Best payment processor for recurring
Recurring payments are becoming more and more in demand in the modern economy. In 2025, the market is estimated at $158.54 billion and its growth in the near future will be 7.2% annually. The model with regular write–offs is used by different types of businesses, from streaming services to SaaS platforms. Choosing the best payment processor for recurring payments affects customer retention, conversion rate, and overall business profitability.
In this review, we will look at what regular payments are, why it is so important to choose the right provider, and present the top 10 solutions that can optimize the automated debit process.
What are recurring payments?
Recurring payments are automated periodic debits from a customer’s card or account according to a pre-agreed schedule. They allow you to:
- eliminate the need for customers to manually pay for their subscription;
- guarantee a stable cash flow for your business;
- reduce customer churn;
- automate subscription billing and reduce operating costs.
Typical areas of application include content subscriptions (Netflix, Spotify), SaaS services (CRM, cloud storage), membership fees (fitness clubs, professional associations), and regular deliveries (food boxes, cosmetics).
Top 10 processors for recurring payments
We analysed the market for recurring payments gateway. Below are the top 10 best recurring payment processors.
BillBlend: High risk payment gateway for recurring billing
BillBlend is a modern payment gateway designed specifically for high-risk business areas such as online casinos, gambling, travel services and similar sectors. This service is highly adaptable and offers a personalised approach to each client, making it the ideal choice for companies of all sizes.
Key features and benefits of BillBlend:
- Customised pricing. There are no fixed rates, which is particularly beneficial for companies with low turnover. Customers are invited to submit an application on the website, providing the necessary business details, after which specialists will select the optimal terms of cooperation.
- Wide currency support. The platform supports over 100 currencies, which is ideal for international companies and facilitates cross-border payments.
- Security and confidentiality. The use of multi-level data encryption and real-time technology to detect fraudulent transactions ensures maximum protection of customers' personal and financial data.
- Effective chargeback management. With modern technology and professional advice, BillBlend helps minimise financial losses associated with chargebacks.
- Professional support service. 24/7 customer support ensures quick resolution of any issues or problems that may arise.
BillBlend supports a wide range of methods, including credit and debit cards, e-wallets, and direct bank transfers. Geographically, the service covers a significant portion of the global market, making it convenient for companies operating in different countries and regions.
In addition to basic processing functions, best payment processor for subscription businesses 2025 BillBlend offers a number of useful add-ons:
- Analytics and statistics: Detailed reports on payments and transactions, allowing for deeper analysis of the financial activity of the business.
- CRM system integration: Simple and convenient integration with popular CRM solutions, facilitating customer accounting and management.
- Scalability: The platform easily adapts to the needs of a growing business, ensuring a smooth transition from the initial stage to large projects.
BillBlend is a powerful and flexible tool for companies operating in high-risk sectors of the economy. With customised rates, broad currency support, and a host of additional features, the service is a reliable partner for businesses seeking to ensure smooth and secure processing of recurring payments.
Stripe
Stripe is known for its innovative approach to payment processing and offers powerful tools for automating recurring payments. The service is popular among tech startups and fast-growing companies.
- Modern API for developers
- Automated credit card updates
- Advanced fraud analysis and prevention capabilities
- Connection to various banking systems
Disadvantages: Difficult to set up for unskilled users and relatively high fees for small businesses.
FastPays
A specialised service for subscription businesses, FastPays offers transparent terms of cooperation and easy setup of regular payments. Ideal for small and medium-sized businesses that value simplicity and reliability.
- Transparent pricing policy
- Quick integration with accounting systems
- Minimisation of payment failure risks
- Good technical support
Disadvantages: limited number of supported countries, less developed analytical tools.
PayPal: Universal payment service for regular payments
PayPal is a world-renowned payment platform that operates in more than 200 countries and allows you to make fast and convenient online transactions. This system is popular among individuals and companies due to its wide range of features and reliable payments.
Key features and advantages of PayPal:
- International availability. The platform covers almost the entire world, making it ideal for companies targeting an international audience.
- Currency diversity. A huge number of world currencies are supported, which is extremely useful for multi-currency settlements.
- Ease of use. The interface is intuitive even for beginners, and registration takes a minimum of time.
- High level of security. Modern encryption and verification methods provide reliable protection for user data.
- Brand popularity and recognition. Millions of users around the world trust PayPal, which has a positive impact on the image of companies using this platform
- Subscription management. PayPal has a built-in program that allows you to link and manage subscriptions, update information, track transactions, and change the payment method.
- Retries for failed payments. You can set the number of debit attempts and the interval between them. PayPal also allows you to fix the debt and add it to new debits.
PayPal operates in 200+ countries around the world, which makes it one of the most popular payment methods. PayPal attracts the attention of those companies that enter new markets, as this option is supported in most regions of the world. It is considered a reliable and convenient service for regular write-offs, which is suitable for both small, medium and large businesses.
Chargebee
Respond to requests immediately. Provide customers with complete information about the status of their orders. Organise convenient customer support for urgent requests.
Advantages
- Ability to test different pricing models
- Advanced customer retention mechanisms
- Deep analytics and forecasting
- Scalability for growing businesses
Disadvantages: Quite high cost for small businesses, some lag in support for new technologies.
GoCardless
GoCardless specialises in automated bank payments, offering a simple and secure way to collect recurring payments directly from customers’ bank accounts.
Advantages:
- Low payment failure rate
- Easy integration with popular CRM platforms
- Security and compliance
- Accessibility for a wide range of businesses
Disadvantages: Limited support for alternative payment methods, no specialised solution for high-risk businesses.
