Almost every week a brand asks us the same question. Recharge or Loop? And most of them have no idea how to choose, because the moment you start researching you hit a wall of contradictions. Recharge will tell you Loop can’t handle scale and is only for small brands. Loop will tell you Recharge is smoke and mirrors and the AI isn’t real. Every feature comparison you read says the other one is worse, depending on who published it.
So we did something about it. We got both vendors on a call, told them we were recording, and asked each of them why they’re better than the other. What follows is what they said, what they got wrong, and what we think after running client programmes on both.
We work with five of the seven platforms below and we’re paid the same whichever one you land on, so we’ve no reason to push you anywhere. Klaviyo Elite Master, 2025-2026. Pricing and ratings came off the vendors’ own sites and the Shopify App Store on 24 September 2026; everything about how these platforms behave in practice comes from running them.
See what your Klaviyo account is leaving on the table.
Request a free Klaviyo auditOne piece of news first, because most comparisons haven’t caught up. Recharge bought Skio for $105 million in cash, announced on 30 April 2026, the largest private acquisition subscription commerce has seen. Two of the names on every shortlist are now one company, running 20,000 merchants and more than $20 billion of GMV between them. Both apps still operate and Recharge said nothing changed for merchants on either platform that day, but “shortlist Recharge and Skio and pick the better one” isn’t the exercise it was eighteen months ago.
Key Takeaways
- Stop asking which one reduces churn. They all do. Ask which one matches how your team actually works, because that’s the thing that decides whether the features get used.
- Recharge is the deeper product. More analytics, industry benchmarks, its own infrastructure, credit-based rewards, referrals, and notification flows you can rebuild inside the platform. Depth needs somebody to use it.
- Loop is built for acquisition-led teams. Levers you pull yourself, order-level analytics that show skips and delays as well as cancels, and time-bound streaks that pull the next order forward. It’s a payback tool wearing a retention badge.
- Both vendors told us things about each other that aren’t true. Loop isn’t a small-brand platform and Recharge’s payment recovery isn’t smoke and mirrors. Details below.
- The biggest churn driver on the market has no fix on any platform. “I have too much product” is a billing-interval problem, not an education problem, and nobody has built the answer yet.
How We Picked These
We run retention programmes for subscription brands, so this is written for a brand where repeat purchase is the constraint. Five criteria, checkable on the vendors’ own sites or the Shopify App Store, all checked on 24 September 2026, plus our own experience on the accounts we run.
- Who the product is built for. Read the feature set and you can see which team the designers had in mind. This matters more than any single feature.
- What it does at the cancellation point, and whether you can test it.
- Failed payment recovery. Involuntary churn is usually the biggest bucket and the easiest to fix.
- What it actually costs, monthly fee and transaction fee together, because the second one scales with you.
- Shopify App Store rating and review count, as a rough read on whether merchants are happy.
Nobody paid for placement and neither vendor saw this before it published.
| Platform | Monthly | Transaction fee | Free tier | App Store |
|---|---|---|---|---|
| Recharge | $99/mo | 1.49% + 19¢ | 60-day trial | 4.8 from 3,123 |
| Loop | $99/mo | 1.0%, no per-order fee | Free to 50 subs | 5.0 from 766 |
| Skio | Now a Recharge company | See Recharge | - | 4.7 from 190 |
| Stay AI | $499/mo | 1% + $0.19 | - | - |
| Smartrr | From $99/mo | Not published | - | 5.0 from 241 |
| Shopify Subscriptions | Free | None | Free | 3.7 from 819 |
| Appstle / Seal | Free plan available | Not published | Free plan | 5.0 / 4.9 |
We Asked Each Vendor Why They Beat the Other
We expected two sales pitches. What we got was each of them spending most of the call explaining what’s wrong with the other one, which was fine, except that both of them said things we know from running both platforms are simply not true.
Recharge’s claim: Loop is where you start, Recharge is where you scale. Not true. We have brands doing hundreds of millions in subscription revenue running on Loop right now, and Loop as a platform processes somewhere in the region of $4.5 billion in transactions a month. Set it against the platforms that really are entry-level and the gap is obvious in the other direction. It’s a sales line, and a lazy one. Strike it off your list.
