GoCardless vs Pluggy: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). GoCardless has the broader connectivity footprint (54 vs 10 countries of bank coverage), and they overlap on 9 shared markets. GoCardless is headquartered in GB, while Pluggy is based in BR.
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GoCardless vs Pluggy at a glance
| GoCardless | Pluggy | |
|---|---|---|
| Headquarters | GB | BR |
| Market focus | Multi-region | Multi-region |
| Countries covered | 54 | 10 |
| Institutions tracked | 2,228 | 99 |
| Account data (AIS) | ||
| Payments (PIS) | ||
| Verification | ||
| Regulated | FCA | Open Finance Brasil, Banco Central do Brasil (ITP) |
| Sandbox | ||
| Pricing model | Payments: pay-as-you-go per transaction (published); Bank Account Data: freemium (free AIS) | Subscription (Basic from R$2,500/mo) + custom enterprise |
| Free production tier | — | |
| Developer portal | ||
| Sources | ||
| View GoCardless | View Pluggy |
GoCardless vs Pluggy: bank coverage overlap
GoCardless and Pluggy share 9 markets where both connect to banks. GoCardless additionally reaches 45 markets Pluggy does not (AE, AL, AT, AU, BD, BE, BG, BS…), while Pluggy reaches 1 markets GoCardless does not (CW).
Coverage figures are derived from verified per-bank connectivity data tracked on Open Banking Tracker, not provider marketing claims. See the coverage explorer for the full breakdown by continent.
Choose GoCardless if…
- you need the widest country coverage (54 markets)
- you want the largest number of connected institutions (2,228)
- you prefer a provider headquartered in the United Kingdom
Choose Pluggy if…
- you prefer a provider headquartered in Brazil
Frequently asked questions
What is the difference between GoCardless and Pluggy?
GoCardless vs Pluggy: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). GoCardless has the broader connectivity footprint (54 vs 10 countries of bank coverage), and they overlap on 9 shared markets. GoCardless is headquartered in GB, while Pluggy is based in BR.
Which has wider bank coverage, GoCardless or Pluggy?
GoCardless has wider coverage, reaching 54 countries versus 10 for Pluggy. They overlap on 9 shared markets.
Can I use both GoCardless and Pluggy?
Yes. Many teams use more than one open banking aggregator — for example one for its strongest region and another for fallback coverage or specific institutions. Both GoCardless and Pluggy expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.