A Stripe Billing alternative that keeps Stripe as your gateway.
Stripe is excellent payment infrastructure, and yRecurring works with it rather than against it: your customers keep paying through your own Stripe account. The comparison is about the billing layer on top, where Stripe Billing adds 0.7% of billing volume on top of processing fees, and invoices, usage models, and recovery live inside Stripe's model of the world.
This is not a payments comparison. Stripe processes your cards either way, at its usual processing fees, and yRecurring never touches the money. The question is which billing layer sits on top: Stripe Billing's subscription objects, or a dedicated billing platform with its own invoicing, recovery, portal, and reporting that drives Stripe as one gateway among several.
Side by side
| Stripe Billing | yRecurring | |
|---|---|---|
| Pricing | 0.7% of billing volume pay as you go, or plans from $620/mo, on top of card processing fees | Flat $39, $99, or $299 per month; no percentage of your volume |
| Gateway | Stripe only | Your Stripe account, plus PayPal, Braintree, GoCardless, and more, side by side |
| Pricing models | Subscriptions, metered usage, tiers within Stripe's primitives | Seven combinable models, token and credit billing, cost passthrough with markup |
| Invoicing | Stripe invoices, additional fee per invoice sent standalone | Automated invoices with branded PDFs, numbering, consolidated billing, included |
| Why is this amount X? | Invoice line items | A receipt on every amount: formula, inputs, each step |
| Lock in | Billing data lives in Stripe objects | Your data, full export any time; gateways are adapters |
Competitor pricing is taken from their public pricing page, checked August 2026. If something here is out of date, tell us at [email protected] and we will fix it.
Where Stripe Billing is the better fit
- You are all in on Stripe, your pricing is simple per seat subscriptions, and one vendor for payments plus billing outweighs the percentage.
- Your engineering team wants to build billing logic directly on Stripe's APIs and owns that roadmap.
- You want Stripe's tax and revenue recognition add ons in the same console.
Where yRecurring differs
Card processing already costs a percentage. Adding 0.7% of everything you bill for the billing layer compounds it. yRecurring is a flat monthly price, whatever you bill.
Prices, subscriptions, invoices, and recovery live in yRecurring; Stripe is an adapter. Add PayPal for one market or GoCardless for bank debits without rebuilding billing.
Per million token prices, prepaid credit wallets that burn down and top up, and passthrough with margin are modeled directly, not assembled from subscription items.
Every amount links to its calculation. Support answers pricing questions with the receipt, not a spreadsheet reconstruction.
Questions teams ask
Do I keep my Stripe account?
Yes. You connect your own Stripe account and your customers keep paying through it. yRecurring creates and tracks the charges; the money flows to you through Stripe exactly as before.
What happens to my existing Stripe subscriptions?
Export your customers and subscriptions and import them with the AI assistant, dry run first. Saved cards stay in your Stripe account and keep working; yRecurring charges them through the same account, so there is no card migration at all. Renewals continue on yRecurring's schedule.
Does yRecurring charge a percentage of my revenue?
Plans are flat: $39, $99, or $299 per month, banded by how much you bill through the platform. If you grow past your band mid month, the overage is capped at the next tier's price, so the most a growth month can cost you is the plan you would upgrade to anyway. Your effective rate falls as you grow. Above the Scale band, pricing is custom.
Is yRecurring a merchant of record?
No. Your customers pay through your own payment gateway accounts (Stripe, PayPal, Braintree, GoCardless, and more), so the money and the gateway relationship stay yours. yRecurring is the billing engine: subscriptions, invoices, recovery, and reporting.
See your own pricing in it.
The fastest comparison is your real catalog inside the trial: import your data, dry run first, and look at an invoice with the calculation open.