SEPA + card payments. One platform.

Most platforms force you to choose: cards or direct debit. PayFacile gives your customers both — Stripe for cards, GoCardless for SEPA — from a single checkout page.

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No credit card required · Stripe + GoCardless included

The problem

Why 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.

The solution

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

How it works

  1. Connect Stripe and GoCardless

    One-click OAuth for each. Your existing accounts, your existing funds. Both connected in under 5 minutes.

  2. Create products with dual payment

    Set up your products and subscriptions. Enable both card and SEPA as payment options.

  3. Customers choose at checkout

    On your branded payment page, customers pick card or SEPA direct debit. Both flows are fully managed.

  4. Manage from one dashboard

    Track all payments, subscriptions, and invoices in one place. No more switching between Stripe and GoCardless dashboards.

Got questions

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.

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