A payment gateway is a technology that enables businesses to process transactions online. It achieves this by safeguarding customers’ financial details and overseeing the entire transaction flow. Sensitive information like credit card numbers is encrypted to ensure the safety of each transfer. This technology is a vital part of the transaction ecosystem. Additionally, it helps businesses efficiently handle recurring charges and subscription management. These solution providers simplify the process for companies to accept a wide range of transaction methods, such as debit and credit cards, bank transfers, and other options. Choosing the right system is essential to ensure that transactions are completed swiftly and securely, whether for one-time purchases or ongoing services.
That being said, we believe NOWPayments is the ideal solution for businesses that operate on a recurring model. Its transaction fees are minimal, and it offers a wide variety of methods, including cryptocurrency. The platform is highly effective for managing continuous charges and allows for flexible billing cycles. It integrates seamlessly with various management tools, streamlining operations and reducing processing costs. This makes it easier for customers to make their purchases. For businesses looking to expand their recurring service offerings, this platform provides a secure, efficient way to handle transactions.
Businesses relying on recurring revenue models must select the right processing solution by 2026, as the landscape is evolving rapidly with more tools and choices available than ever. As more companies adopt recurring service frameworks, it’s essential to use a system that can efficiently manage automatic billing, track client subscriptions, and ensure secure handling of monthly or yearly fees. Customers can complete transactions through various methods with top-tier gateways. These systems are easy to implement and come with comprehensive billing functionalities. This guarantees that customer financial data remains protected, leading to fewer issues with failed transactions. As the demand for online payments continues to grow, businesses must find a system that not only addresses their current needs but also adapts to future demands and customer expectations.
Here’s a list of payment gateways for subscription-based businesses:
- NOWPayments
- Stripe
- PayPal
- Adyen
- Chargebee
What We Considered When Choosing the Best Payment Gateway: Our Selection Criteria
To provide an accurate comparison, we examined the features that businesses operating with recurring revenue models will need in 2026. We focused on criteria that address the specific challenges and needs of companies aiming to optimize their operations and improve their transaction workflows. In doing so, we highlighted the unique demands of recurring service models and the preferences of businesses in this sector.
- Support for Various Methods: This capability is essential for companies to process a wide range of transactions, allowing customers to choose from multiple options, such as credit cards, digital wallets, and alternative solutions.
- Fee Structure: The pricing model is crucial for businesses relying on automatic billing, as lower processing costs directly boost profitability, enabling companies to maximize their earnings from each recurring charge.
- Automated Billing & Management: This feature allows businesses to streamline their workflows, making it easier to handle recurring charges and reduce the likelihood of failed transactions.
The table below outlines how each gateway performs across these essential categories. We will delve deeper into each provider’s strengths in these areas.
| Payment Gateway | Payment Method Support | Transaction Fees | Recurring Payments & Subscriptions |
|---|---|---|---|
| NOWPayments | 350+ cryptocurrencies, 40+ fiat options. | 0.5%–1% for crypto payments; 0% network fees on USDT TRC20 deposits for the first 2 months (new partners only). | Automated recurring crypto payments, custom plans, and flexible settings for cost and duration. |
| Stripe | Credit/debit cards, mobile wallets, local methods. | 2.9% + fixed fee, 0.7% for subscription billing. | Automates recurring billing, usage‑based plans, and subscription management. |
| PayPal | Credit cards, PayPal balance, digital wallets (200+ countries). | 2.9% + fixed fee, varies by country. | Supports subscription payments and recurring billing. |
| Adyen | 250+ payment methods, including credit/debit cards, mobile wallets, local payment methods. | 2.9% + fixed fee, varies by region. | Recurring billing and subscription payment management, flexible subscription models. |
| Chargebee | Integrates with 30+ gateways, 100+ currencies. | Varies by plan and processor, includes subscription fees. | Full subscription billing automation, smart retries for failed payments. |
NOWPayments
NOWPayments is the best crypto payment gateway for businesses that want to accept both digital and traditional currencies. The platform ensures high security, supports over 350 cryptocurrencies, and offers low transaction fees. As digital currencies gain traction, they present a great opportunity for businesses with recurring revenue models to leverage this trend. This provider integrates smoothly with various e-commerce platforms and provides automated processing for recurring charges. With its wide array of supported methods, it is a top choice for companies seeking a flexible and reliable processor for handling ongoing services.
