See what PayWhirl offers: recurring billing, one-time payments, Shopify subscriptions, 10+ gateways, and pricing plans from free to $249/mo.
Category
Ecommerce
Pricing
Free Starter plan (3.0% per-transaction fee, no card required) plus three paid tiers with 14-day free trials: Business Pro $49/mo (2.0% fee), Business Plus $149/mo (1.0% fee), and Business Ultimate $249/mo (0.5% fee); custom Enterprise pricing for businesses over $5M/year in revenue., from $249/mo
Verified
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Last updated
August 7, 2026
APIReporting
PayWhirl is a subscription commerce and recurring-payments platform built for businesses that want to sell subscriptions, memberships, or recurring services directly from their own website rather than a third-party checkout. Its core product lets merchants manage recurring billing alongside one-time payments in the same shopping cart, and offers embeddable, no-code payment widgets that can be dropped into an existing site to start charging customers without custom development. PayWhirl connects to 10+ payment gateways and processors (including PayPal, Square, and Authorize.net) and supports credit cards, debit cards, and ACH bank transfers across 100+ currencies. Beyond checkout, it provides business analytics covering MRR, ARR, customer lifetime value, and churn, plus customizable invoice and email communications. For developers, PayWhirl exposes an API (with SDKs referenced for PHP, Python, Node.js, and Ruby) for building custom billing experiences, and it also ships as a dedicated Shopify app for merchants who want subscriptions inside an existing Shopify storefront.
Key Features
Recurring Billing & Subscriptions — Core subscription payment management built for recurring revenue businesses.
One-Time Payments — Shopping cart handles single-payment items alongside recurring subscriptions in the same checkout.
Embedded Payment Widgets — No-code, customizable widgets to add payment functionality directly to an existing website.
Multi-Gateway & Multi-Currency — Connects to 10+ payment gateways (PayPal, Square, Authorize.net, and more) across 100+ currencies, supporting credit card, debit card, and ACH.
Business Analytics & Reporting — Tracks MRR, ARR, customer lifetime value, churn, and revenue forecasting.
API for Custom Integrations — Flexible API referenced for PHP, Python, Node.js, and Ruby to build custom payment experiences.
Pros & Cons
Pros
Free Starter plan with no credit card required, making it easy to test before committing to a paid tier
Transaction fees drop as you move up tiers (from 3.0% down to 0.5%), rewarding higher-volume merchants
Supports 10+ payment gateways and 100+ currencies, plus credit card, debit card, and ACH payments
No-code embeddable payment widgets let non-developers add subscription checkout to an existing website
Built-in subscription analytics (MRR, ARR, churn, customer lifetime value) without needing a separate BI tool
Cons
Entry-level free plan carries a comparatively high 3.0% per-transaction fee
Lower-value monthly plans are still fee-heavy compared to flat-rate competitors, since fees only fall to 0.5% at the $249/mo tier
Enterprise pricing for businesses over $5,000,000/year is not published and requires contacting sales
Primarily oriented around website/Shopify checkout use cases rather than broader vertical-specific billing needs