1v1 Pricing Showdown
Recurly vs Stripe
Side-by-side pricing breakdown for SaaS Billing & Payments decision-makers
Prices in USD, verified from the United States. Regional pricing may vary.
When choosing between Recurly and Stripe for your saas billing & payments stack, the right answer depends on three things: your budget, the specific features you actually use day-to-day, and your tolerance for renewal-price increases. Below we lay out the prices each vendor advertises today (verified against their live pricing pages), the plan limits that decide whether they'll fit your team, and the features that differ between them.
Recurly starts at $399/mo; Stripe starts at $0/mo. The cheaper headline price isn't always the cheaper total cost — renewal pricing, per-user fees, and overage charges can shift the math. Use the plan-by-plan tables below to model your actual spend.
Feature Comparison
| Feature | | |
|---|---|---|
| subscription billing | Global automated | Stripe Billing 0.7% |
| flexible plans | Yes | — |
| churn mitigation | Yes | — |
| payments orchestration | Yes | — |
| ai analytics | Yes | — |
| shopify native | Commerce product | — |
| hybrid subscriptions | Yes | — |
| revenue recognition | RevRec product from $1200 | 0.25% of volume |
| multi currency | 140+ | — |
| multi entity | Enterprise | — |
| asc 606 ifrs | RevRec | — |
| lifecycle offers | Engage product | — |
| payment methods | — | 135+ currencies, 50+ payment methods |
| apis | — | Industry-standard developer APIs |
| invoicing | — | 0.4% per paid invoice |
| tax compliance | — | Stripe Tax $0.50/transaction |
| fraud protection | — | Radar — free basic, Radar for Fraud Teams $0.07/transaction |
| reporting | — | Stripe Sigma from $50/mo + $0.10/query |
| data pipeline | — | $0.10/transaction |
| no monthly minimums | — | Yes |
Affiliate links — you pay the same price
Dive Deeper
About the saas billing & payments category
SaaS billing and payments pricing in 2026 splits into two fundamental categories. Payment processors (Stripe, Recurly for TPV-based): charge transaction fees (2.9% + $0.30) and optional platform fees for subscription management (Stripe Billing 0.7%). Merchants of Record (Paddle, Lemon Squeezy): charge higher percentage (5% + 50¢) but handle all global tax compliance — you don't collect/remit sales tax, VAT, GST. For a SaaS doing $1M/year: Stripe + Stripe Tax costs ~$42,000 in fees (2.9% + $0.30 × 12k transactions + $500/mo Stripe Tax). Paddle costs ~$55,000 (5% + 50¢ × 12k). The $13k premium buys you zero tax headaches — significant time savings. Chargebee is for enterprise subscription billing complexity ($7,188/year + overage). The decision: DIY tax vs MoR convenience, volume-dependent math.
How to choose between saas billing & payments options
Calculate total cost of ownership. For a US-only SaaS doing $50k-500k/year: Stripe's 2.9% + $0.30 + Stripe Billing 0.7% = effectively 3.6% all-in is cheapest. For global SaaS doing $100k+/year with customers in EU/UK/Canada/Australia: Paddle's 5% + 50¢ is worth paying because global tax compliance (VAT, GST, sales tax in 50 US states) costs $5-20k/year in software + accountant time otherwise. For enterprise SaaS with complex billing (usage-based, custom contracts, multi-entity): Chargebee Performance at $7,188/year handles complexity Stripe Billing cannot. Lemon Squeezy is the indie-friendly Paddle — 5% + 50¢ MoR model, developer-friendly, best for $1k-100k ARR indie SaaS. Recurly targets enterprise ($1M+ TPV minimum) — skip unless you're at scale.
Building Your Business Stack?
Decision-makers comparing tools often need more than one category. Here are related comparisons:
Frequently Asked Questions
- Is Recurly cheaper than Stripe?
- Stripe is cheaper starting at $0/mo. Recurly starts at $399/mo and Stripe at $0/mo.
- Which is better, Recurly or Stripe?
- Stripe scores 9.3/10 compared to Recurly's 8.2/10 in our analysis. Stripe ranks higher on features and value, but Recurly may suit specific use cases — see the feature comparison above.
- Is Recurly cheaper than Stripe for a team of 5?
- For a team of 5, Recurly costs $399/mo (flat rate) and Stripe costs $0/mo (flat rate). Stripe is the cheaper option at this team size.
- Are there other saas billing & payments alternatives besides Recurly and Stripe?
- Yes. Our [SaaS Billing & Payments pricing comparison](/pricing/saas-billing/) page covers all major providers with daily-verified prices. You can also see the [cheapest saas billing & payments](/pricing/saas-billing/cheapest/) for budget-focused options.