Loop’s claim: Recharge’s failed payment recovery is smoke and mirrors. The way it was put to us is that all it does is test what time of day to retry a card, four o’clock against six o’clock, with nothing else behind it. Large companies do overhype their AI features and that scepticism is healthy, but this one doesn’t hold. Recharge’s payment recovery uses machine learning across multiple variables and their engineering team has published documentation on how it works.
Loop’s second claim: Recharge won’t let you control your payment recovery. That one was true, and it was already out of date when they said it. Recharge shipped the controls about a week after that conversation.
Which leaves you, the merchant, being briefed by two companies who each have stale information about the other. The only useful opinion here comes from somebody who runs brands on both and has no platform to sell you.
Where Each One Actually Wins
Recharge wins on architecture, and this is the boring bit that matters. Loop leans on Shopify to do a lot of the work: creating discounts, pulling product information, handling order data. Recharge built its own infrastructure to do all of that independently. It can create its own discounts and its own orders without needing Shopify in the loop. The upside is resilience if something breaks upstream, more flexibility in what they can ship, and a faster customer portal. You can’t close that gap by launching a feature, because it’s architectural.
Loop wins on time-bound streaks. Both platforms do reward streaks, and on the surface they look identical: place three orders, earn a reward. The difference is that Recharge counts orders regardless of how long they took, so three orders over a year is the same as three over three months. Loop can require those orders inside a window you set.
Small difference on paper, large one in practice, because of why people cancel in supplements, beauty and CPG. The customer doesn’t consume the product consistently, so they never get the result, so they leave. Getting somebody ordering on a rhythm means getting them consuming on a rhythm, which is the only way they experience what they bought. And a customer who sees results doesn’t cancel. The side effect is that you recover your acquisition cost sooner.
Two smaller ones. Loop has mystery rewards, a surprise that appears the moment a customer opens the portal, aimed at the order numbers where churn peaks. Recharge publishes industry benchmarks, so you can see how your numbers compare with businesses like yours and work out what to fix first. Neither has the other’s.
Who Each Platform Was Designed For
Look at the two feature sets side by side and a pattern shows up. Loop keeps handing you levers you can pull this week. Recharge keeps handing you visibility, depth and benchmarks.
Loop is built for people who run ads. For the operator who wakes up thinking about acquisition cost and how fast they get it back. Everything points at that question: the control over how you recover failed payments, the order-level analytics that show you not just when people cancel but when they skip and when they delay, so you can see exactly when revenue gets pushed into the future. Even the streaks are a payback tool if you look at them properly.
Recharge is built for brands with somebody whose job is retention. It wants to give you the whole picture of what’s happening under the hood, then automate against it. In a vacuum it’s the deeper product, and we’ll come to how much deeper in a moment.
The catch is that depth only converts into money if somebody uses it. Most brands don’t have a dedicated retention person. They have a growth team wearing five hats, the same people running the ads and watching the dashboards, whose job is keeping the acquisition engine alive. Hand that team everything Recharge offers and a lot of it sits there. Horsepower with nobody in the driver’s seat.
Loop doesn’t ask that team to become retention analysts. It meets them where they are and gets them to value faster, in a language they already speak.
None of which is absolute. Plenty of brands run Loop with a dedicated retention lead, and plenty run Recharge with a lean growth team. It’s about where the builders’ heads were, and it’s the most useful lens we’ve found for choosing.
| Platform | Built around | Suits | Standout |
|---|---|---|---|
| Recharge | Depth and automation | Brands with a retention owner | Credit rewards, referrals, benchmarks |
| Loop | Levers and payback | Acquisition-led growth teams | Time-bound streaks, order-level analytics |
| Skio | Now a Recharge decision | Brands already on it | See Recharge |
| Stay AI | Churn tooling first | Volume plus a churn problem | Cancellation and recovery flows |
| Smartrr | The subscriber experience | Customers who self-manage | Portal and loyalty |
| Shopify Subscriptions | Validating the offer | Stores testing demand | Free and first-party |
| Appstle / Seal | Capability on a budget | Small stores past the free app | Free plans, huge review bases |
What Recharge Has That the Others Don’t
Having recorded those calls and then gone through the documentation properly, we’d put it plainly: Recharge has richer functionality than anything else on this list. Three parts of it are worth understanding before you choose.
