gocardless.com Security Assessment
Financial Services & Accounting
An API based product supporting all available Open Banking functionalities (client authorisation, data feeds, access scope definitions) in a unified standard (Berling Group Standard) Seller details Description: GoCardless is on a mission to become the world’s bank payment network and we believe open banking is a huge enabler. That is why GoCardless Bank Account Data is there and enables businesses to securely access their user’s bank account information for better lending, accounting, KYC, and financial management.
9-Dimension Security Framework
Identity & Access Management
Compliance & Certification
AI Integration Security
NEWAPI Security
Infrastructure Security
Data Protection
Vulnerability Management
Breach History
Incident Response
AI Integration Security Assessment (9th Dimension)
Assess whether SaaS applications are safe for AI agent integration using Anthropic's Model Context Protocol (MCP) standards. Identify Shadow AI risks before they become breaches and make safer AI tool decisions than your competitors.
Last updated: January 17, 2026 at 07:45 PM
Assessment Transparency
See exactly what data backs this security assessment
Data Coverage
7/8 security categories assessed
Score based on 7 of 8 categories. Missing categories could not be assessed due to lack of public data or vendor restrictions.
Evaluation Friction
Evaluation friction estimates how long it typically takes to fully evaluate this vendor's security practices, from initial contact to complete assessment.
Transparency indicators show data completeness and vendor accessibility
Comprehensive Security Analysis
In-depth assessment with detailed recommendations
Security Analysis
Executive Summary
| Metric | Value | Assessment |
|---|---|---|
| Security Grade | D | Needs Improvement |
| Risk Level | High | Not recommended |
| Enterprise Readiness | 43% | Gaps Exist |
| Critical Gaps | 0 | None |
Security Assessment
| Category | Score | Status | Action Required |
|---|---|---|---|
| 🟢 Breach History | 100/100 | excellent | Maintain current controls |
| 🟡 Vulnerability Management | 85/100 | good | Maintain current controls |
| 🟠 Data Protection | 60/100 | needs_improvement | Monitor and improve gradually |
| 🟠 Incident Response | 60/100 | needs_improvement | Monitor and improve gradually |
| 🟠 Compliance & Certification | 30/100 | needs_improvement | Review and enhance controls |
| 🟠 API Security | 30/100 | needs_improvement | Add rate limiting and authentication |
| 🟠 Infrastructure Security | 30/100 | needs_improvement | Review and enhance controls |
| 🟠 Identity & Access Management | 25/100 | needs_improvement | URGENT: Implement compensating controls immediately |
Overall Grade: D (32/100)
Critical Security Gaps
| Gap | Severity | Business Impact | Recommendation |
|---|---|---|---|
| 🟡 No public security documentation or audit reports | MEDIUM | 40-80 hours of security assessment overhead | Request security audit reports (SOC 2, pen tests) and security whitepaper |
Total Gaps Identified: 1 | Critical/High Priority: 0
Compliance Status
| Framework | Status | Priority |
|---|---|---|
| SOC 2 | ❌ Missing | High Priority |
| ISO 27001 | ❌ Missing | High Priority |
| GDPR | ❌ Missing | High Priority |
| HIPAA | ❓ Unknown | Verify Status |
| PCI DSS | ❓ Unknown | Verify Status |
Warning: No compliance certifications verified. Extensive due diligence required.
Integration Requirements
| Aspect | Details | Notes |
|---|---|---|
| Setup Time | 3-5 days (manual setup required) | Estimated deployment timeline |
| Known Issues | Manual user provisioning may be required, Limited API automation capabilities, No automated user lifecycle management, Additional security controls needed | Implementation considerations |
Authentication Capabilities
| Method | Tier Requirement | Evidence Source |
|---|---|---|
| ❌ OAuth 2.0 | All Tiers | auth_discovery (90% confidence) |
| ✅ SSO (SAML/OAuth) | Enterprise | sso_discovery (90% confidence) |
Authentication Facts Extracted: 0 data points from auth_evidence enrichment
⚠️ Inherent Risk Consideration
Data Sensitivity: This application stores sensitive data:
Risk Level: LOW - Contains
API Intelligence
Transparency indicators showing API availability and access requirements for gocardless.com.
API Intelligence
API intelligence structure found but no operations extracted. May require manual review.
Incomplete API Intelligence
Our automated extraction found API documentation but couldn't extract specific operations. This may require manual review or vendor assistance.
View Vendor DocumentationAI-Powered Stakeholder Decision Analysis
LLM-generated security perspectives tailored to CISO, CFO, CTO, and Legal stakeholder needs. All analysis is grounded in verified API data with zero fabrication.
Security Posture & Operational Capabilities
Comprehensive assessment of gocardless.com's security posture, operational maturity, authentication capabilities, security automation APIs, and breach intelligence.
Operational Maturity
Support, SLAs, and documentation quality
Data confidence: 60% • Assessed from vendor documentation and public sources
Authentication Data Not Yet Assessed
We haven't collected authentication and authorization data for gocardless.com yet.
Security Automation APIs
Programmatic user management, data operations, and security controls
Frequently Asked Questions
Common questions about gocardless.com
The Payout Items API lets you see the individual transactions that made up the total amount of a payout. You can think of a payout in terms of credits and debits. When we collect payments and add the
Source: Search insights from Google, Bing
GoCardless has been awarded ISO 27001 certification. ISO 27001 is a widely recognised, internationally accepted standard for information security and we have attained it across all GoCardless services
Source: Search insights from Google, Bing
Rate Limits and other limitations Starting from August 19, 2024, GoCardless implemented a limit of 10 API requests per day for each access scope (details, balances, transactions) on account id level.
Source: Search insights from Google, Bing
Compare with Alternatives
How does gocardless.com stack up against similar applications in Financial Services & Accounting? Click column headers to sort by different criteria.
| Application | Overall ScoreScore↓ | Grade | AI Security 🤖AI 🤖⇅ | Action |
|---|---|---|---|---|
35/100🏆 | D+ | N/A | View ProfileView | |
gocardless.comCurrent | 32/100 | D | N/A | |
31/100 | D | N/A | View ProfileView | |
31/100 | D | N/A | View ProfileView | |
23/100 | F | N/A | View ProfileView | |
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Security Comparison Insight
8 alternative(s) have higher overall security scores. Review the comparison to understand security tradeoffs for your specific requirements.