PaymentsGoCardless and the GDPR: agreement, role and data location.
GoCardless is a payments tool. Its role depends on the activity, it explains how to get its data processing agreement, and the data location depends on your account. Below: what to check and how to declare it.
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In short
- Category
- Payments
- Usual role
- Depends on the activity
- Data location
- Set per account or project
- Agreement
- Obtained through the vendor
What does GoCardless do with personal data?
Manage customer payments, subscriptions where applicable, invoicing and billing. That is how Privacyboard describes a typical use of GoCardless, as a starting point you can edit.
The data usually involved: customer names, email addresses, billing addresses, transaction identifiers and payment information handled by the provider.
Is GoCardless a processor or a controller?
GoCardless is often an independent controller for payment and compliance data rather than only a processor.
Privacyboard does not prefill a role for this vendor on purpose. You are asked to choose, since the answer changes what your privacy policy says and which agreement matters.
Where does GoCardless store personal data?
GoCardless does not have one fixed location for every customer. The location depends on the plan, the account and the services you enable.
How to find yours: Check your account settings or GoCardless’s data processing terms for where your data is stored.
Even when the main location is in the EU, ask whether subprocessors or support access involve a transfer outside the EEA, and record it if so.
Does GoCardless have a data processing agreement?
Checked on 1 November 2026. Vendors change their pages, so check the date.
GoCardless does not publish the full text of its data processing agreement on a public page. The reference page explains how a customer gets or signs it, usually from inside the account. Article 28 of the GDPR still requires a written contract, so get it and keep a copy.
What we noted when we opened the page: GDPR page in GoCardless terms; says data protection terms sit in the Data Protection section of the Merchant Agreement. No date shown; footer names GoCardless Ltd. States main European payment processing runs on servers in the EEA.
A page that exists does not mean you are covered. Whether the agreement applies to you depends on your plan and on what you accepted, so record the decision yourself in your vendor list.
Open the GoCardless reference pageHow to declare GoCardless
- 1
In your privacy policy
Name GoCardless as a recipient, say what it is used for (manage customer payments, subscriptions where applicable, invoicing and billing) and mention any transfer outside the EEA. Articles 13 and 14 ask you to tell people who receives their data.
- 2
In your vendor list
Add GoCardless with its purpose, the data involved, its role, its region and a link to the agreement. Privacyboard prefills all of this, you confirm or correct it.
- 3
In your processing register
Link GoCardless to the activities that use it, so each record shows its recipients. Article 30 asks the register to list the categories of recipients.
What to check before relying on GoCardless
- Work out whether the provider acts as your processor, as an independent controller, or as both for different activities.
- Say in your privacy policy that payment data is handled by the provider and for what purpose.
- Record the provider as a recipient of customer names, emails and transaction data.
- Check retention rules the provider applies for legal and fraud reasons.
Questions, answered.
Is GoCardless GDPR compliant?
Privacyboard does not certify vendors. Compliance depends on how GoCardless is configured and used, on the agreement you have with it and on your own practices. What can be checked is documented here: it explains how to get a data processing agreement, the usual role and the data location. Read the agreement itself before relying on it.
Does GoCardless have a DPA?
GoCardless does not publish the full text of its data processing agreement on a public page. The reference page explains how a customer gets or signs it, usually from inside the account. Article 28 of the GDPR still requires a written contract, so get it and keep a copy. The reference page is https://gocardless.com/legal/gdpr.
Is GoCardless a data processor?
It depends on the activity. GoCardless is often an independent controller for payment and compliance data rather than only a processor.
Where does GoCardless store data?
GoCardless does not have one fixed location for every customer. The location depends on the plan, the account and the services you enable. How to find yours: Check your account settings or GoCardless’s data processing terms for where your data is stored.
Do I need to mention GoCardless in my privacy policy?
Yes, if GoCardless handles personal data for you. The GDPR asks you to tell people who receives their data (Articles 13 and 14). Name the vendor or its category, say what it is used for and mention any transfer outside the EEA.
How do I add GoCardless to my vendor list?
In Privacyboard, pick GoCardless from the catalog. The purpose, the data, the suggested role and a link to its agreement are prefilled, and you confirm each one. Creating a workspace is free.
Privacyboard is not affiliated with GoCardless. Names and logos belong to their owners and are used only to identify the tool. This page summarises public documents as checked on 1 November 2026; it is guidance, not legal advice, and it does not certify any vendor.