Rewards, and specifically credit. Recharge lets you mix account credits, free gifts and discounts into one programme. Credit is the interesting one, and it’s underrated. A percentage discount costs you margin the moment it’s applied. Credit has to be redeemed before it costs you anything, so breakage works in your favour, and it can expire, which pulls the next order forward instead of letting it drift. It’s a stronger incentive than a discount and a cheaper one. Recharge also surfaces unused and upcoming rewards inside cancellation surveys, win-back campaigns and the portal, which is exactly where you want an incentive to appear.
Referrals, built on the same canvas. Advocates get a link to share, the advocate receives credit for future orders, and the new customer gets a discount on their first one. Having that in the subscription platform rather than in a separate loyalty app means the reward and the subscription live on the same customer record.
Notification flows you can rebuild in the platform. The upcoming order email is a customisable flow, defaulting to three days before the charge, and you get access to the HTML and Jinja template. Sender, subject, body, variables for the customer name, the order date and the items. Customers can act on it without logging into the portal.
That last one deserves a note from us specifically, because we’re a Klaviyo agency and it cuts against our own habits. A lot of what teams painstakingly rebuild in Klaviyo, the billing reminder above all, can be built properly inside Recharge on the data that lives there. If your subscription notifications are currently a half-finished Klaviyo flow fed by a patchy integration, that’s worth knowing before you spend another quarter on it.
Campaign ROI across BFCMSOURCEWhy “I Have Too Much Product” Is a Billing Bug
Across around a hundred subscription brands, the most common cancellation reason is nearly always the same five words. I have too much product.
Every founder and retention consultant calls this an education gap. Customers don’t understand how to use the product, so they don’t build the habit, so it piles up and they leave. We think that’s mostly wrong. Your customers do not need a tutorial on chewing a gummy or stirring a powder into water. They are not confused.
Here’s what’s actually happening, and it’s structural.
You subscribe to a thirty-day supply. Day one you order and you’re charged. The product doesn’t arrive on day one, because there’s shipping, and maybe a stock delay, so it lands on day ten. Best case, you start using it on day ten. But the billing clock started on day one. So on day twenty-seven, three days before the next charge, you get a message telling you you’re about to be billed again, and you look at a cupboard with twenty days of product in it. Of course you cancel. Why pay for more when you clearly have plenty?
When we put this to Recharge, they pushed back: if shipping always takes ten days then every delivery is ten days late, so it normalises. On delivery cadence that’s correct. But it isn’t what triggers the cancellation. What triggers it is the reminder arriving early relative to consumption, and that gap never closes.
We’ve run this on every platform, Recharge and Loop included, and none of them handles it. The fix wouldn’t be complicated. Ask at plan setup how long shipping takes and whether the product is consumed on a fixed or a flexible schedule, then recommend the interval accordingly. A thirty-day supply might want a thirty-five day billing cycle.
An open offer to every platform on this page: build that, and we’ll recommend you over everyone else. It would fix more churn than most of the features currently being marketed at us.
How to Choose Without Guessing
Answer the team question before the feature question. Is there somebody whose job is retention, or is it a growth team wearing five hats? That single answer narrows this list faster than any comparison table.
Work out your transaction fee in pounds, not percent. Take your annual subscription revenue and your order count and run it through each platform’s rate. The gap between 1.0% and 1.49% plus 19 cents is invisible on a pricing page and very visible on an invoice.
Check your failed payment rate before you blame your offer. If a tenth of your churn is expired cards, dunning beats any cancellation flow and it’s an easier fix.
Ask to see the cancel flow in a demo. Not the dashboard, not the portal. What a subscriber sees when they click cancel, and what you can change without a developer.
Then check your billing interval against your actual consumption. Most brands have never done this, and it’s free.
You Don’t Have to Work It Out Alone
The platform is one brick. If recurring revenue is what you’re trying to grow, these are the pieces around it.
- The LTV Parthenon - our full retention methodology, and where the subscription platform fits inside it.
- How to reduce churn for subscription brands - the work that comes before any tool.
- Subscription marketing - how we run recurring-revenue programmes.
- Subscription ecommerce statistics - benchmarks, so you know whether your churn is actually bad.
