Paylio vs Stripe Billing

What if Stripe Billing had built-in entitlements and a simpler SDK?

Feature
Paylio
Stripe Billing
Free tier
Up to 100 subs
No free tier
Built-in entitlements
Yes
No
Visual plan builder
Yes
No
Get subscription by user ID
SDK method
Custom implementation
Multi-gateway support
Stripe + Razorpay
Stripe only
Pricing transparency
$19/mo flat
0.5-0.8% + Stripe fees
Payment processing
Via Stripe/Razorpay
Native
Ecosystem integration
Growing
Extensive

Compare the Code

Paylio

// Get user subscription
const sub = await paylio
  .getSubscription(userId);

// Check entitlements
if (sub.features.canExport) {
  // allow export
}

Stripe Billing

// Get customer first
const customer = await stripe
  .customers.list({
    email: user.email
  });

// Then get subscriptions
const subs = await stripe
  .subscriptions.list({
    customer: customer.data[0].id
  });

// No built-in entitlements
// Implement your own logic

When to Choose Paylio

Choose Paylio if:

  • You want built-in entitlements without implementing your own
  • You prefer getSubscription(userId) over complex API calls
  • You want a free tier to start
  • You need multi-gateway support (India, etc.)

Choose Stripe Billing if:

  • You're already heavily invested in the Stripe ecosystem
  • You need native Stripe features

Simpler Than Stripe Billing

Start with 100 free subscribers. Uses Stripe under the hood.

Get Started Free