Payment Method Support. NOWPayments enables global customers to complete transactions using over 350 digital currencies and 40 fiat options. This broad support helps businesses expand their reach and serve diverse customer needs. Additionally, the platform allows the use of stablecoins and various alternative methods, enhancing security and reducing transaction costs. It provides an easy solution for companies to handle payments, offering customers flexibility in their preferred method.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Cryptocurrencies | ✅ | ✅ |
| Credit/Debit Cards | ✅ | ✅ |
Transaction Fees. NOWPayments charges fees ranging from 0.5% to 1% for most cryptocurrency transactions, which is more affordable than many other processors. New partners enjoy a promotion where USDT TRC20 deposits are free of network charges for the first two months. This is particularly beneficial for businesses beginning to integrate digital currencies into their operations. Even after the promotional period, the platform maintains competitive fees, making it an ideal choice for companies managing recurring billing and automatic payments. This setup enables cost savings while maintaining secure transactions.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 0.5%–1% | For crypto payments |
| Network Fees | 0% | On USDT TRC20 deposits (first 2 months) |
Recurring Payments & Subscriptions. For companies offering recurring services, NOWPayments is an ideal solution as it automates the entire billing cycle. Businesses can personalize their plans by choosing pricing, duration, and payment frequency. It ensures swift transaction processing, eliminating the need to manually collect or monitor scheduled charges. This simplifies the entire procedure. The platform guarantees the safety of client transactions, with most transfers completed in under five minutes. It’s an efficient and secure option for businesses managing recurring revenue.
| Subscription Feature | Available |
|---|---|
| Automated Recurring Payments | ✅ |
| Customizable Payment Settings | ✅ |
| Fast Transaction Speed | ✅ |
Stripe
Stripe is a widely used solution for businesses of all sizes due to its compatibility with various systems and its high degree of adaptability. It supports multiple payment options, such as credit and debit cards, as well as mobile wallets. This makes it a great option for companies wishing to handle transactions globally. The platform’s features for managing recurring charges and automated billing are particularly beneficial for companies relying on regular revenue models. Among the top options for recurring service providers, Stripe is preferred for its developer-friendly tools and APIs, which allow seamless integration into existing business infrastructures.
Payment Method Support. Stripe offers a wide range of payment means, including credit and debit cards, as well as mobile wallets like Apple Pay and Google Pay. This flexibility makes it an ideal choice for companies looking to serve customers globally. Additionally, Stripe accommodates local transaction methods, ensuring businesses can cater to diverse regions. With strong support for international transactions, it enables companies to expand their recurring service models without geographical constraints.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Credit/Debit Cards | ✅ | ✅ |
| Mobile Wallets | ✅ | ❌ |
| Local Payment Methods | ✅ | ❌ |
Transaction Fees. Stripe applies a 2.9% fee plus a fixed charge for typical credit card transactions, with extra costs for cross-border transactions and currency conversion. For recurring billing, it charges 0.7%, which is highly competitive among processors. The platform also provides volume-based discounts, helping businesses reduce expenses as they grow. This clear pricing structure allows companies to forecast their transaction costs and effectively manage the expenses related to their recurring revenue models.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 2.9% + fixed | For standard card payments |
| Recurring Fee | 0.7% | For subscription billing |
Recurring Payments & Subscriptions. Stripe’s tools for subscription management simplify the setup of ongoing charges. Businesses can design tailored plans with various payment cycles and pricing options, ensuring they meet the demands of diverse client bases and service types. Additionally, Stripe features intelligent retry mechanisms for unsuccessful transactions, minimizing payment failures. Its integrated system streamlines the entire process, from collecting funds to generating invoices.
| Subscription Feature | Available | Setup |
|---|---|---|
| Recurring Billing | ✅ | Easy |
| Flexible Pricing Models | ✅ | Customizable |
| Smart Retry | ✅ | Automatic |
PayPal
PayPal is widely recognized for its user-friendly interface and reliability, making it a top platform for online payments. It supports a variety of methods, including balances, credit/debit cards, and digital wallets, offering flexibility for users. This versatility makes it an ideal option for businesses seeking an easy way to handle payments. With a high level of trust, it ensures secure exchanges for both companies and their clientele. Its robust tools for managing recurring charges and billing cycles make it a strong choice for businesses targeting a global market.
Payment Method Support. In the US, PayPal allows companies to accept payments through credit cards, balances, and various digital wallets like Venmo. Its international presence enables connections with clients worldwide and supports payments in multiple currencies. Additionally, it facilitates cross-border transfers, which is particularly useful for subscription-based models looking to expand globally. With numerous options available, companies can streamline the process and provide a smooth experience for customers, regardless of location.
| Payment Method | Accept | Withdraw |
|---|---|---|
| PayPal Balance | ✅ | ✅ |
| Credit/Debit Cards | ✅ | ✅ |
| Digital Wallets | ✅ | ❌ |
Transaction Fees. PayPal typically applies a 2.9% fee plus a fixed charge for each transaction, with rates varying depending on the country or currency. For international transfers, an additional 1.5% fee is added, which can increase costs for global services. Recurring charges are priced the same, though businesses handling high volumes may qualify for better rates. Despite these fees, it remains a dependable solution for companies seeking a straightforward and secure way to process transactions.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 2.9% + fixed | Standard rate for card payments |
| Cross-Border Fee | 1.5% | For international payments |
Recurring Payments & Subscriptions. PayPal’s tools for managing recurring charges simplify the setup of automatic billing for services. Companies can offer flexible billing cycles, helping retain customers over time. With these features, businesses can monitor payments, adjust plans, and oversee subscriptions. The platform ensures secure and convenient transactions, making it an excellent option for companies looking to streamline their processes.
| Subscription Feature | Available | Setup |
|---|---|---|
| Recurring Billing | ✅ | Easy |
| Subscription Management | ✅ | Customizable |
| Fraud Protection | ✅ | Included |
Adyen
Adyen is a leading payment processor, capable of handling both online and in-person transactions. It supports various methods, such as credit cards, digital wallets, and local options, making it a top choice for companies. Its features for managing recurring billing are perfect for those offering ongoing services and seeking secure, adaptable solutions for handling regular charges. With robust tools for transaction processing and risk management, it stands out as one of the most reliable gateways for businesses catering to a global customer base.