- The best agencies for subscription brands - if you’d rather shop around, including the ones we compete with.
So Which One Should You Pick?
If subscriptions are the core of your business, you’ve got multiple products and bundles, and there’s somebody, in-house or an agency, who will actually use the depth, pick Recharge. It’s the richer product, the architecture is better, and the rewards and notification tooling do things the others don’t.
If you’re an acquisition-led brand who lives in the ad account, thinks in payback windows and wants levers you can pull this week, pick Loop. It’s built around how you already work, and anyone telling you it’s a platform for small brands is reading a sales deck rather than the numbers.
Beyond those two: Stay AI if churn tooling is the main event and $499 a month is comfortable. Smartrr if the subscriber portal experience matters most. Shopify Subscriptions if you’re still testing whether anyone wants a subscription at all, because it’s free and it’ll tell you. Appstle or Seal if you want more than free without a platform fee. And Skio is now a Recharge decision.
If churn is still climbing on a platform you already like, the platform probably isn’t the problem. Our free Klaviyo audit looks at the flows around the subscription, which is usually where the leak is, and we’ll say so plainly if the answer is that your offer needs fixing first.
Frequently Asked Questions
Recharge or Loop, which is better?
Wrong question, and it’s why the comparisons you’ve read contradict each other. Recharge is the deeper product: better architecture, industry benchmarks, credit-based rewards, referrals and notification flows you can rebuild in the platform. Loop is built for acquisition-led teams who want levers they can pull without becoming retention analysts. Pick Recharge if somebody owns retention. Pick Loop if a growth team owns everything.
Is Loop only for small brands?
No, and we hear this because Recharge says it. We run brands doing hundreds of millions in subscription revenue on Loop, and the platform processes roughly $4.5 billion in transactions a month. Compare it with the genuinely entry-level subscription apps and the difference is obvious. It’s a sales line, not a fact about the product.
Did Recharge buy Skio?
Yes. Recharge acquired Skio for $105 million in cash, announced on 30 April 2026, the largest private acquisition in subscription commerce. Skio was a Y Combinator company reportedly at around $32 million of ARR. Together they run more than 20,000 merchants and over $20 billion in annual GMV. Both platforms continue to operate with a combined roadmap coming, so treat them as one vendor decision.
How much do Shopify subscription apps cost?
Two numbers, and the second matters more. Monthly fees start at $99 for Loop, Recharge and Smartrr, and $499 for Stay AI. Transaction fees are 1.0% for Loop with no per-order fee, 1.49% plus 19 cents for Recharge, and 1% plus $0.19 for Stay AI. On $500,000 of subscription revenue the gap between the cheapest and most expensive runs to several thousand dollars a year, well past the difference in platform fees.
Is the free Shopify subscriptions app good enough?
For testing an offer, yes. For running subscriptions as a revenue line, generally not, because the retention layer is thin: no meaningful cancellation flow, limited dunning, a basic portal. It also carries a 3.7 rating from 819 reviews on the Shopify App Store, the lowest here. Start on it while you validate, and budget for moving once recurring revenue is material.
Why do subscribers say they have too much product?
Because the billing clock starts when they order and the consumption clock starts when the parcel arrives, and those can be ten days apart. A thirty-day supply that lands on day ten gets its next billing reminder on day twenty-seven, when the customer still has twenty days of product in the cupboard. It gets blamed on customer education, but it’s a billing interval problem, and no platform currently asks about shipping time when you set up a plan.
What is the difference between voluntary and involuntary churn?
Involuntary churn is failed payments: expired cards, insufficient funds, hard declines. Nobody chose to leave, and it’s fixed with dunning, retries and backup payment methods. Voluntary churn is somebody deciding to cancel, and nearly all of it happens on the cancellation screen. They need different fixes, and most brands work on the second while the first quietly costs them more.
Do these apps integrate with Klaviyo?
All the serious ones do, and that integration is how you trigger emails on subscription events like an upcoming charge, a skipped delivery or a cancellation. Worth knowing that Recharge now lets you build the upcoming order notification inside the platform with full template access, which covers a lot of what teams currently rebuild in Klaviyo on a patchier data feed.
We run this as a service. Here is what our retention marketing engagement covers.