> ## Documentation Index
> Fetch the complete documentation index at: https://recurr.dev/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Payments

> How money flows on Recurr — settlement to your Stripe Connect, acceptance across wallets and currencies, and involuntary-churn recovery.

Recurr operates the campaign and the checkout surface; **money itself flows through Stripe end-to-end**, settling directly to your Stripe Connect Standard account. Recurr never holds funds, never delays settlement, never sits between you and your payouts.

## Settlement

<CardGroup cols={2}>
  <Card title="Merchant of Record on your Stripe" icon="wallet">
    Subscriptions and revenue settle directly to your own Stripe Connect Standard account. You are the Merchant of Record on every subscription — the named party on the subscriber's card statement and the entity Stripe pays out. Recurr's platform fee is deducted at settlement as an `application_fee`; no separate invoice, no AP cycle.
  </Card>

  <Card title="T+2 payouts" icon="bolt">
    Cash arrives in two business days in most markets. Replaces the 30-60 day app-store settlement cycle and the working-capital drag that comes with it.
  </Card>

  <Card title="Portable by design" icon="arrow-right-arrow-left">
    Subscriptions live as Stripe customer records on your own account. Recurr operates the migration but never holds funds or the payment relationship. Switch off Recurr and billing continues.
  </Card>
</CardGroup>

[Stripe Connect →](/integration/stripe-connect) covers the account-setup mechanics in detail.

## Acceptance

How subscribers actually pay on web checkout:

<CardGroup cols={2}>
  <Card title="Apple Pay & Google Pay" icon="mobile">
    Native wallet checkout — the same one-tap UX subscribers know from app-store billing, served on your branded web checkout. Per-domain Apple Pay verification handled during onboarding.
  </Card>

  <Card title="Major card networks" icon="credit-card">
    Visa, Mastercard, American Express, Discover, JCB, Diners Club. Full domestic and international coverage through Stripe.
  </Card>

  <Card title="Local currency" icon="globe">
    Charge subscribers in their local currency. Stripe handles conversion and settles in your home currency on your account.
  </Card>

  <Card title="Regional pricing" icon="map-pin">
    Set different price points per market — mirror app-store regional pricing or set web-specific tiers. No pricing-layer rebuild on your side.
  </Card>
</CardGroup>

## Recovery — involuntary-churn reduction

Failed payments are one of the largest sources of involuntary churn on subscription apps. Recurr's recovery layer reduces it without your team touching anything.

<CardGroup cols={3}>
  <Card title="Smart retries" icon="rotate">
    Stripe retries failed charges across optimized retry windows. No team intervention required.
  </Card>

  <Card title="Branded dunning" icon="envelope">
    Sequenced retry-emails branded to your app prompt the subscriber to update card details before the subscription lapses.
  </Card>

  <Card title="Update payment method" icon="link">
    Subscribers click through to your branded billing portal via magic-link — no login wall, no support ticket.
  </Card>
</CardGroup>

## What Recurr deducts at settlement

The **Recurr platform fee** (3.5% of subscription revenue, flat) is taken as an `application_fee` on each Stripe charge. It appears as a line item on every charge in your Stripe Dashboard.

The **migration performance fee** (2.5% per subscriber migrated, tied to the Migration Program) is deducted via the same `application_fee` mechanism — prorated across the 12 months of each migrated subscriber's first year on web. Per-subscriber churn voids the unpaid balance on that subscriber.

**Stripe processing fees** pass through at standard rates, charged by Stripe.

See [pricing model →](/working-with/pricing-model) for the full fee structure.

[Subscribers →](/product/subscribers)