"If you take something like energy, the vast majority of the payments are about collecting money," he told CNBC.
"But then you might have some of your customers that have solar panels on their roof and they're sending energy back to the grid, and they need to get paid for that energy that they're generating."
GoCardless, which is backed by Alphabet's venture arm GV, Accel and BlackRock, was last privately valued by investors at $2.1 billion in February 2022.
Takeuchi said the firm had no need for external capital and that there are "no plans" for an initial public offering in the near term.