Best way to accept recurring payments online for subscriptions

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Recurring payments are automatic debits that take place with a set frequency. You can set up a monthly debit, as well as transactions once a quarter, week, or year.This system is at the heart of the subscription business model. In today’s digital economy, subscriptions and recurring payments have become a cornerstone for businesses seeking predictable revenue and enhanced customer loyalty. Customers get constant access to the service without having to manually make payments. Funds are debited from the card or wallet automatically.
According to Juniper Research, by 2027, the volume of regular recurring payments worldwide will total $15.4 trillion. In two years, the market has grown by more than 2 trillion.
It’s not just about a large segment of the modern economy. We are talking about changing the format of funds movement. The subscription model has proven its effectiveness in various business areas: from SaaS services and streaming platforms to fitness clubs and online education, more and more companies are switching to subscriptions and recurring transactios.
For any business that wants to stay in the market and grow, adapting to these trends is not just wise — it’s essential. Implementing recurring billing provides:
In this article, we will discuss how to accept recurring payments online effectively and securely.

How recurring payments work

The mechanism of recurring transactions is simple. Let’s show how it works using the example of buying a Netflix subscription. Process:
If there is not enough money in the balance, the tariff is terminated. The system can re-initiate the withdrawal of funds according to the established schedule.
Recurring billing software is responsible for the entire process. It securely stores the user’s payment data, starts debiting funds on schedule, sends notifications, processes transaction reports, and compiles reports and analytics.
Choosing the best way to accept recurring payments depends on several key factors: security, flexibility, and integration capabilities.

What to consider when implementing recurring payments

Before taking recurring payments online, evaluate:
These criteria will help you choose the best way to accept recurring transactions.

What you need to accept regular payments

To accept recurring payments online, you need to prepare a base for processing transactions. Entrepreneurs have a merchant account for accepting debits from customers. It is opened at a bank or with a provider. Next, you need to add recurring billing software to your website or application. It will manage subscriptions. It includes:
You will also need a privacy policy and subscription terms – legal documents explaining the rules for subscription and data processing.

Types of businesses that can use recurring payments

Recurring payments are suitable for almost any business with recurring value:
The benefits of subscription payments for businesses include predictable income, reduced customer churn, cross-selling and upselling opportunities, and in-depth analytics on subscriber behaviour.

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How to set up recurring payments with BillBlend

BillBlend is a recurring billing platform that simplifies subscription management. Here’s how to get started:
BillBlend offers automatic retries for failed payments, pause and cancellation management, churn and LTV analytics, multi-currency and localisation, and PCI DSS compliance. With BillBlend, you can take recurring payments online with minimal effort, allowing you to focus on growing your business.

Best providers 2025

ProviderFeesSupport for recurring paymentsIntegrationFraud protection
BillBlendTransparent and competitive rates, the exact figures depend on the type of payment and the region. Supports A/B testing to optimize fees.Direct support for recurring payments. The ability to set up flexible scenarios (for example, trial periods, automatic renewals).Connection to accounting and CRM systems for process automation. API support.It uses advanced encryption and fraud prevention systems. It includes A/B testing and segmentation for risk management.
Stripe2.9% + 30¢ (within the country), +1.5% for international payments, +1% for currency conversionSupports via Stripe Billing, including automatic subscriptions and customer managementA wide range of integrations with e-commerce platforms (Shopify, WooCommerce), CRM and accounting systemsStripe Radar for fraud protection, tokenization of card data
WiseFor transfers: from 0.33% for currency conversion + a fixed amount (depends on the currency). For business accounts – up to 2% per transfer.There are no direct subscription tools, but you can automate transfers via API or third-party services.More than 650 ready-made integrations with CRM, e-commerce platforms and other systems via ApiX-Drive. API support for custom solutionsMulti-level security: data encryption, two-factor authentication, anti-fraud team.
PayPalDepends on the method, country and currency.Supports PayPal Invoicing and recurring payments, including PayPal Credit for the USA. Allows you to set up automatic subscriptions and manage clients.Integration with marketplaces, CRM and other services, including API for custom solutions. Partners include Shopify, WooCommerce, and other e-commerce platforms.Tools for risk management and dispute resolution, secure transactions. It offers an improved anti-fraud check for an additional fee.
GoCardlessThe amount of the commission depends on the tariff plan and the type of operation.Specializes in direct debit payments (Direct Debit, SEPA, ACH). Automates subscriptions and regular payments. Supports VRP for some integrators.More than 200 integrations with accounting and CRM systems (for example, Salesforce, Xero). API support for custom solutions. Integration with systems like Zapier to automate processes.Data tokenization, additional authentication for payment confirmation. Protect+ system for fraud detection and prevention (identification fraud, lack of intention to pay, unfair chargebacks)

Conclusion

Recurring payments are not just a trend, but the new norm in business. The ability to accept recurring payments online opens up access to stable income, deep customer analytics, and increased loyalty.
To successfully implement subscription payments:
Regardless of scale, from start-ups to corporations, automatic payments will help you build a sustainable subscription-based business.

Frequently asked questions

What is recurring billing?
Recurring billing is a system of automatic payments for a service. The user buys a subscription to an online movie theater or a fitness subscription, and the payment is made once a month or at another set time.
The subscription business model offers customers a wide range of methods. Customers can choose to debit from a bank card or an electronic wallet. Some services support payment in cryptocurrency.
Offer flexible pricing, trial periods, personalised notifications, and an easy cancellation process.
Yes. The customer must explicitly agree to auto-payments and receive confirmation of the subscription terms.
Set up automatic retries, customer notifications, and alternative payment methods.
The best way depends on your business needs, but platforms like BillBlend, Stripe, and PayPal offer user-friendly solutions for accepting recurring payments online with built-in security and automation.
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