Prompt
what payment gateway should I use for recurring billing?
Latest observation
Oct 14, 2026
OpenAI APIWeb search: off
The “best” payment gateway for recurring billing depends on your stack, geography, and how much subscription logic you want the gateway to handle for you.
Top choices for recurring billing
1. Stripe
- Best overall for most SaaS and online subscriptions
- Strong subscription/billing APIs
- Good support for proration, trials, coupons, invoicing, dunning
- Easy to integrate and scale globally
2. Braintree
- Good if you want PayPal support alongside cards
- Solid recurring payments and vaulting
- Often chosen by businesses already in the PayPal ecosystem
3. Adyen
- Better for larger businesses or international enterprises
- Strong global payment coverage
- Powerful, but more complex than Stripe
4. Paddle
- Great for SaaS, especially if you want them to handle taxes/VAT and merchant-of-record responsibilities
- Useful if you sell globally and want less compliance overhead
- Less flexible than Stripe, but simpler in some ways
5. Chargebee + a gateway
- If you need advanced subscription management
- Chargebee isn’t the gateway itself; it sits on top of Stripe/Adyen/Braintree/etc.
- Good for billing complexity: metered usage, dunning, revenue ops, invoicing
Quick recommendation
- SaaS startup / default choice: Stripe
- Need PayPal: Braintree
- Enterprise / global scale: Adyen
- Want taxes/compliance handled: Paddle
- Complex subscription ops: Chargebee + Stripe
What to consider
- Supported countries/currencies
- Card + digital wallet support
- Subscription features: trials, coupons, upgrades/downgrades
- Retry/dunning tools
- Tax handling
- Fraud tools
- Developer experience
- Pricing and chargeback fees
If you tell me:
- your business type,
- countries you sell in,
- whether you need SaaS subscriptions or physical goods,
- your platform/tech stack,
…I can recommend the best option more specifically.