FloPay vs Recurly

Because Recurly stores customer card data, merchants can switch payment gateways at any time, provided the new gateway supports the same card types and currencies. Tokenized payment instruments may not migrate as easily.

Recurly's dunning campaigns control failed-payment emails, retry timing, and what happens if a subscriber never pays. Dunning is available on all plans.

Through Recurly's Justt integration, which the Recurly account team activates, Justt intercepts disputes through RDR and CDRN, where available, before they become formal chargebacks.

Recurly supports multiple gateways and automatically fails over to a backup gateway when it detects an outage on the primary one. Automatically cascading an issuer-declined card payment to another card provider is not documented.

Recurly tracks gateway error responses, fails over to a backup gateway when error velocity signals an outage, and reverts once the primary gateway recovers. Gateway Failover is not included in Recurly's Starter plan.

Recurly Checkout detects the customer's location and adjusts the language and recommended payment method automatically. Checkout is available on all plans.

Recurly supports cards, digital wallets, direct debit schemes, and local payment methods across Latin America, Europe, and Asia, each available through specific gateways.

Recurly publishes its API v3 reference, official client libraries for several languages, and native iOS and Android SDKs.

Recurly maintains pre-built integrations with payment processors and CRM, ERP, BI, and tax applications that merchants can use without tapping into development resources.

Recurly Checkout is a PCI-compliant checkout that Recurly hosts on its own domain or the merchant's custom domain, with configurable styles and cart contents. It is available on all plans.

Recurly publishes a monthly price, a billing-volume fee, and included features for its Starter plan. Its All-Access plan is quote-based.

Recurly's built-in tax, powered by Avalara, calculates sales tax, VAT, and GST on invoices and reports line-item tax through an export. Tax filing requires the merchant's own Avalara AvaTax or Vertex account.

The Recurly Engage Abandon Cart use case detects returning visitors who left items in their cart and prompts them to complete checkout.

Intelligent Retries uses machine learning to time retries of declined recurring card payments. It is not included in Recurly's Starter plan.

Recurly connects to the merchant's own payment gateway and merchant account. Merchants can apply for a Check Commerce account through Recurly, but that gateway accepts ACH only, so card MID onboarding is not documented.

Recurly helps merchants accept payments in customers' local currencies, with the available currencies depending on the payment gateway.

Recurly supports card-network tokens alongside gateway tokens. Network tokens are not bound to one gateway, so they work across gateways for failover and subscription migration.

Account Updater refreshes stored Visa, Mastercard, American Express, and Discover card details through the card networks' update programs. It is not included in Recurly's Starter plan and carries an additional cost.

Recurly states that its platform is PCI DSS Level 1 compliant and recognized on the Visa Global Registry of Service Providers.

Recurly.js adds PSD2-compliant 3D Secure 2 authentication to checkout on gateways that Recurly supports for 3DS2, such as Braintree, Cybersource, Worldpay, and Adyen.

Settlement runs through the merchant's own acquirer. Once a transaction is approved, the merchant bank settles it and transfers the funds, minus fees, to the business bank account, so payout timing sits outside Recurly.

Hosted Account Management gives subscribers a branded portal to update billing details, retrieve past invoices, and manage or cancel their subscriptions. It is available on all plans.

Recurly RevRec, which Recurly also sells as a standalone product, automates ASC 606 and IFRS 15 revenue recognition with revenue reporting and forecasting.

Recurly provides a full-featured sandbox for building and testing plans, gateways, and dunning settings before going live.