Multi-gateway recurring payments

Recurring payments through the gateway accounts you already own

Two Minute Billing charges subscriptions through your own payment gateway accounts, several of them in one business. Money goes straight to your account at your rates, with no share of your revenue to us. We decide when to charge, which card to use, and what to do when a charge fails.

Start for freeConnect a gateway
A $249.00 renewal charge succeeds and lands in the business's own gateway account; Fernhill Analytics routes INR to Razorpay, USD and EUR to Stripe, and USD to PayPal.A $249.00 renewal charge succeeds and lands in the business's own gateway account; Fernhill Analytics routes INR to Razorpay, USD and EUR to Stripe, and USD to PayPal.

Keep your gateway rates and your payouts

Billing that takes a percentage grows its fee every time you grow. Here the money moves between your customer, your gateway and your bank, and nowhere else.

0%
Of your revenue to us

Cloud plans are a flat monthly price. Your gateway charges its own fees, as it does today.

12
Gateways to select from

Several gateways side by side, each charging the currencies you route to it.

3 cards
Tried in one attempt

The default card, then up to two backup cards, before a failed charge has to wait for a retry.

Bring your own gateway

Recurring payments go straight to your own payment gateway account

You keep your gateway pricing, your payouts and your relationship with the card networks. We send the instructions; the money never passes through us.

Integrations
Two Minute Billing sends one API call to your gateway (Stripe, PayPal, Razorpay or 8 more). A $79.00 card payment goes from your customer through your gateway to your bank. Two Minute Billing never holds the money.Two Minute Billing sends one API call to your gateway (Stripe, PayPal, Razorpay or 8 more). A $79.00 card payment goes from your customer through your gateway to your bank. Two Minute Billing never holds the money.

Supported gateways

12 payment gateways, on your own accounts

The payment methods each gateway gives your customers, and the wallets they can use to pay an invoice now.

  • StripeStripe
    Payment methods
    • Cards
    • Direct Debit (ACH)
    • Direct Debit (SEPA)
    Wallets on pay now
    • Apple Pay
    • Google Pay
  • PayPalPayPal
    Payment methods
    • PayPal wallet
    Wallets on pay nowNone
  • RazorpayRazorpay
    Payment methods
    • Cards
    • UPI Autopay
    • Netbanking (eMandate)
    Wallets on pay nowNone
  • SquareSquare
    Payment methods
    • Cards
    • Afterpay (pay now)
    • ACH (pay now)
    Wallets on pay now
    • Google Pay
    • Cash App Pay
  • BraintreeBraintree
    Payment methods
    • Cards
    • PayPal
    • Venmo
    Wallets on pay nowNone
  • Checkout.comCheckout.com
    Payment methods
    • Cards
    Wallets on pay now
    • Google Pay
  • Adyen
    Payment methods
    • Cards
    Wallets on pay now
    • Apple Pay
    • Google Pay
  • MollieMollie
    Payment methods
    • Cards
    • Direct Debit (SEPA)
    • PayPal
    • Other methods that you activate in Mollie (pay now)
    Wallets on pay now
    • Apple Pay
    • Google Pay
  • Authorize.netAuthorize.net
    Payment methods
    • Cards
    • eCheck (ACH)
    Wallets on pay nowNone
  • GoCardlessGoCardless
    Payment methods
    • Direct Debit (Bacs)
    • Direct Debit (SEPA)
    • Direct Debit (ACH)
    • Direct Debit (BECS)
    • Direct Debit (BECS NZ)
    • Pre-authorized debit (PAD)
    • Direct Debit (Autogiro)
    • Direct Debit (Betalingsservice)
    • PayTo
    Wallets on pay nowNone
  • CashfreeCashfree
    Payment methods
    • Cards
    • UPI Autopay
    • eNACH
    Wallets on pay nowNone
  • PayUPayU
    Payment methods
    • Cards
    • UPI Autopay
    Wallets on pay nowNone

Payment routing

Route each payment to a gateway account by currency and payment method

Run Razorpay for rupees and Stripe for everything else. The account is selected from the currency and the payment method, so customers never need to know.

  • Routed by currency and methodEach account lists the currencies and payment methods it handles. There is no silent fallback.
  • Live keys for live businessesA test business takes test credentials and a live one live credentials. A mismatch is refused up front.
  • Keys kept encryptedGateway credentials are encrypted at rest and never returned through the API.
  • Cards, wallets and mandatesSaved cards, PayPal billing agreements, bank debit mandates, and e-mandates for recurring INR.
Connect a gatewayE-mandates for recurring INR
The payment gateways list: each connected account with its mode, its currencies and its status

Fewer failed charges

Fewer recurring payments fail in the first place

The cheapest failed payment is the one that never happens.

  • Backup cards in the same attemptIf the default card declines, the customer's backup cards are tried in turn, up to three cards in all.
  • Authentication on the pageWhen the bank asks for 3-D Secure, the customer completes it on the checkout or portal page.
  • Charge when a card is addedA customer who saves a working card pays what is owed at once, instead of at the next retry.
Recovery
An invoice in the dashboard, with its lines, tax, totals, addresses and the payments made against it

Reconciliation

Refunds, disputes and reversals, recorded from your gateway

Gateways confirm and reverse payments after the fact. Two Minute Billing listens, so you do not reconcile by hand.

  • Late settlementsA payment the gateway confirms hours later is marked paid when the confirmation arrives.
  • ReversalsA payment that reverses reopens its invoice and puts it back in the retry queue.
  • RefundsRefund to the original payment method from a credit note, with the reason recorded.
  • DisputesEach chargeback shows the payment, the amount, the bank's reason and its stage.
  • Gateway logsEvery call to your gateway and what came back, failures included.
  • A test gatewayEvery test business has one, with cards that decline, time out or reverse on demand.
Handle disputesRefunds and credit notes

Money you can trace, cards you never hold

How we keep billing safe

  • An append-only ledger

    Balances come from double-entry records. A correction is a new entry, so every figure traces back to the rows behind it.

  • PCI DSS SAQ-A scope

    Card numbers go from the browser straight to your payment gateway. They never reach our servers or yours.

  • An audit log

    Who changed what, from the dashboard or the API, with the values before and after.

Recurring payments questions

No. Payments go straight from your customer to your own gateway account and pay out to your bank on your gateway's schedule.

More of the product

Subscriptions
Plans, add-ons, trials, upgrades and proration, in every currency.
Invoicing
Invoices and credit notes on schedule, with tax and branded PDFs.
Recovery
Smart retries, a backup card and emails that win payments back.
Integrations
12 payment gateways, HubSpot, FirstPromoter and webhooks to your own tools.
Tax
VAT, GST and US sales tax on every invoice, with inclusive prices.
Checkout and portal
Hosted checkout, buy links, a pricing page and a self-serve portal.
Reporting
MRR, churn and cohorts. Click a figure to see the records behind it.
Billy
Ask about your billing. Every figure is checked, and changes wait for your click.

Connect a gateway in test mode

Sign up free, collect an invoice with a test card, and read the exact call to the gateway in Logs.

Start for free See pricing