GoCardless
GoCardless is a global account-to-account payments platform specializing in pull-based bank debit (UK Bacs, SEPA Direct Debit, ACH, BECS, PAD, Autogiro) and open-banking instant bank payments, used by businesses to collect recurring subscriptions, invoices, and one-off payments directly from customer bank accounts. The GoCardless REST API exposes customers, bank accounts, mandates, payments, payouts, subscriptions, refunds, events, webhooks, and verification flows. Authentication uses Bearer access tokens issued from the dashboard, with separate sandbox and live environments; every request must include a GoCardless-Version header.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles GoCardless the way a machine reads it — 25 machine-readable artifacts across 16 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — GoCardless scores 50.5/100 (developing), with a separate agent-readiness read of 55/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile GoCardless
Each block below is one kind of artifact we hold for GoCardless. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 16
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
GoCardless billing_request_flows API
The billing_request_flows API from GoCardless — 2 operation(s) for billing_request_flows.
GoCardless billing_requests API
The billing_requests API from GoCardless — 2 operation(s) for billing_requests.
GoCardless blocks API
The blocks API from GoCardless — 2 operation(s) for blocks.
GoCardless creditor_bank_accounts API
The creditor_bank_accounts API from GoCardless — 1 operation(s) for creditor_bank_accounts.
GoCardless creditors API
The creditors API from GoCardless — 2 operation(s) for creditors.
GoCardless customer_bank_accounts API
The customer_bank_accounts API from GoCardless — 2 operation(s) for customer_bank_accounts.
GoCardless customers API
The customers API from GoCardless — 2 operation(s) for customers.
GoCardless events API
The events API from GoCardless — 2 operation(s) for events.
GoCardless instalment_schedules API
The instalment_schedules API from GoCardless — 2 operation(s) for instalment_schedules.
GoCardless institutions API
The institutions API from GoCardless — 1 operation(s) for institutions.
GoCardless mandates API
The mandates API from GoCardless — 3 operation(s) for mandates.
GoCardless payer_authorisations API
The payer_authorisations API from GoCardless — 2 operation(s) for payer_authorisations.
GoCardless payments API
The payments API from GoCardless — 3 operation(s) for payments.
GoCardless payouts API
The payouts API from GoCardless — 2 operation(s) for payouts.
GoCardless refunds API
The refunds API from GoCardless — 2 operation(s) for refunds.
GoCardless subscriptions API
The subscriptions API from GoCardless — 3 operation(s) for subscriptions.
Scroll within the panel for all 16 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
GoCardless REST API
OPEN COLLECTIONEvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
GoCardless Webhooks
AsyncAPI description of the GoCardless webhook surface. GoCardless POSTs a JSON envelope containing one or more events (up to 250 per request) to each subscribed `webhook_endpoi...
ASYNCAPISpectral Rules 1
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
GoCardless API Rules
SPECTRALSecurity Posture 4
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for GoCardless — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 2
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 3
Pagination, idempotency, versioning, errors, and events
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 1
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
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