GoCardless, a payments fintech provider, has introduced Same Day Settlement+, an AI-driven feature aimed at streamlining payment processes and enhancing reliability.

This innovative tool leverages machine learning to analyze transaction data from more than 38 million accounts, thereby accelerating the settlement process and lowering the rate of payment failures.

According to GoCardless, the new service ensures that over 96% of successful Direct Debit collections are settled on the same day, while it also reduces late payment failures by 80%.

A survey by GoCardless suggests that more than half of merchants see benefits from same-day settlement. These advantages include quicker access to funds and improved cash flow visibility. Furthermore, 85% of surveyed businesses believe that expediting payments will strengthen their relationships with customers and suppliers.

Currently, Same Day Settlement+ is available to a select group of GoCardless customers, allowing the system to learn from diverse data sets and build customized models.

GoCardless anticipates that Same Day Settlement+ will help it compete in the growing market for real-time, low-failure-rate payment solutions, particularly among businesses relying on bank-to-bank transfers for recurring or high-volume transactions.

Recent Developments at GoCardless

In August 2025, reports indicated that the Netherlands-based fintech firm Mollie was considering an acquisition of GoCardless.

This potential deal aligns with Mollie’s strategy to bolster its banking services and expand its market presence. The timing highlights the significance of advanced payment solutions in today’s competitive financial landscape.

In July 2025, GoCardless partnered with Cashflows to launch Cashflows Payouts, a service designed to facilitate real-time payments through A2A technology. This collaboration aims to simplify and expedite money transfers for businesses, enhancing both the speed and security of transactions.