Payment Method Support. Adyen supports over 250 methods, including credit/debit cards, digital wallets like Apple Pay and Google Pay, and regional options, allowing businesses to effortlessly accept payments from customers worldwide. The platform ensures seamless processing, whether through cards or other solutions. With its global reach, Adyen is a top choice for companies operating internationally, handling payments in various currencies.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Credit/Debit Cards | ✅ | ✅ |
| Digital Wallets | ✅ | ❌ |
| Local Payment Methods | ✅ | ❌ |
Transaction Fees. Adyen’s fees are competitive, with credit card charges typically at 2.9% plus a fixed fee. Cross-border operations incur extra costs, but the pricing structure is clear, and businesses only pay when transactions are successfully completed, helping to control expenses. The model benefits high-volume companies by offering lower rates as the volume of processed funds increases. These flexible plans help minimize processing costs, making it a strong choice for businesses offering recurring services.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 2.9% + fixed | For standard card payments |
| Cross-Border Fee | 1.5% | For international payments |
Recurring Payments & Subscriptions. Adyen offers robust tools for handling recurring charges and subscription billing, making it easier for companies to manage their revenue streams. Businesses can create custom models, set billing schedules, and even offer trials or usage-based pricing. The platform features intelligent retry mechanisms that quickly address failed transactions, helping retain more revenue. Its adaptable system allows for seamless integration of new models while maintaining secure and efficient processing.
| Subscription Feature | Available | Setup |
|---|---|---|
| Recurring Billing | ✅ | Easy |
| Flexible Pricing Models | ✅ | Customizable |
| Smart Retry Logic | ✅ | Automated |
Chargebee
Chargebee is a top solution for managing subscription billing, simplifying complex models for companies. Ideal for those accepting global transactions, it offers flexibility and seamless integration. With support for over 30 gateways, it streamlines invoicing, payment processing, and recovery of failed charges. Its comprehensive features make it an excellent choice for handling various plans.
Payment Method Support. Chargebee enables companies to process transactions in over 100 currencies and through more than 30 gateways, allowing them to serve a global customer base. It also supports local methods, making it ideal for those targeting specific regions or international markets. The platform simplifies transaction handling by supporting credit and debit cards, digital wallets, and bank transfers, among others. For businesses relying on recurring revenue, offering multiple payment options ensures customers can choose the method that works best for them.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Credit/Debit Cards | ✅ | ✅ |
| Digital Wallets | ✅ | ❌ |
| Bank Transfer | ✅ | ✅ |
Transaction Fees. The transaction fees vary based on the selected plan and payment method. Monthly charges typically cover subscription management costs, but businesses should consider the additional fees from processors. Offering various pricing options for different needs, Chargebee helps companies save by automating billing, simplifying the tracking of recurring charges, and preparing for transaction costs.
| Fee Type | Amount | Note |
|---|---|---|
| Subscription Fee | Varies | Based on plan and processor |
| Transaction Fee | Varies | Charged by payment gateway |
Recurring Payments & Subscriptions. Chargebee provides robust tools for automating recurring billing, managing client cycles, and processing payments. Companies can create flexible plans with varied pricing, usage-based charges, and trial periods. Its smart retry functionality helps recover failed transactions, minimizing revenue loss. The platform also features a dashboard that allows businesses to make informed decisions by tracking payments, managing subscribers, and analyzing financial data.
| Subscription Feature | Available | Setup |
|---|---|---|
| Recurring Billing | ✅ | Automatic |
| Custom Pricing Models | ✅ | Flexible |
| Smart Retry Logic | ✅ | Automated |
Conclusion
In this article, we reviewed leading payment processors to help companies select the most suitable option for handling ongoing services. We analyzed platforms like NOWPayments, Stripe, PayPal, Adyen, and Chargebee. It’s vital to pick a system that supports diverse methods and ensures secure transactions, whether for periodic billing or long-term subscriptions. NOWPayments excels in supporting both conventional and digital currencies, making it perfect for organizations needing flexibility. It simplifies processing, enabling businesses to effectively handle recurring charges and offer tailored plans.
When choosing a provider, ensure it facilitates automatic transactions and provides multiple options for clients worldwide. NOWPayments is ideal for those seeking low-cost solutions without the hassle of excessive fees. Its robust management tools streamline invoicing and payment collection, helping companies automate workflows. This platform improves systems, making it easier for businesses to manage ongoing services and safeguard customer data.