GoCardless Bank Account Data
6.9#4 in bank connectivity softwareFree planFree planWebAPI
VisitGoCardless Bank Account Data vs OpenACH
What both publish
| Fact | GoCardless Bank Account Data | OpenACH |
|---|---|---|
| Company headquarters | GoCardless Ltd lists its address as Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom. | EasyOFAC, described on its site as an OpenACH company, lists 401 E 8th St, Suite 214-694, Sioux Falls, South Dakota 57103. |
| Purpose | Bank Account Data API connects users’ bank accounts and provides account information from bank PSD2 APIs. | OpenACH is an open-source, web-based platform for ACH origination and payment processing. |
| Security | GoCardless says it has been ISO 27001 certified since 2016 and encrypts data at rest and in transit. | The Docker instructions say the setup generates an encryption key for data and advise protecting the configuration file containing it. |
| Support | The Bank Account Data help centre lists support availability Monday to Friday, 9am–5pm GMT. | OpenACH says users can contact its team for both basic and technical questions and hosted setup assistance. |
GoCardless Bank Account Data plans
- StandardFree
- AdvancedFree
- ProFree
- CustomPriced on request
OpenACH plans
- OpenACH open-source softwareFree
- OEM Commercial LicensePriced on request
Pick GoCardless Bank Account Data if…
The API suits businesses that need consent-based access to bank account identity, balance, or transaction data. Developers can integrate through its JSON API, subject to regional availability and bank request limits.
Pick OpenACH if…
OpenACH suits businesses seeking ACH processing, organizations connecting existing payment systems, and developers or system integrators. Its API, NACHA libraries, and self-hosting options are relevant to teams integrating payment workflows.