GoCardless Bank Account Data vs Rotessa
GoCardless Bank Account Data
gocardless.comRotessa
rotessa.comSide by side
| Figure | GoCardless Bank Account Data | Rotessa |
|---|---|---|
| Price from | Free | $0.35/mo |
| Free plan | Yes | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| macOS | — | Yes |
| API | Yes | Yes |
| Plans published | 4 | 12 |
| Spec score · Direct Debit Processing Software | 8.2 (#3) | 8.5 (#2) |
| Spec score · ACH Payment Processing Software | 8.2 (#5) | 8.4 (#3) |
| Company headquarters | GoCardless Ltd lists its address as Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom. | LinkedIn lists Rotessa’s primary location as 115 Industrial Road, Steinbach, Manitoba, Canada. |
| Founded | 2011 | 2010 |
| Headquarters | London, United Kingdom | Steinbach, Manitoba, Canada |
| Purpose | Bank Account Data API connects users’ bank accounts and provides account information from bank PSD2 APIs. | Rotessa is online software for scheduling and withdrawing one-time or recurring payments directly from customers’ bank accounts. |
| Security | GoCardless says it has been ISO 27001 certified since 2016 and encrypts data at rest and in transit. | Rotessa’s security overview says sensitive database information is encrypted using AES256, backups are made daily, and the company adheres to PCI DSS requirements for security management and protective measures. |
| Support | The Bank Account Data help centre lists support availability Monday to Friday, 9am–5pm GMT. | Rotessa describes its support team as fast and responsive, and provides an online support centre with documentation on accounts, authorizations, integrations, processing, and transactions. |
Plans
GoCardless Bank Account Data
- StandardFree
- AdvancedFree
- ProFree
- CustomPriced on request
Rotessa
- 251-1000 transactions$0.35 a month
- 251-1000 Transactions$0.35 a month
- 1-10 transactions$17 a month
- 1-10 Transactions$17 a month
- Base$25 a month
- 11-50 transactions$39 a month
- 11-50 Transactions$39 a month
- 51-100 transactions$65 a month
- 51-100 Transactions$65 a month
- 101-250 transactions$94 a month
In their own words
GoCardless Bank Account Data
GoCardless Bank Account Data is an API for businesses that need account details and transaction data from connected bank accounts. It connects through bank PSD2 APIs and can return account holder names, account identifiers, IBANs, transaction dates, counterparties, descriptions and amounts, plus current and available balances. It can retrieve up to 24 months of transaction history, with continuous access lasting up to 90 days. Data refreshes on demand, and responses use JSON. To connect, an end user chooses a supported financial institution, accepts a GoCardless-hosted consent screen and authenticates through the institution. API requests use an authorization token created with a Bank Account Data portal user secret. GoCardless provides a quickstart guide and instructions for importing the API schema into Postman. Availability is limited to EEA countries subject to PSD2 where GoCardless operates as an authorized AISP. Banks may restrict requests to as few as four calls per account per day. Account verification is available only to paying customers; new accounts are unverified by default. The service is paid, with pricing on request, and is available via API and web.
Rotessa
Rotessa schedules one-time and recurring payments taken directly from customers’ bank accounts. Businesses can add customers individually, import a CSV, or bring records in through accounting software, then obtain authorization and set the amount, frequency, and date. Its listed industries include property management, financial services, schools and childcare, health services, professional services, and nonprofits. Accounts include API access, CSV imports, an authorization tool, payment schedules, settlement reports, and multiple users with permissions. QuickBooks Online and Xero integrations can import customers and outstanding invoices, initiate withdrawals based on due dates, and report settlements while marking invoices paid. Zapier supports customized workflows connecting Rotessa with over 1,000 apps. Pricing starts at $17/mo for 1–10 transactions; listed monthly tiers are $39 for 11–50, $65 for 51–100, and $94 for 101–250. From 251 to 1,000 transactions, the listed rate is 35¢ per transaction; higher-volume pricing is custom. Rotessa launched in 2010 and is based in Steinbach, Manitoba, Canada.