Softwr

Accounting · head to head

Recurly vs Wise Business

Recurly logo

Recurly

Accounting

The subscription management platform built for growth

From
$249/month
Rated
-
Full reviewWebsite
Wise Business logo

Wise Business

Accounting

The smart way to send and receive business payments

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Recurly starter is $249 a month plus 0.9 percent of billing volume above the first $40K, so the cost rises with revenue rather than with usage; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • They diverge on capability: Recurly covers Subscription billing, Wise Business covers Multi-currency accounts.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Recurly and Wise Business actually diverge.

Attributes where Recurly and Wise Business differ
AttributeRecurlyWise Business
Starting price$249/month$29/month
Pricing modelsubscriptionusage-based
PlatformsWeb, ApiWeb, Ios, Android, Api
Founded20092011

Identical on both: free tier (No), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Recurly

  • Subscription billing
  • Revenue recovery
  • Payment gateway optimization
  • Analytics
  • API
  • Stripe
  • PayPal
  • Braintree

Only in Wise Business

  • Multi-currency accounts
  • International transfers
  • Batch payments
  • API access
  • Team management
  • Xero
  • QuickBooks
  • Various

Both cover

  • Web support
  • Api support

What people use each for

The jobs each tool is most often brought in to do.

Recurly

  • Subscription billing and recurring invoicingnot Wise Business
  • Dunning and failed payment recoverynot Wise Business
  • Trials, plan changes and promotionsnot Wise Business
  • Revenue recognition through the RevRec add-onnot Wise Business
  • Shopify-native subscriptions with subscribe and savenot Wise Business

Wise Business

  • Holding and converting multiple currencies as a businessnot Recurly
  • Paying international suppliers and contractors at the mid market ratenot Recurly
  • Receiving payments into local currency account details in several countriesnot Recurly

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Recurly

  • Starter is $249 a month plus 0.9 percent of billing volume above the first $40K, so the cost rises with revenue rather than with usage
  • All-Access is quoted at under 1 percent of billing volume with a $1M minimum, putting it out of reach of smaller merchants
  • Only one dunning campaign on Starter; multiple campaigns need All-Access
  • SSO, multicurrency and payments orchestration are All-Access only
  • Revenue recognition and the Engage churn tooling are separate add-ons at $850 and $1,600 a month

Wise Business

  • Opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • Volume discounts on transfers start only above 20,000 GBP equivalent sent per month

Pricing, plan by plan

Recurly

$249/month
  • Starter$249/month
    • Automated global subscription billing
    • Flexible plans and static churn-prevention tools
    • 1 dunning campaign
  • All-Access$null/month
    • Everything in Starter plus AI-powered agents and analytics
    • Intelligent churn-prevention with multiple dunning campaigns
    • Advanced pricing and promotions
  • All-Access for Shopify$null/month
    • Intelligent churn-prevention and customized bundles
    • Subscribe and save, prepaid/gift subscriptions
    • Hybrid subscription support and cancel-save flows

Wise Business

$29/month
  • StandardFree
    • Multi-currency account
    • Real exchange rate
    • Batch payments

Which should you pick?

Choose Recurly if

  • You need subscription billing.
  • You work on Web, Api.
  • You also want revenue recovery.
Recurly review

Choose Wise Business if

  • You need multi-currency accounts.
  • You work on Web, Ios, Android, Api.
  • You also want international transfers.
Wise Business review

Questions people ask

Is Recurly or Wise Business better?
Neither clearly leads. Recurly starts at $249/month and Wise Business at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Recurly or Wise Business?
Recurly starts at $249/month and Wise Business at $29/month.
Does Recurly or Wise Business run on more platforms?
Recurly runs on Web, Api. Wise Business runs on Web, Ios, Android, Api.
What is Recurly best used for?
Recurly is most often used for subscription billing and recurring invoicing, dunning and failed payment recovery, trials, plan changes and promotions, revenue recognition through the revrec add-on. Of those, subscription billing and recurring invoicing and dunning and failed payment recovery are not what Wise Business is typically brought in for.
What can Recurly do that Wise Business cannot?
Recurly covers Subscription billing, Revenue recovery, Payment gateway optimization, Analytics. Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access. Both handle Web support, Api support.

Answered from the vendors’ own pages

Recurly: What does Recurly's Starter plan cost?

Recurly Starter plan costs 249 USD monthly plus 0.9 percent of billing volume, with the first 40000 USD monthly volume included in the base fee.

Source
Wise Business: How fast are international transfers with Wise Business?

Wise Business offers fast global payments with 70% arriving in 20 seconds and 95% arriving in under 24 hours. You can also pay up to 1,000 contacts in a single batch transfer.

Source
Recurly: What is the minimum commitment for Recurly's All-Access plan?

All-Access plans require a minimum 1 million USD annual commitment, billed annually at less than 1 percent of billing volume.

Source
Wise Business: Does Wise Business offer volume discounts?

Yes, volume discounts are available on monthly transfers over 20,000 GBP or equivalent.

Source
Wise Business: How does Wise Business keep funds secure?

Wise customers move over AED60 billion monthly with systems built to keep funds safe. The company runs over 7 million daily fraud checks (80 per second), keeps funds diversified with secure financial institutions, and offers 24/7 customer support.

Source
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