Recurly vs SaaS Kit

From some reading and input 开发者_C百科from a couple of seasoned developers, it appears that I'm down to a choice between Recurly and RailsKits.com SaaS Kit. I'm hopeful to get some broader experiences from folks in the community here as to the pros and cons perhaps you've experienced.

I'd really like to be sure that I put together an apples-to-apples comparison here.

First, I'm offering a service that has two subscription levels of about $1 and $5 / month recurring. These may be paid in either monthly, yearly or every three years (get some discounts at the longer subscription levels). I obviously need to keep transactional costs as low as possible, but I need to maintain this and be sure that recurring billing is reliable and not problematic.

I'll be building this atop Rails 3.

The bag seems mixed as you get a more robust admin feature set it seems with Recurly, yet I may be able to save enough with a SaaS Kit + (for example) https://merchant-apply.com/tesly to make it worth it.

I have reviewed Chargify vs Recurly and Recurly seems to be the winner for my particular model and so that's why I've kinda eliminated many other options at this point.

If you've faced this before, what has worked for you or do you have some practical input in this regard?

I work at Recurly, so I'll try to not make this a sales pitch :)

As I noted in the comments above, PCI compliance can be tricky, time-consuming, and expensive, so please check each product and see what is required for your business. You can see documentation on Recurly's PCI compliance requirements at http://docs.recurly.com/security/pci-compliance/. SaaS Kit reduces some elements of PCI compliance by storing the payment information with the gateway, but this means you cannot easily switch payment gateways - most gateways will not allow you to take your data with you. If you choose to use Authorize.net's CIM service with SaaS Kit, this will be an additional $20/month gateway fee for the credit card storage.

I also recommend you take a look at the API docs of each product. Depending on your integration complexity with Recurly, some merchants never need to work with the API (instead using hosted checkout pages and the admin virtual console inside Recurly), but other merchants will have a more complex billing scenario that involves use of the API. The docs for each product should give you a good idea of how easy they will be to work with.

I'd be happy to answer any questions you have as you continue to look!