Payment processors

All payment processors that Recharge integrates with are PCI compliant, fully encrypted, and regularly audited by third parties. Choosing which processor to use depends on a few factors, such as your location, which payment methods you want to offer, and which Recharge checkout platform your store is using.

This guide outlines all of the payment processors that Recharge integrates with and compatibility based on your platform. For frequently asked questions, visit Payment processors FAQ.

Platform compatibility

The payment processors available to you depend on the Recharge checkout platform you're using. Refer to the table below to confirm which sections in this guide are relevant to your platform. 

Access and enable your payment processor in Recharge

Recharge Checkout on Shopify or BigCommerce

1. Click Settings in your merchant portal and select Payment. 
2. Select the payment processor you would like to connect from the dropdown under Payment processor.

Shopify Checkout Integration

To process subscription orders using the Shopify Checkout Integration, you must have one of Shopify’s eligible subscription payment processors enabled on your Shopify store, when you install and set up Recharge.

You will see Shopify Checkout Integration Payment Gateway in your Payment processor settings. This setting informs Recharge that Shopify is handling the payment processing.

1. Click Settings in your merchant portal and select Payment. 
2. View Shopify Checkout Integration Payment Gateway under Payment processor. 

Stripe

Stripe lets customers pay with their credit card without creating or logging into an account. Refer to Connecting to Stripe for instructions. Stripe accepts payments from the following cards:

• Visa (credit and debit cards)
• MasterCard (credit and debit cards)
• American Express
• Discover (US merchants only)

You can also accept Apple Pay or Google Pay from customers checking out on a supported device.

After connecting your Stripe account, your checkout page looks like this:

Visit Stripe's global page to see their supported countries. The available currencies depend on the location of the bank account connected to your Stripe account.

PayPal via Braintree

Signing up for Braintree and connecting a PayPal Business account lets customers check out using their PayPal accounts. Customers can select PayPal to log in to their account and complete the purchase.

All PayPal payments need to go through their subsidiary company, Braintree. Braintree is the only version of PayPal that allows the flexibility of changing or adjusting an existing subscription. Braintree supports PayPal as well as credit card payments.

Refer to Connecting to Braintree or PayPal via Braintree for instructions.

Authorize.net

Recharge Checkout on Shopify or BigCommerce

Merchants using the Recharge Checkout on Shopify or BigCommerce can refer to Recharge's guide for Connecting to Authorize.net.

Once connected, the checkout page looks like this:

Shopify Checkout Integration

Merchants using the Shopify Checkout Integration can use Authorize.net to process subscription payments. Refer to Shopify's guide to set up Authorize.net. If you choose to switch to Authorize.net from Shopify Payments existing customers prior to this change will continue to process in Shopify Payments. New customers will be processed on Authorize.net. Contact Shopify’s support directly for issues or questions regarding payment gateways on Shopify Checkout Integration. 

Shopify Payments

Shopify Payments is Shopify's own payment gateway that works with subscription orders on the Shopify Checkout Integration, as long as your store meets the requirements. Refer to Shopify's guide to learn more about setting up Shopify Payments, along with their FAQs including requirements and eligibility. Common eligibility requirements to consider are: 

• Country or region of origin
• Business type
• Bank account requirements

PayPal Express

PayPal Express is a payment method that allows customers to use PayPal directly from your checkout and offers multiple payment options (i.e. the ability to pay via credit card or debit card). Shopify allows you to use PayPal Express as a form of payment for your subscription customers if you have:

• Enabled PayPal in your store
• Set up at least one subscription product in Recharge

Refer to Shopify’s article to set up PayPal to learn more. 

After your account is approved, PayPal is displayed as a Payment option at the checkout for your customers. Customers can access their customer portal to update their PayPal billing information directly in PayPal.

Google Pay

Google Pay is a mobile payment and digital wallet service created by Google. Recharge supports Google Pay for mobile checkouts in conjunction with Stripe. Once Recharge detects that you are using Stripe for payment processing, you'll see the option to enable Google Pay in the Checkout settings under Checkout page controls. Refer to Setting up Google Pay for instructions. 

Once you have enabled Google Pay, your customers see the Google Pay option when checking out using the Google Chrome browser, if they have enabled Google Pay and have Google Pay synced with Chrome.

Apple Pay

Apple Pay is a mobile payment and digital wallet service created by Apple. Recharge supports Apple Pay for mobile checkouts in conjunction with both Stripe and Braintree. Once Recharge detects that you are using Stripe or Braintree for payment processing, you'll see the option to enable Apple Pay in the Checkout settings under Checkout page controls. Refer to Setting up Apple Pay for instructions. 

Once you have enabled Apple Pay, your customers see the Apple Pay option when checking out with an iOS mobile device using the Safari browser.

Connecting PayPal as a secondary payment processor

If you are currently using Stripe or Authorize.net, you can also enable PayPal via the Braintree integration.

1. In the merchant portal, click Settings and select Payment.
2. Under the Payment processor section, select Braintree/PayPal from the dropdown.
3. Enter in your Braintree Merchant ID, Public Key, and Private Key.
   Tip: If you need help finding your keys, see Braintree's guide on Important gateway credentials. 
4. Check the Braintree PayPal Active checkbox.
5. Click Save.
6. Return to the payment processor dropdown, and re-select your primary payment processor from the dropdown and click Save again.

Processing fees

Refer to the payment processor's guide to learn more about processing fees:

• Stripe
• Braintree
• PayPal
• Authorize.net