Prompt
I need a payment API that works for both one-time charges and subscriptions
Latest observation
Oct 9, 2026
OpenAI APIWeb search: off
You’ll want a payment provider/API that supports both:
- One-time payments: charge a customer once for a product/service
- Recurring payments / subscriptions: automatically bill on a schedule
Common options:
1. Stripe
- Strong support for both one-time and recurring billing
- Good developer docs and APIs
- Supports subscriptions, invoices, coupons, trials, proration, webhooks
2. PayPal
- Supports payments and subscriptions
- More familiar to some customers
- API is decent, but developer experience is usually less polished than Stripe
3. Paddle
- Good for SaaS, handles some tax/compliance needs
- Supports subscriptions and one-time purchases
- Often used by software businesses
4. Braintree
- Owned by PayPal
- Supports recurring billing and one-time charges
- Flexible, but less commonly chosen than Stripe for new projects
If you want the simplest “one API for both,” Stripe is usually the best default choice.
If you want, I can also help you with:
- a comparison table
- recommended API flow
- example code for Stripe subscriptions + one-time charges