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NMI: Payment gateway for effective management of recurring payments
NMI provider (Network Merchants Inc.) has been operating for more than 20 years. It offers comprehensive solutions for processing transactions both online and offline. The provider offers universal tariffs that are suitable for both small and large businesses that plan to implement or improve the efficiency of regular write-offs.
Features and advantages of NMI:
- Versatility. Support for various transaction environments – online, offline, mobile and contactless payments.
- Virtual terminal. A convenient tool for manual transaction processing, including credits and refunds.
- Automation of recurring payments. Easy setup of auto-payments without complex integration.
- Advanced security features. PCI Level 1 certification, tokenisation technology and proprietary iSpyFraud anti-fraud system.
- Multifunctionality. Work with multiple merchant accounts through a single interface.
- Mobile payments. Support for Apple Pay, Google Pay and digital signatures.
- Flexibility. Proprietary API and SDK for developing custom solutions.
NMI offers a fixed fee per transaction, which makes it advantageous for companies with a small number of large transactions. However, for businesses with a large number of small payments, this approach can be costly.
The platform supports over 125 marketplaces and works with multiple currencies, demonstrating its broad international presence and ability to serve customers worldwide.
NMI is ideal for small and medium-sized businesses, as well as high-risk companies that need reliable and secure payment solutions. NMI is a balanced and reliable solution for businesses seeking efficient processing of regular payments, data security, and convenient integration with key business systems.
BlueSnap
BlueSnap is chosen for its variety. The service supports payment in more than 100 ways, including crypto transactions. BlueSnap is suitable for businesses that are looking for a universal gateway to receive regular payments from customers. Adaptive tariffs will suit both small and large businesses.
Advantages:
- Huge selection of payment methods
- Automatic updating of customer information
- Global availability
- Intuitive interface
Disadvantages: Slightly inflated fees for start-up projects, occasional problems with processing rare currencies.
Bambora
Bambora, recently acquired by Worldline, offers modern solutions for accepting and processing payments, including recurring charges. The platform has proven itself in the sports industry and the non-profit sector.
Advantages:
- Support for various payment types
- Currency conversion for customer convenience
- Data tokenisation for increased security
- Creation of payment profiles to simplify the process
Disadvantages: non-transparent pricing policy, need for individual agreement on terms
Recurly: Platform for comprehensive management of subscriptions and recurring payments
Recurly is one of the leading subscription management platforms, founded in 2011 and successfully operating for over a decade. In May 2025, Recurly strengthened its position through strategic acquisitions of Redfast and Prive, expanding its functionality and reinforcing its market leadership.
Key features and benefits of Recurly:
- Multi-channel payment processing. The platform provides seamless payment processing through various gateways and alternative payment methods, making the payment process as simple and convenient as possible for customers.
- Customer churn management. Recurly offers smart tools to prevent customer churn, including payment notifications, overdue card management, and flexible payment terms configuration.
- Automated billing. You can choose between manual and automatic billing. Detailed information about debits is available in your merchant profile.
- Support for multiple currencies and languages. The service offers support for 30+ languages and 140+ currencies. This makes it in demand for companies working with clients from different countries.
Recurly offers three pricing plans tailored to the needs of businesses of different sizes and specialisations. Specific commission rates depend on the plan selected and the volume of transactions processed, making Recurly’s offering flexible and adaptable to specific business needs.
Recurly operates globally, supporting a large number of currencies and languages, making it the optimal solution for companies focused on international growth and development. Recurly is a versatile and powerful solution for companies that want to professionally organise and control subscription and recurring payment processes, increasing profitability and customer satisfaction.
PupBox Founder on working with Recurly:
“Recurly offered a lot of flexibility. Being able to offer fixed price discounts on a customer’s first box, even when the customer selected a longer-term plan, allowed us to drive exponentially more volume at a much lower cost”.
Why choosing the right payment processor is important
Choosing the optimal subscription payment gateway has a significant impact on business efficiency. The right solution helps to:
- Increase conversion and reduce churn
- Retain customers and minimise attrition
- Simplify accounting processes
- Comply with international security standards
An unsuitable platform can cause financial losses, damage your company’s image, and lead to a loss of customer loyalty.
Conclusion
Before choosing a provider, it is worth assessing the needs of your business and how the operator solves frequent problems related to regular debit of funds. Payment gateways offer automatic billing and debiting of funds, but it is important to pay attention to the amount of commission, anti-fraud and opportunities to minimize outflow.
You can order a free consultation from your favorite provider and try the gateway in test mode. This will allow you to evaluate all the pros and cons, features and work efficiency.
Frequently asked questions
Which payment processor is best suited for international operations?
Choose Stripe or BillBlend. The main advantages are a wide geography, support for more than 100 currencies, the possibility of quick integration, and individual tariffs.
How can I reduce the risk of fraudulent transactions with regular payments?
Choose a gateway with multi-level customer data protection and built-in mechanisms to protect against suspicious transactions.
Do I need to integrate a separate module to combat customer churn?
No. BillBlend already uses tools to minimize customer churn, which can reach 10-15%.
Is it possible to automate billing and customer reminders?
Yes, most modern platforms support the automation of these processes, greatly simplifying routine operations.
Which currencies are most commonly used by international businesses for recurring payments?
The top 2 includes the US dollar and the euro. Less often, the yuan and the pound sterling are used for calculations.
How long does it take to set up recurring billing?
From 1 day (BillBlend, PayPal) to 2–4 weeks (NMI, BlueSnap), depending on the complexity of integration and merchant verification.
