you need to start accepting payments today.

Recurly

Recurly is the leading pay-as-you-go recurring billing service because setup is easy, integrations are quick, and our service grows with the needs of your business.

Adyen

A payments technology company that provides a single global platform to accept payments anywhere in the world. Businesses can process payments across online, mobile and in-store (POS) with over 250 payment methods and 187 currencies.

Ethereum

A decentralized platform for applications that run exactly as programmed without any chance of fraud, censorship or third-party interference.

Payoneer

It is a financial services company that provides online money transfer and digital payment services and working capital solutions

TransferWise

It bypasses pricey international payments entirely by using two local transfers instead of one international transaction. If you want to convert your pounds to euros, you send the money in pounds to its UK-based account.

Hyperledger Fabric

It is a collaborative effort created to advance blockchain technology by identifying and addressing important features and currently missing requirements. It leverages container technology to host smart contracts called “chaincode” that comprise the application logic of the system.

Amazon FPS

With Amazon Flexible Payments Service developers can accept payments on their website for selling goods or services, raise donations, execute recurring payments, and send payments. Amazon customers can pay using the same login credentials, shipping address and payment information they already have on file with Amazon. Amazon FPS supports the processing of payments using credit cards, bank accounts and Amazon Payments account balances to send or receive money.

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With COVID-19 looming over us, businesses are, more than ever, looking for ways to set up online payments.

I compare APIs in depth, specifically the subscription checkout flow that both offer (they're very similar, with some BIG differences).

There are plenty of code examples on how to set it up in a Node.js environment and right at the end, I rate each API based on the following factors:

API ease of use
API documentation
Payment pages
Costs / fees
Security
Developer appeal
Customer experience
Free Trial

So feel free to check it out, and I hope you like it. Please leave any feedback as it is very helpful. Thanks!