Prompt
payment gateway for subscriptions and refunds
Latest observation
Oct 15, 2026
OpenAI APIWeb search: off
If you need a payment gateway that supports subscriptions and refunds, the main options depend on your business model and where you operate. Here are the most common choices:
Good options
- Stripe — Best overall for subscriptions, recurring billing, prorations, coupons, refunds, and developer-friendly APIs.
- PayPal — Widely recognized, supports recurring payments and refunds, but less flexible than Stripe.
- Braintree — Owned by PayPal; good for subscriptions and global payments.
- Adyen — Strong for larger businesses and international payments.
- Square — Good if you also do in-person payments or have a small business.
- Authorize.Net — Reliable classic gateway, supports recurring billing and refunds.
What to look for
- Recurring billing / subscriptions
- Full and partial refunds
- Automated retries for failed payments
- Proration and plan upgrades/downgrades
- Webhooks for payment status updates
- Support for cards, wallets, and local payment methods
- PCI compliance and fraud tools
Best simple recommendation
- Stripe if you want the easiest and most powerful option for subscriptions + refunds.
- PayPal if you want something familiar to customers and easy to add.
- Adyen if you’re operating at a larger scale internationally.
If you want, I can also give you:
- a comparison table,
- the best gateway for your country, or
- a recommended setup for SaaS subscriptions.