Subscription Commerce Billing Management
Recurly is a recurring billing service designed to help merchant accounts manage repeating payments and subscription billing. Recurly offers its own payment gateway and integrates with a number of third-party merchant account providers including Amazon Payments, PayPal, Braintree, Authorize.Net, Worldpay, and TSYS, but it does not provide its own merchant accounts, point-of-sale equipment, or mobile card processing. In other words, Recurly can be thought of as a third-party billing management service that merchants may use in conjunction with their existing merchant accounts.
Recurly Headquarters and Ownership
Founded in 2010, the company is headquartered at 400 Alabama Street, Suite 202, San Francisco, California 94110. Dan Burkhart is the co-founder and CEO of Recurly.
Recurly Review Table of Contents
- Costs & Contract: Recurly offers month-to-month agreements and does not charge an early termination fee.
- Complaints & Service: Recurly has received fewer than 10 public complaints.
- BBB Rating: Recurly currently has an “A+” with the Better Business Bureau and has received 0 complaints in the last 3 years.
- Sales & Marketing: Recurly does not appear to hire independent sales agents and has not received any complaints about its sales practices.
- Rates & Fees: How Merchants Got The Best Rates With Recurly
Products & Services Offered
- Recurring billing
- Custom digital coupons
- Sales tax management
- Digital invoicing
- Virtual terminal
- Load balancing
Types of Businesses Served
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Recurly Rates, Fees, and Costs
|Flat Rate||1.25% + $0.10|
|Core Plan||$99 Per Month|
|Professional Plan||$299 Per Month|
|Invoice Fee||$1.00 Per Invoice|
|Early Termination Fee||None|
|PCI Compliance Fee||None|
|Equipment Lease Terms||None|
Three Pricing Plans
Recurly offers three different pricing tiers for its service. At the time of our last review, the company was transparent about all of its rates for each plan, but it has since removed all specific plan pricing.
The first pricing plan, called the “Core” plan, initially costed $99 per month and charged a per-transaction fee of 1.25% plus $0.10.
The second plan, dubbed the “Professional” plan, costed $299 per month and charged the same 1.25% plus $0.10 fee per transaction plus a $1.00 fee per invoice generated.
The third plan, called the “Enterprise” plan, is a custom pricing option available to merchants who process over $500,000 per month in recurring billing. It is important to note that Recurly is a third-party service, so its fees will be billed in addition to a merchant’s existing merchant account fees and pricing. For this reason, we recommend that merchants pair Recurly’s service with a budget-friendly payment processor to keep costs low.
No Long-Term Commitments
Recurly offers its service on a month-to-month basis and does not charge any monthly minimum fees, early termination fees, PCI compliance fees, or other fees. Its “Core” plan is intended for merchants who only need to accept credit card subscription payments, while its “Professional” plan adds ACH payments, invoicing, QuickBooks Online integration, Salesforce integration, multi-currency support, gift card support, and fraud management. Recurly’s pricing page notes that “other fees apply including merchant bank account fees (all gateways), and payment gateway fees (excluding Recurly’s payment gateway). Fees may apply to import existing cards/customers.” This seems to indicate that all Recurly fees are charged separately from the fees that may be charged by a merchant’s credit card processor, including transaction fees and cancellation fees.
Absence of Contract Complaints
There are no public complaints about Recurly’s pricing and contract terms, and its previously listed fees are fairly low considering the full feature suite that it provides. However, it is unclear if Recurly’s recent removal of its specific pricing from its website suggests that its fees have since increased. Additionally, it is difficult to justify paying extra for recurring billing when many merchant account providers include this service as part of their standard virtual terminals. Recurly therefore seems best for merchants that have an absolute need for expanded recurring billing tools and would be able to justify the additional cost of the service. Subscription-style merchants will be best served by obtaining competitive pricing through a merchant account provider and then integrating Recurly’s payment gateway on top of this service, rather than by signing up for a Recurly-compatible payment gateway and then trying to secure low merchant account fees afterward.Are you happy with your Recurly fees? Tell us about them before your go!
Recurly Complaints & Customer Reviews
|Total Online Complaints||<10|
|Live Customer Support||No|
|Most Common Complaint||N/A|
Clean Complaint Record
We are unable to find any negative Recurly reviews on the usual consumer protection websites, and there are no other public indications that the company is a scam or a ripoff. The only vaguely negative comments about the company are related to a 2012 hardware outage that resulted in the loss of some subscribers’ billing information. The event appears to be an isolated incident that affected a small percentage of the company’s merchants, so it will not count against Recurly’s rating in this review.
We have not found any outstanding class-action lawsuits or FTC complaints filed against Recurly. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Recurly Customer Support Options
Recurly offers live chat support from Monday to Friday between the hours of 9 a.m. and 5 p.m. PST and also provides email support for non-urgent issues.
Recurly BBB Rating Summary
Key Points - BBB
|Product & Service Complaints||0|
|Billing & Collection Complaints||0|
|Advertising & Sales Complaints||0|
|Guarantee & Warranty Complaints||0|
No BBB Complaints
The Better Business Bureau currently assigns Recurly an “A+” and is not showing accreditation for the company. The BBB has 0 complaints related to Recurly in the past 36 months. It also has not received any informal reviews from merchants, although these reviews are typically not subject to BBB verification.
An “A” Performance Overall
In light of the company’s clean complaint record, we agree with the BBB’s rating of an “A” at this time. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.
Truth In Marketing & Advertising
|Employs Independent Resellers||No|
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||Yes|
No Independent Sales Agents
Recurly markets itself primarily through traditional advertising methods and through strategic partnerships. The company does not appear to hire outside independent sales agents or engage in telemarketing, and we have not located any complaints that accuse the company’s sales representatives of deception or nondisclosure.
No Misleading Advertising
In addition, Recurly does not list any misleading rate quotes or teaser offers on its website. In light of these factors, we have awarded it an “A” rating in this category.
Recurly Marketing Example
About Phillip Parker
Thank you for reading my review. I hope that it has helped you with your research.
Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services
I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.
From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.