Recur
Programmable card issuing for subscription control.
Recur gives users a single virtual card with granular control over every recurring charge. Set per-merchant rules, receive renewal alerts, and stop unwanted payments instantly.
Subscriptions are out of control
The average consumer has 12+ active subscriptions. Canceling is deliberately difficult. Free trials convert silently. Prices increase without notice. Users have no unified control over what charges their card.
One card, complete control
Recur provides a virtual card that users control at the merchant level. Block any subscription instantly. Set spending limits. Require approval for charges. Get notified before renewals. The payment layer becomes the control layer.
User Control Features
Per-Merchant Controls
Users set rules for each merchant: approve, block, require manual approval, or set spending limits per charge and per month.
Real-Time Authorization
Every transaction is evaluated against user-defined rules in real-time using Stripe Issuing's synchronous webhook infrastructure.
Subscription Detection
Automatic detection of recurring charges with renewal predictions, price change alerts, and transaction history per merchant.
Instant Card Control
Freeze, unfreeze, or replace cards instantly. Global spending limits and category-based controls available.
Built for Compliance
Recur is built on Stripe Issuing infrastructure, inheriting bank-grade security and regulatory compliance. We handle authorization logic; Stripe handles card operations.
PCI DSS Compliance
Card data handled entirely through Stripe's PCI-compliant infrastructure. We never store full card numbers.
Bank-Grade Authentication
Multi-factor authentication for sensitive operations. Step-up verification required for card number reveal.
Real-Time Fraud Prevention
Every authorization evaluated against user rules and balance checks before approval.
Audit Trail
Complete logging of all authorization decisions, rule changes, and user actions for compliance.
How It Works
Authorization Flow
- →Stripe sends authorization request via synchronous webhook
- →Decision engine evaluates user rules in <500ms
- →Response returned to Stripe with approve/decline decision
- →Transaction logged with full audit trail
User Controls
- →Block any merchant from future charges
- →Set per-transaction and monthly spending limits
- →Require explicit approval for specific merchants
- →Receive notifications before renewal dates
Funding Model
- →Users link bank accounts via Stripe Financial Connections
- →ACH transfers to fund card balance
- →Real-time balance checks during authorization
- →Insufficient funds automatically declined
Powered by Stripe Issuing
Recur is built entirely on Stripe's card issuing infrastructure. This means:
- →Cards are issued and managed through Stripe's PCI-compliant systems
- →Bank account linking via Stripe Financial Connections
- →Real-time authorization via Stripe's synchronous webhook system
- →Funds held in Stripe-managed accounts
- →Dispute handling through Stripe's established processes
Who Recur Helps
Consumers
Take control of subscription spending. Block unwanted charges. Get visibility into recurring payments across all services.
Freelancers
Manage tool subscriptions with spending limits. Separate business expenses with dedicated virtual cards.
Small Teams
Control SaaS spending across team members. Set approval workflows for new subscriptions.
In Development
Recur is currently in active development. We're building the core authorization engine and user control interfaces. Interested in early access or partnership?
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