PayPilot vs Stripe

Subscription & billing feature parity. PayPilot runs on FluidPay.

~75% coverage

Last updated 2026-06-03

BuiltPartialNot yetValue 1–5 (business upside)
Confirmedverified via docs/tested APIs or buildable in our layer ·Needs enablingAPI exists, needs an account/feature/key flip ·Open questionneeds research / an answer (see below)

Top opportunities to build next

High business value, not yet fully built — ranked.

FeatureValuePayPilot status
  • Split payments / multi-party distribution
    Tom's top ask + the EFS model. FluidPay Split Transaction is 2-way; N-party needs partner setup.
    Needs enabling
    No
  • Programmatic sandbox / sub-merchant boarding
    FluidPay partner API. Needs a partner key from NextNP (David).
    Needs enabling
    No
  • Connect-style payouts to providers
    Productized EFS: board providers, route each charge, pay out.
    Open question
    No
  • Smart retry timing (ML)
    Rules engine drives retries today; a trained recovery-score model runs in shadow mode and swaps in as real data accumulates.
    Partial
  • Pay in our own UI (card)
    Wired; needs FluidPay to enable API invoice payment for the merchant.
    Needs enabling
    Partial
  • ACH / bank debit
    Lower fees for B2B. Needs an ACH processor configured on the merchant.
    Needs enabling
    Partial

Open questions (need answers to unblock)

Tracked here as we get answers from NextNP / FluidPay.

  • Can a split go to more than two parties (N providers), or only 2-way?David / FluidPay
  • Enable the "Split Transaction" feature + a split-tagged processor on my sandbox?David
  • Issue a partner API key so we can programmatically board sub-merchants / sandboxes?David
  • Enable API invoice payment for my merchant (currently returns "not authorized")?David / FluidPay
  • Configure an ACH processor on the merchant for bank-debit invoices?David
  • Does FluidPay offer jurisdiction-based automatic tax, or is flat-rate the only option?FluidPay
  • Does FluidPay support SCA / 3DS, and can it be enabled?FluidPay
  • Schedule A per-transaction pricing (for the Stripe cost comparison)?Tom
  • FluidPay technical contact for the QuickBooks PaySync (client ID / redirect URI) issue?Tom / FluidPay

Subscriptions

FeatureValuePayPilotStripe
Create subscription
YesYes
Immediate charge at signup
YesYes
Free trials
YesYes
Proration on upgrade / downgrade
YesYes
Proration preview (upcoming invoice)
YesYes
Pause & resume
YesYes
Cancel immediately
YesYes
Cancel at period end + reactivate
YesYes
Quantity / per-seat
YesYes
Per-seat proration
YesYes
Coupons / discounts (%/amount; once/repeating/forever)
YesYes
Account credit balance
YesYes
Flat tax
YesYes
Automatic tax (jurisdiction engine)
Stripe Tax. We do flat-rate only.
Open question
NoYes
Hosted checkout link (Stripe Checkout)
YesYes
Customer portal
YesYes
Webhook-driven state sync
YesYes
Dunning / failed-payment retries
Decline-code-aware retries (payday timing for NSF), 3-email sequence, pause-not-cancel.
YesYes
Smart retry timing (ML)
Rules engine drives retries today; a trained recovery-score model runs in shadow mode and swaps in as real data accumulates.
PartialYes
Customer card-update recovery
Update card → instant retry + reactivation. Biggest recovery lever.
YesYes
Recovery dashboard + recovery score
Recovered revenue, recovery rate, per-case score. Stripe surfaces this only on higher tiers.
YesPartial
Reconciliation queue (stuck charges)
Operator queue to retry void/refund or resolve charges that moved but did not apply.
YesPartial
Multiple items per subscription
Confirmed
NoYes
Usage / metered billing
Confirmed
NoYes
Billing thresholds
Confirmed
NoYes

Invoices (accounts receivable)

FeatureValuePayPilotStripe
Create invoice with line items
Backed by FluidPay native invoices.
YesYes
Tax on invoices
YesYes
Hosted invoice page
Our clean UI + FluidPay-hosted page.
YesYes
Email / text the invoice
FluidPay send_via email/text; Stripe email only.
YesPartial
Visible in gateway dashboard
YesYes
Void invoice
YesYes
Resend invoice
YesYes
Pay in our own UI (card)
Wired; needs FluidPay to enable API invoice payment for the merchant.
Needs enabling
PartialYes
Partial payments
Allowed on the invoice; collected via the hosted page.
YesYes
ACH / bank debit
Lower fees for B2B. Needs an ACH processor configured on the merchant.
Needs enabling
PartialYes
Recurring invoices
Scheduled re-issue via daily cron (monthly/yearly).
YesYes
Invoice PDF
Open question
NoYes
Credit notes
Open question
NoYes

Payments core

FeatureValuePayPilotStripe
Card tokenization (PCI SAQ-A)
YesYes
Save card / vaulting
YesYes
Stored-credential (MIT) compliance
YesYes
Receipts
YesYes
Gift cards
PayPilot extra.
YesNo
Refunds & voids
Smart action: refund if settled, void if not. Operator Payments page.
YesYes
SCA / 3DS authentication
Open question
NoYes
Apple Pay / Google Pay
Open question
NoYes

Emails

FeatureValuePayPilotStripe
Subscription confirmation
YesYes
Payment receipt
YesYes
Payment failed (dunning)
YesYes
Upcoming renewal
YesYes
Trial ending
YesYes
Subscription canceled
YesYes
Plan changed
YesYes
Card expiring
Template ready; needs stored card-expiry data.
PartialYes

Platform / marketplace (highest strategic upside)

FeatureValuePayPilotStripe
Split payments / multi-party distribution
Tom's top ask + the EFS model. FluidPay Split Transaction is 2-way; N-party needs partner setup.
Needs enabling
NoYes
Programmatic sandbox / sub-merchant boarding
FluidPay partner API. Needs a partner key from NextNP (David).
Needs enabling
NoYes
Connect-style payouts to providers
Productized EFS: board providers, route each charge, pay out.
Open question
NoYes
Subscription import / migration
Wins legacy clients. CSV import, no double-charge.
YesYes
Payment links
YesYes
Storefront / products
Stripe via Checkout/Payment Links.
YesPartial
QuickBooks sync
Active deal driver. PayPilot has a direct connector.
YesPartial
Terminal (in-person POS)
Open question
NoYes
Radar (fraud)
Open question
NoYes
Issuing (card issuing)
Open question
NoYes

Living document — updated as features ship. PayPilot on FluidPay.