# GoCardless

GoCardless is an Asset Manager based in London, United Kingdom.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** London, United Kingdom
- **Region:** Europe
- **Address:** London, United Kingdom
- **Assets under management:** Undisclosed
- **Website:** gocardless.com
- **LinkedIn:** https://www.linkedin.com/company/gocardless

## Regulatory record

- **Reports private funds:** No

## About

GoCardless is a London-based company founded in 2011. It offers online payment services without merchant accounts or credit card fees. The company has secured £634.4 million in total funding.

## Sectors

- FinTech

## Offices

- Riga, Latvia

## People

- Hiroki Takeuchi — CEO

## Questions

### How does GoCardless source its bank-payment rails?

GoCardless connects directly to bank payment schemes rather than routing transactions over card networks. In the UK it operates on the Bacs direct-debit scheme; in the Eurozone it uses SEPA Direct Debit; in the US it offers ACH Pull. The firm’s 2022 acquisition of Nordigen added connectivity to 2,300+ banks for open-banking data, covering the UK and broader European market.

### Does GoCardless function as a payment processor or a merchant of record?

GoCardless operates as a payment initiation service and account information service provider, not a merchant of record. The firm collects authorized payments directly from customer bank accounts on behalf of its business users, who retain the direct commercial relationship with their own customers.

### What is GoCardless's known posture on co-investments alongside external GPs?

GoCardless is an operating fintech business, not a fund structure. It does not make co-investments or participate in GP-led deal flow. Any capital is deployed internally toward product development, geographic expansion, and acquisitions such as the 2022 Nordigen purchase.

### Which sectors does GoCardless explicitly avoid?

GoCardless does not provide card-not-present acquiring, digital wallet processing, or point-of-sale terminal hardware. Its products are limited to bank-debit pull methods (ACH, SEPA, Bacs) and associated open-banking data services, which means it stays out of credit-card acquiring and traditional merchant processing.

### Who runs investment decisions at GoCardless?

Strategic and capital allocation decisions ultimately rest with CEO Hiroki Takeuchi. The company has not publicly documented a separate investment committee or disclosed external capital partners with board-level influence. Day-to-day treasury and balance-sheet decisions sit within the finance function but are not publicly detailed.

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Last updated: 2026-06-03T20:00:00.000Z

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