nowpayments vs Recurly

Compare nowpayments and Recurly on pricing, features, platforms, and ratings — both Payments tools, 0.5% fee per direct crypto transaction, 1% with currency…

At a Glance

 nowpaymentsRecurly
Primary categoryPaymentsPayments
RatingNot documentedNot documented
Pricing model0.5% fee per direct crypto transaction, 1% with currency conversion, plus blockchain network fees; account signup is free, no subscription tiers.Tiered subscription combining a base platform fee with a percentage of billing volume; higher tiers require a 1 million dollar minimum annual billing volume, with custom enterprise pricing available.
Starting priceNot documented$249/month plus 0.9 percent of billing volume (Starter plan, first $40,000 in monthly volume included)
Free planNot documentedNot documented
Free trialNot documentedYes
PlatformsWebWeb
Team collaborationNot documentedNot documented
AI featuresNot documentedYes
Public APIYesYes

Pricing Compared

Starting price reflects the lowest paid tier, not the full cost for every team size or usage level.

nowpayments

No individual plan breakdown documented yet.

Recurly

Starter — $249/month + 0.9% of billing volume Monthly
All-Access — Under 1% of billing volume (minimum $1M annual billing volume) Annual
All-Access for Shopify — Under 1% of billing volume Annual
Engage (add-on) — From $1,600/month Annual
RevRec (add-on) — From $850/month Annual

Pros & Cons

nowpayments

Pros

  • Non-custodial model — funds settle straight to the merchant's own wallet
  • Broad coin support with auto-conversion
  • Flat, published fee structure (0.5% direct / 1% with conversion)
  • Ready-made checkout plugins for WooCommerce, Shopify, PrestaShop, and Magento 2 plus a documented REST API
  • Actively serves higher-risk verticals many mainstream processors decline outright

Cons

  • Operating entity incorporated in Saint Vincent and the Grenadines, a lightly-regulated offshore jurisdiction
  • No publicly disclosed subscription/volume-tier pricing — larger volumes 'may' unlock lower fees only on request
  • Quoted 0.5%/1% fees exclude underlying blockchain network/gas fees
  • Limited public detail on dispute/chargeback handling, notable given crypto payments' typical irreversibility
  • Inconsistent supported-coin counts across its own marketing pages (350+ vs 75+)

Recurly

Pros

  • Mature, well-established platform founded in 2009 with enterprise-grade reliability
  • Strong churn-prevention and dunning tooling built into the core product
  • Dedicated Shopify-focused subscription commerce plan
  • Add-on products (Engage, RevRec) extend beyond core billing into retention and revenue recognition
  • Broad payment method and gateway support for global billing

Cons

  • Percentage-of-billing-volume pricing can get expensive as revenue scales
  • All-Access tier requires a 1 million dollar minimum annual billing volume
  • Pricing is not fully self-serve or transparent for higher tiers and requires a sales conversation
  • Engage and RevRec are priced and sold separately from core billing

Use Cases

nowpayments

Recurly

  • Mid-market SaaS subscription billing — Automating recurring invoicing, plan changes, and dunning for growing SaaS companies.
  • Shopify subscription commerce — Launching and managing subscribe-and-save or membership products on Shopify.
  • Enterprise revenue recognition compliance — Automating multi-GAAP-compliant revenue recognition for complex subscription contracts.

Read the full nowpayments review · Read the full Recurly review